Tag Archives: contractor

Home Repair Basics: Introducing CAP’s Home Improvement Specialist

Posted on by

By Gabriel Taylor-Marsh

Picture of Gabriel Taylor-Marsh in a red jacket.
Gabriel Taylor-Marsh, Home Improvement Specialist at the VT Attorney General’s Consumer Assistance Program

It can be difficult to get ahold of the right contractor for your next home improvement project. I am here to let you know that I want to help. I am Gabriel Taylor-Marsh, Home Improvement Specialist in the Vermont Attorney General’s Consumer Assistance Program.

I share important information every day to help homeowners and contractors throughout the home improvement process, whether there is a question about steps to take before hiring a contractor, or when inquiries arise from a contractor about their in-state registration requirements. I am also here when problems arise and provide telephonic/letter complaint mediation between homeowner and business parties.

In short, I want you to have a great home repair experience. If you are getting ready to have work done on your home, there are things you can do now to find and then hire a contractor. Follow the below checklist and visit our website to learn more: https://ago.vermont.gov/cap/home-improvements

HOme repair how-to checklist

1.    Use Vermont contractor registries to make an informed decision. Contractors: 
       – Registered as a contractor with the Secretary of State agree to meet Vermont professional standards.
       – On the Home Improvement Fraud Registry have been convicted of home improvement fraud.

2.    Ask for recommendations from your community – friends, neighbors, family, co-workers.

3.    Once you identify a contractor you are considering for your project, do more research.
       – Lookup complaint history online, using the name of the contractor and “scam” or “complaint” in your search.
       – Contact the Consumer Assistance Program (CAP) and ask if they have complaints filed against the contractor you are considering, the timeframe and the nature of the complaints. 
       – Review Better Business Bureau complaint history. 

4.    Ask the contractor to show you their active registration and insurance policy.

5.    Get quotes from 2-3 other reputable contractors. Quotes should include the expected payment timeline (ideally with a deposit of no more than 10-30%) and ask for references from prior jobs.

6.    Make sure all project expectations are in writing; request a written contract or estimate and do not sign anything you do not agree with.
– DO NOT pay all at once! Request an invoice and offer to pay at completion, by installment, or with a reasonable down payment for labor and materials.

Once hired, keep track of all invoices, bills and communication between you and your contractor. 

Please reach out to me directly with any questions you may have: https://ago.vermont.gov/home-improvement-specialist-bio

Home Improvement Fraud Has No Boundaries

Posted on by

By Cristina Leiva

A National Consumer Protection Week feature. “National Consumer Protection Week (NCPW) is a time to help people understand their consumer rights and avoid frauds and scams” (FTC). 

Fraud has no boundaries: Protect your home from home improvement fraud.
Protect Your Home from Home Improvement Fraud

Improving your home can be an overwhelming process to complete on your own. Turning to a contractor can help relieve the stress, but homeowners should be aware of the existence of home improvement fraud.

Home improvement fraud happens when a contractor promises to improve your home, but leaves the project incomplete or your home in an uninhabitable condition.

Before hiring a contractor for a home improvement project, do your research:

  1. Start by reviewing the Vermont Attorney General’s Home Improvement Fraud Registry where you’ll find the names of individuals who have been criminally convicted of committing home improvement fraud in Vermont.
  2. Check the Secretary of State’s website to verify that the residential contractor is registered, as required by Vermont law.
  3. Review complaint history posted on websites like BBB.org.
  4. Contact the Consumer Assistance Program (CAP) and ask if any complaints have been filed against the contract you are considering.
  5. Ask your friends, neighbors, family, and co-workers about their home improvement experiences. These individuals are more than just connections; they are resources that can provide contractor references and warnings.

Tips for avoiding home improvement fraud:

  • Ask the contractor for references. Then, call the references and ask detailed questions about the work done, satisfaction, price, the time it took to complete, and how they found the contractor.
  • Find your contractor through trusted family or friends or trusted websites.
  • Pay in increments rather than a large sum/total payment upfront.
  • Once you’ve chosen who you want to hire, determine the exact timeframe and the estimated price for the job. Compare this price to makeups for similar projects (get at least three estimates).
  • Get all agreements in a written contract. Verbal statements are difficult to prove.
  • Keep your down payment to a minimum.
  • If possible, make your payment upon completion of the work; or at least make payments as the equivalent portion of the work is completed. That way, if the contractor walks off the job, you haven’t lost any money.
  • Don’t make the final payment until you are completely satisfied with the work.
  • Always request proof of insurance.

Warning signs of less than reputable contractors:

  • Door-to-door solicitations.
  • Claims that the contractor was passing by and noticed a problem with your home.
  • Discounts for finding other customers or to use your home as a demo model.
  • Offers a good price for materials left over from a previous job.
  • Only accept cash payments.
  • Uses high-pressure sales tactics and demands a decision on the spot.
  • Asks you to pay for the entire job or a substantial portion of the job up front.
  • Suggests that you borrow money from a lender the contractor knows.
  • Refuses to provide proof of insurance or legitimate contact info.

Before hiring a contractor, you should know that while Vermont law does not require all home improvement contracts to be in writing, you can request a written contract outlining the terms of the agreement. If there isn’t a written contract, the contractor may disclaim liability for complications, or dispute the agreed-upon terms. When considering a contract, it’s best to read each page and verify acceptance before you sign it. Fraudulent contractors could conceal important documents underneath the agreement that could have dire consequences, including the loss of your home.  

Avoid home improvement by: Ask trusted family, friends, and neighbors for references. Get a list of clientele recommendations from the contractor. Research online and read reviews: Check online and CAP complaint history and the HIF Registry. Contract Tips: Get it in writing! Pay in increments rather than full payment. Avoid: Door-to-door solicitors. High-pressure sales. Requirements to pay for the entire job or a substantial portion of the job up front. VT Consumer Assistance Program. 1-800-649-2424.
Avoid Home Improvement Fraud by the Consumer Assistance Program

If you have a problem with a home improvement project or want to research a contractor before hiring them, contact CAP for assistance by visiting ago.vermont.gov/cap or by calling 1-800-649-2424.

ADDENDUM: As of April 1, 2023, registration of certain residential contractors is required. Learn more about the requirements from the Office of Professional Regulation of the Vermont Secretary of State. 

Residential Contractor FAQs: https://sos.vermont.gov/residential-contractors/residential-contractor-faqs/ 

Residential Contractor Statutes, Rules & Procedures: https://sos.vermont.gov/residential-contractors/statutes-rules-resources/