Not comparison shopping by getting multiple bids (3 bids are recommended).
Contractor is unlicensed or does not provide liability insurance certificate demonstrating adequate coverage.

Not checking references, including BBB and online resources.

Contractor has inadequate experience with your type of project.
Contractor has inadequate crew and equipment, and uses too many subcontractors outside primary contractor’s control.
Contractor is unavailable when you want project done.
Contractor requires excessive initial deposit.
Contractor is ineffective verbal communicator.
Contract terms are inadequate: Not itemized, does not specify materials to be used, overly biased toward contractor, does not explain how change orders will be handled, does not indemnify you if work does not pass building inspection, does not specify deadline for completion of work, etc.
Making final payment before work is fully complete and you are satisfied.

Federal Employees Thrift Savings Plan


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P.O. Box 990
Morrison, CO 80465