The Homeowner’s Guide: 11 Questions to Ask a Contractor
Hiring a contractor isn’t something to take lightly. Whether you’re planning a kitchen remodel, finishing a basement, or upgrading your exterior, the right hiring choice matters. The contractor determines if the project is a smooth one or if it is stressful. Over the years, we’ve been asked just about everything. Here are the questions we hear most often and the ones that really help set a project up for success.
The Top Questions Homeowners Should Ask
1. Are you licensed with the state?
A licensed contractor meets state requirements to perform work legally. For instance, in Pennsylvania, contractors must hold a Home Improvement Contractor license (HICPA). Always ask for the contractor’s license number and verify it online. A license demonstrates professionalism and compliance with state laws; trustworthy contractors will provide credentials and references.
2. Will you provide a certificate of insurance?
Never assume a contractor has insurance. Ask for a current certificate showing both general liability insurance and workers’ compensation coverage. These policies protect you from liability if property damage or injuries occur. Choose a licensed and insured contractor to protect your home, your finances, and your family’s safety.
3. Will my project require a permit?
Most remodeling and renovation projects require building permits, especially for structural changes, plumbing, or electrical work. A reputable contractor should know which permits you need and manage the paperwork. If a contractor suggests skipping permits, consider it a red flag and walk away.
4. Who will be my main point of contact once work starts?
From our experience, clear communication is what keeps a project running smoothly. That’s why it’s important to know upfront who you’ll be talking to once work begins whether it’s the company owner, project manager, or site supervisor. At Calfayan, we make sure you always have a dedicated point of contact so questions get answered quickly and nothing falls through the cracks.
5. What is your company’s building process from the first visit forward?
Ask the contractor to explain their full process from consultation and estimate to contract, construction, and final walkthrough. Clearly defined steps provide accountability and give you confidence that the work will move forward smoothly.
6. Will your crew work continuously, or will there be stops or pauses?
Some general contractors juggle multiple jobs and leave projects half-finished. Ask for a detailed schedule in writing. Confirm whether their crew will work consistently until your project ends.
7. What if I want to make a change during the project?
Changes happen on most jobs but how the contractor handles them matters. Ask about the “change order process” before signing. Good contractors document changes to the project and give printed cost updates. They also ask for the client’s approval before starting a home renovation project.
8. What work do you subcontract, and who performs it?
Many contractors subcontract specialty tasks like plumbing or electrical work. That’s not a problem as long as those subcontractors are licensed and insured. Ask who will actually perform work inside your home. Reliable contractors provide transparency and confirm subcontractors meet the same professional standards they follow.
9. Are your workers actual employees, and do they have coverage?
Companies with employees must provide workers’ compensation. Subcontractors must carry their own insurance policies. Confirm coverage in writing before work begins so you are not liable for accidents on the job site.
10. What is and isn’t included in the contract cost?
Review the estimate carefully, line by line. Ask what the estimate includes typically, labor, building materials, cleanup, and disposal. Just as important, ask the contractor what the estimate doesn’t include. Clear details prevent “surprises” and hidden costs.
11. What’s your payment schedule?
Most contractors require a deposit, progress payments, and a final payment after completion. Avoid anyone who requests full payment up front. A clear, structured payment schedule protects both sides and ensures accountability at every stage.
Ask the Right Questions, Get the Right Results
These questions go beyond a checklist. They’re a way to gauge professionalism, organization, and trustworthiness. Choosing the right contractor can bring clarity and peace of mind.
Before you sign your next contract, bring this list with you. It could save you time, money, and stress.
Why Choose Calfayan?
The questions we’ve shared aren’t just suggestions, they’re the very standards we hold ourselves to on every project. At Calfayan Construction Associates, we believe homeowners deserve clear communication, proven expertise, and a contractor they can trust from start to finish.
For decades, we’ve been remodeling kitchens and bathrooms, building additions, creating custom spaces, and handling full interior and exterior renovations across Northeast Philadelphia. We also specialize in passive homes and commercial construction. Our award-winning work and repeat clients show that when you ask the right questions, Calfayan is the answer.
Ready to Start Planning Your Project?
Contact Calfayan today to learn more about our home improvement projects and services. We guide homeowners like you through the process, from the first visit to the final walkthrough.
FAQs
How do I compare multiple contractor estimates?
Compare estimates line by line, paying special attention to labor costs, type of materials, and timelines. Avoid contractors with vague or unclear pricing.
What should I look for in past project photos?
Check for quality, style, and consistency. Look for work similar to your project type to gauge the prospective contractor’s expertise. Calfayan has an ever-growing online portfolio. You can view many projects, from modest kitchen renovations to impressive additions.
How important are online reviews when hiring a contractor?
Reviews provide insight into professionalism, reliability, and communication. Balance online feedback with references you can call directly.
Should I ask about warranties or guarantees?
Yes. Ask if the contractor offers warranties on workmanship or materials. A warranty provides peace of mind after completion.
How can I know if a contractor is a good fit for my project?
Look for clear communication, relevant experience, and a style that matches your goals. Trust and comfort during conversations also matter.