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Most contractor horror stories start the same way: a quick handshake, a big deposit and no paperwork. These seven checks take about an hour and protect you on any job, from a water heater swap to a full roof.
1. Confirm the license (when the trade requires one)
Ohio licenses plumbing, HVAC, electrical, hydronics and refrigeration contractors through the Ohio Construction Industry Licensing Board (OCILB). Roofers, painters and general remodelers aren’t licensed statewide, but many cities, including Toledo, require local contractor registration and permits. Ask for the license or registration number and look it up yourself.
2. Get proof of insurance
Ask for a certificate of general liability insurance and workers’ compensation coverage, sent directly from the insurance agent. If an uninsured worker gets hurt on your property, you could be on the hook.
3. Read recent reviews, not just the star rating
A 4.8 from 300 reviews tells you more than a 5.0 from four. Read the newest reviews and the negative ones: how did the business respond? Our Home Pros Score weighs rating and review volume together so you can compare at a glance.
4. Get three written quotes
Every quote should list the scope of work, materials (brand and product line), labor, permits, cleanup, start date and payment schedule. If one bid is far below the others, find out what’s missing. Our cost guides show typical Ohio ranges so you can spot outliers.
5. Keep the deposit reasonable
A deposit of 10 to 30% is normal for larger jobs, especially when materials are special-ordered. Be wary of anyone who wants most of the money up front or asks for cash only.
6. Know your right to cancel
Under Ohio’s Home Solicitation Sales Act, if you sign a contract at your home for $25 or more, you generally have three business days to cancel. The contractor must give you a written cancellation notice. This matters most after storms, when door-to-door crews arrive.
7. Get the warranty in writing
Ask what the manufacturer warranty covers, what the workmanship warranty covers, and for how long. Make sure the contract says who pulls permits and who schedules inspections.
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