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📋 Before You Start Any Home Project
5 things that protect your money every time.
☐ Get 3 contractor quotes before committingLearn ▾
Prices for the same job vary 30–50% between contractors. Never accept a verbal estimate — get everything in writing. The lowest bid is often NOT the best deal. A contractor who bids 30% below everyone else is likely cutting corners or planning change orders.
☐ Verify contractor license & insuranceLearn ▾
In Maryland, verify at mhic.maryland.gov. Ask for their license number and proof of general liability insurance. No license = no legal protection if something goes wrong. Don't skip this even if a friend refers them.
☐ Add 20% buffer to every estimateLearn ▾
Most renovations hit unexpected costs — hidden water damage, outdated wiring, supply delays. If contractor says $10K, budget $12K. This single rule prevents more renovation disasters than anything else.
☐ Never pay more than 30% upfrontLearn ▾
Legitimate contractors don't need full payment before starting. Structure payments in milestones: 30% start, 30% midpoint, 30% near completion, 10% final walkthrough approval. "Cash only" is a red flag.
☐ Estimate your full cost before calling anyoneLearn ▾
Know your number before you talk to a contractor. Use HomeFixCost to estimate by ZIP code so you know if their quote is fair — or if they're trying to overcharge you.