How to Hire a Contractor Without Getting Scammed — The Ultimate Checklist
Hiring a contractor shouldn't feel like a gamble. Use this checklist before you sign anything — it's the same one we'd run if it was our own house.
The 7-step checklist
1. Verify the license and insurance
Ask for the contractor's trade license number and certificate of insurance — then actually look them up with your provincial regulator. A real pro won't blink. If they get defensive, walk.
2. Confirm WSIB / workers' comp coverage
If a worker gets hurt on your property and the contractor isn't covered, you can be on the hook. Ask for a clearance certificate dated within the last 60 days.
3. Call three real references
Don't just read reviews — phone past customers. Ask: did they finish on time, on budget, and would you hire them again? Hesitation is the answer.
4. Get at least three written quotes
Compare line items, not just the bottom number. The cheapest quote often skips permits, dump fees, or proper materials. The most expensive isn't automatically best either.
5. Get a written contract before any money changes hands
Scope of work, materials, start and end dates, payment schedule, change-order process, and warranty — all on paper, signed by both parties.
6. Never pay more than 10–20% up front
A large deposit is the #1 sign of a scam. Tie payments to milestones (rough-in complete, drywall up, final walkthrough). Hold back at least 10% until everything is done.
7. Pull your own permits — or confirm they pulled them
If your municipality requires a permit and one isn't pulled, you own the problem when you sell. Call your local building department and confirm before work starts.
Red flags that mean walk away
- Door-to-door pitch with a 'today only' discount.
- Asks for cash, e-transfer to a personal account, or full payment up front.
- Refuses to put anything in writing.
- No physical business address or company website.
- Pressures you to skip permits 'to save money'.
- Vehicle, uniforms, and invoices don't all show the same company name.
How Tradezlist helps
Post your job once and we notify vetted local contractors in the right trade. You get real quotes from real pros — with reviews, license info, and past work attached. No lead fees, no spam calls, no selling your number.