Storm & Security

FORECAST 2016 / STORM & SECURITY PROTECTION 9 When it comes to construction, homeowners often are asked to make important decisions without having the knowledge to do so. As a result, price instead of profes- sionalism is sometimes the top consideration. This is a lose/ lose for qualified contractors as well as the homeowners who are shortchanged. To complain that homeowners should know better doesn't serve anyone. To improve your odds of winning a bid, consider helping homeowners understand the importance of credentials. Let potential customers know that although they are wise to obtain several quotes, they also must verify that each contractor meets the state's (and/or local jurisdiction's) requirements for contracting. By using the Internet to access government Web sites, homeowners can determine what is required of contractors and if the contractor meets these requirements. Because forged documents exist, every homeowner should know that government databases are the most accurate means to verify a contractor's professional license and workers' compensation insurance. If a contractor has been disciplined by the licensing board, this information also may be viewable on its government Web site. Don't Hide Your Credentials Contractors who inform prospects establish themselves as experts and help homeowners steer clear of expensive mistakes. Real pros don't try to hide the finer points of their credentials. Instead, they help educate homeowners by explaining the legalities of their profession. Here is information I give to homeowners when submitting a bid: • Many construction trades people require licensing because their profession can cause harm when performed improperly. For example, if a window or door is installed improperly, it can dislodge during a hurricane. Professional licensing ensures that the contractor has met govern- ment standards for experience and trade knowledge. • A professional license should not be confused with a business license. A professional license pertains to the individual and a business license pertains to the contractor's business entity. • It is against the law for an unlicensed tradesperson to do business under another person's license. To ensure that the contractor is properly licensed and insured, all contracting documents must contain the same contractor (company) name. These contracting documents include licenses, certificates of insurance, contracts and checks. • Because lawsuits are broad reaching, insurance is your safety net. Government licensing Web sites spell out the types of insurance a contractor must have. Workers' Comp insurance can be verified on the state's Web site. General Liability insurance must be verified by the contractor's insurer who can mail you a certificate of insurance. • Make sure that the contractor pulls a permit for the work as required by the building department. When a contractor asks the homeowner to pull the permit, it may signify that the contractor does not meet the government's requirements for contracting. Additionally, when the owner pulls the permit, he or she may assume additional responsibility and liability for the project. • A homeowner may have no legal recourse if he or she does not follow the law. Establish Yourself When it comes to contractor credentials, most people are in the dark. By shedding light on this topic, you establish yourself as an expert with a conscience—an asset that will help you win more bids. | by Kia Ricchi BUSINESS Savvy Kia Ricchi is a Florida licensed contractor and founder of iCheckContractors.com. She contributes to NPR, Fine Homebuilding, and Remodeling magazine. She also creates customized marketing brochures for contractors. } Qualifications Count! Don't Sell Yourself Short Contractor credentials establish you as an expert and help you win bids.

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