How Do You Verify a Restoration Company's License and Insurance?

Ask the pro for their contractor license number. Then, look up that number on your state's official contractor licensing website. This public database will show if the license is active and the business name matches. It also indicates the type of work the license allows them to perform.

The lookup will also reveal any past disciplinary actions or complaints. Verify that the license covers the type of restoration work needed, such as water damage mitigation. If you live in New Orleans, this step is a fundamental part of hiring any contractor. An unlicensed operator may not follow building codes, creating future problems for your home.

You may choose to contact the insurance provider listed on the paperwork. A call can confirm the policy is active for the type of work being done. This extra step helps verify the document is current and legitimate. Policies vary, and your insurer decides what is covered.

When you speak to the contractor's insurance provider, ask if the policy includes completed operations coverage. This type of coverage can be important if a problem arises from the work after it is finished. This verification closes the loop on your insurance check.

• Ask for the document showing insurance details before work starts.
• Note the insurance company's phone number on the form.
• Call the insurer to confirm active, valid coverage.
• Verify the policy includes general liability insurance.
• Check that workers' compensation is listed for employee injuries.
• Ensure the policy limits are adequate for your project's scale.

After you are comfortable with a pro's standing, you can discuss the project details. Get a written agreement that outlines the work to be done and the expected costs. Keep your notes on their license and insurance with your project paperwork. This helps you stay organized.

Continue to monitor the work as it progresses. If you have questions about the process, do not hesitate to ask the pros for clarification. Good communication helps ensure the project meets your expectations. After verification, your focus can shift to the restoration work itself and returning your home to normal.