I'm a licensed general contractor, and I'm going to tell you something most contractors won't: the worst thing that can happen on your project isn't paying too much — it's hiring the wrong person. Here's how to get it right.
1. Verify the license yourself
In Florida, any job over $500 in labor and materials requires a licensed contractor. Don't take their word for it — look them up on the Florida Department of Business and Professional Regulation website (myfloridalicense.com). It takes two minutes. If they're not listed, walk away. No exceptions.
2. Insurance isn't optional
Ask for a certificate of insurance showing general liability and workers' comp. Then call the insurance company to verify it's current — certificates can be faked, and a lapsed policy leaves you exposed if someone gets hurt on your property. If a contractor gets annoyed by this request, that's your answer.
3. Get three bids — and read them, don't just compare the number
Three bids is the rule for a reason. But the total at the bottom matters less than what's inside. A detailed bid with line items tells you the contractor actually thought about your project. A one-page bid with a single number tells you they're guessing — or planning to make it up in change orders later.
4. Beware the low bid
If one bid is 30% lower than the others, it's not a bargain — it's a warning. They're either cutting corners you can't see, planning a flood of change orders, or they don't understand the scope and will figure that out halfway through your kitchen. The cheapest bid is the most expensive mistake in remodeling.
5. Never pay in full upfront
A reasonable deposit is normal — typically 10–30% depending on the project. But if someone wants 50% or more before lifting a hammer, that's a red flag. Payments should follow progress: deposit, milestones, final payment on completion. And never make the final payment until the work is done and you're satisfied.
6. Get everything in writing
Scope of work, materials (brand names and model numbers, not “tile” and “paint”), start and completion dates, payment schedule, how change orders are handled. If it’s not in the contract, it doesn’t exist. A contractor who resists putting things in writing is telling you exactly how the project will go.
7. Trust your gut at the first meeting
Did they show up on time? Did they listen, or just talk? Did they explain things clearly or hide behind jargon? You're going to have this person in your home for weeks. If something feels off in the first conversation, it won't get better once demolition starts.
The bottom line
A good contractor is licensed, insured, transparent, and communicative. A bad one is cheap, vague, and in a hurry for your deposit. The extra hour you spend vetting upfront saves you months of headaches later.
If you're looking for a contractor in the Tampa Bay area, we'd love to earn your business — and we'll happily hand you our license number, insurance certificate, and references before you even ask. Family First 365, Certified General Contractor. Call 813-476-1183 for a free estimate.