Home Renovation? Tips To Protect Yourself Against Liability and Headaches

A home renovation can be exciting but equally stressful project. Any time you open your home to contracted workers that will be tearing apart walls and engaging in potentially hazardous activities like using ladders, power tools, or electrical work you increase the chances for something to go wrong.

Some potential hazards that may occur:

  • Uninsured property loss

  • Theft

  • Workplace injury or death

  • Fabricated workplace injuries

  • Abandonment of projects mid-stride

  • Fires, flooding or weather-related damage while your home’s structure is in a vulnerable state due to construction

Before you hire a contractor, consider these valuable tips to protect you and your home:


Research Vendors

  • Get referrals from friends, family, and neighbors and check the Better Business Bureau or other reputable online sources for reviews and feedback on the contractor.

  • If your state requires residential contractor licensing, check to see if complaints have been filed against the contractor you are considering.

Check to See If You Need a City or County Permit

  • Before you begin an addition to your home or any significant improvement, check to make sure you follow your city and county requirements.

Protect Your Assets


• Verify that contractors are licensed and bonded for damage/theft protection and have liability/worker’s compensation insurance. Also, check your homeowner’s liability coverage. Your homeowner’s policy will usually have general liability insurance, but usually not more than $500,000. This is not usually sufficient general liability coverage to protect you. Your protection in place should equal your current net worth plus the net present value of expected future income. At a minimum, you should have enough to protect your investable net worth.


Get Estimates

  • Get written estimates from several contractors.

  • Don’t assume the lowest bidder is the best choice.

  • Ask about differences in price for the same types of work.

Ask For a Written Contract

  • Even if your state doesn’t require a contract, insist on getting one.

Know Your Payment Options

  • Pay by check or credit card—never cash.

  • If needed, arrange for your own financing, through a financial institution you trust.

Limit Your Down Payment

  • Some state laws limit the down payment amount that can be requested, so check the requirements in your area.

Stagger Payments Based on Completion of Work


This approach ensures that if the work is delayed, your payments will be, too.

At Williams DeLoatche, P.C., we are available 24/7 for FREE consultations on insurance coverage, personal injury matters, and more! Learn more about why our clients trust us with their legal matters HERE!


Unlike larger firms, we provide personalized attention to all of our clients, and both attorneys are involved in all facets of your case and are equally accessible to the client. Please contact us today to see if we can provide high-quality legal services to meet your legal needs. We look forward to serving and working with you.

Contact Us today at 757-547–5555! Personal Attention. Exceptional Results.



National Consumer Law Center

Zeiler Insurance Group