Verificación de licencia y seguro
Punto críticoCómo verificar
1. Ask for contractor license number — verify online with your state licensing board
2. Confirm license type covers the planned work (general contractor vs. specialty)
3. Check license is active and in good standing (no disciplinary actions)
4. Request Certificate of Insurance — must show general liability (minimum $1M)
5. Verify workers' compensation insurance (required if they have employees)
6. Call the insurance company to confirm policy is current
7. Check for bonding if required by your jurisdiction
Problemas frecuentes
- Unlicensed contractor — no recourse if work is defective, void permits
- License expired or suspended
- Insurance certificate is fake or expired (common scam)
- No workers' comp — YOU could be liable if a worker is injured on your property
- License type doesn't match work scope
- Contractor uses a subcontractor's license