Start by asking friends, family members and neighbors for recommendations. Have they hired a contractor to do building, renovation or repair work recently? Were they happy with the contractor's performance? Would they hire the contractor again? Ask about the quality of the work and whether it was completed on time at the agreed price. Make sure the contractor provided a written contract.

A good contractor has satisfied customers. Ask contractors for a list of customer references --people who can verify the contractor's past performance. Follow through and call the home owners. Ask the same questions as you did when gathering recommendations. Was the work done properly, on time and on budget? If any contractor is unable or unwilling to provide references, don't hire them.

It's important that any contractor you hire operates their businesses properly. If not, you could face serious risks. Poor quality work, extra costs and no warranty service are just some of the pitfalls. You could also face very expense legal problems.

Professional contractors always carry liability insurance and workers' compensation coverage. They comply with municipal building permits rules and building codes. This protects you. Without this protection, you could be liable for any injuries or damages that result from your building or renovation work.

Make sure you get proof of protection from these risks. Ask the contractor for insurance and workers' compensation certificates. Make sure your written contract with the contractor spells out who is responsible for getting building permits and approvals. And because most homeowners' fire and liability insurance doesn't cover construction-related risks, contact your insurance company before construction begins. Inform them about your renovation project and make arrangements for any additional coverage needed.

Always get a written contact that states what work will be done, what it will cost and how payments will be made. Never agree to anything until you have it in writing!

A contract is important for a number of reasons. Without one, there is little you can do if the work is of poor quality or incomplete. You risk being charged for more than you expected. And it's unlikely that you will get any warranty or after-sales service.

Also, a proper written contract gives you specific legal protection should your contractor go bankrupt or fail to pay for the materials and labor that go into your project. Without this, you could face liens and have to pay suppliers, even if you already paid the contractor.

Professional contractors always provide customers with a clear, written contract.

You worked hard to get your home. Don't risk it by hiring a fly-by-night contractor who's willing to gamble with your safety and financial future

When you hire a contractor make sure you know what you're getting into. Don't expose yourself to lawsuits, financial liens or liability for workplace accidents or injuries.

Hire a professional who does things the right way, with satisfied customers and a properly run business.

The above information was used with permission from the HBA of Greater Southwest Illinois. They may becontacted at 618.234.4483