Is this company licensed and insured? Besides the standard mercantile business license, many municipalities also require a separate home improvement contractor license. Check this out carefully and be sure that licenses are current, in compliance with local laws, and with no complaints or delinquencies filed. Many states now also require that companies be registered and licensed with the state authority in order to be legally permitted to perform work within that stat. The federal government now also requires all flooring and home improvement contractors to be licensed and certified with the “Toxic substances control act”, so they can be legally qualified to handle certain harmful substances, such as asbestos, that may be lingering in your home.
Is the company, and any worker or subcontractor, fully insured? Did you know that if a worker is injured in your home and they are not covered by adequate workers’ compensation or liability insurance YOU can be sued to cover medical expenses, lost wages, and disability? PROTECT YOURSELF! Ask for a certificate of insurance! It should ONLY be issued by the insurance company DIRECTLY to you and should include proof of coverage including limits for property damage, accidents, worker compensation for an injury, automobile, umbrella, or more. You can require to be specifically listed as an additional insured on this policy AT NO COST. This requires the insurance company to notify you if there is a lapse of cancellation of coverage.