Finding
the right builder to turn blueprints into reality is one of
the biggest challenges facing someone planning to build a
new home. Here are some tips to help you with your search.
1. Interview Your
Candidates
Make a list of possible
candidates for the job based on recommendations from your
real estate agent and anyone in your neighborhood who has
recently had a home built. Arrange an appointment to meet
the contractors separately and show them the plans for your
home. You will be judging the contractors not just on skill
and business sense but on trustworthiness. During the
interview, do they listen carefully to what you said,
responding with questions and suggestions? A house normally
takes several months to build. Would you feel comfortable
dealing with the person on a daily basis for that period of
time?
2. Run Background Checks
Contact your local Better
Business Bureau and your state’s nearest department of
consumer affairs or consumer protection agency to ask
whether any complaints have been lodged against your
contractor candidates. Keep in mind that not all complaints
may be serious. Ask the candidates for bank and business
references, and for the names of several clients for whom
they have worked, and then follow up. When you talk to a
homeowner, separate facts, such as whether the job came in
on schedule and within the budget, from opinions, such as
whether the contractor was sensitive to the client’s needs.
3. Is the Contractor
Insured?
Check to be sure the
contractors you interview carry insurance that meets the
minimum requirements of your state. Ask the contractor to
have his insurer mail you a certificate of insurance. As in
many states, contractors must also carry workers’
compensation insurance as part of their licensing
requirement.
4. Is the Contractor
Licensed?
Contractors are regulated
by state, so you can check the status of your contractor’s
license whether it is "current and in good standing" with
the appropriate agency in you state. The name of the agency
varies from state to state, but in general, look in the
government section of your phone book under contractors or
licensing. In Massachusetts all General Contractors and
Home Improvement Contractors MUST be licensed. The
Commonwealth of Massachusetts State Board of Building
Regulations and Standards are in charge of all licensing
and regulatory actions for contractors.
Be aware of your state lien laws. For example, if you have
paid your contractor in full but for some reason he has not
paid one of his subcontractors, then that subcontractor
might be able to put a lien on your house.
5. Call in Competitive
Bids
Bidding works only if the
invited contractors are asked to bid on copies of the same
complete set of plans and specifications. Analyze the bids
as carefully as you can, and don’t automatically assume the
lowest bid is best. If you have done your homework properly
and the contractors are equal in resources, skill, and
excellence, then the bids should all be within 5 to 10
percent of each other.
6. Before You Sign
The written agreement
between you and your contractor explains your relationship
in legal terms. A typical contract between owner and
contractor defines what is meant by the contract documents
(these include the drawings for the project), lists them
fully, and describes the scope of the job (what the job
will include and what it won’t). It includes dates for the
project to start and to finish, and states the cost of the
job, the payment schedule, the size of the down payment,
and the conditions for final payment.
The contract should also specify all materials to be used,
including quality, quantity, weight, color, size, or brand
name where applicable. Experts advise that, except for a
down payment, you avoid making payments for work that has
not yet been completed. You and your lawyer should
carefully review any contract before you sign it.
7. Stay Involved
Good communication between
home owner and contractor is essential to a successfully
built home. That means staying involved from beginning to
end.