no stone unturned. Also, you will want to request a list of references. If a contractor is worth working with, then they should be more than happy to provide a list of references includ- ing past clients and subcontractors/ employees. Call prior clients to verify that the build went according to plan, finishing on time and on budget. Call prior subcontractors to verify that they were paid for their work in a timely manner, the job site was clean, materials were on site when they needed to be, and that there were no major safety concerns. Most importantly, you will want to verify that lines of communication were open with the contractor for the length of the project. There is noth- ing more frustrating than not being able to get a hold of your contractor when something urgent comes up. NO. 2 Insurance Capabilities There are risks associated with construction. To protect you, the owner, and the contractor from any undue financial burdens, it is a good idea to have multiple insurance policies in place. When vetting your contractor make sure that they have a general liability policy. This type of coverage helps a business pay for bodily injuries that a client or third party may incur on a contractor’s jobsite. It also covers the contrac- tor for any accidental damages caused to someone else’s property. Another crucial type of insurance is workers’ compensation, which protects the contractor from any injuries suffered by employees on their jobsite. Without these policies in place, your project is one missed step or dropped hammer away from being halted entirely. If you hire a contractor without these protections and one of the carpenters falls off a ladder, then the contractor is stuck

or complaints that they have been involved in within the last five years. This is a step that many eager first- time home builders regretfully skip. A thorough dive into each contrac- tor’s business history to uncover any potential lawsuits or unresolved claims will save you a large headache down the road. First, ask the contrac- tor yourself and then do the research. This gives the contractor the oppor- tunity to be forthcoming and honest about any legal actions they have been involved with. They can disclose all instances of legal action taken against their company and amicably defend their case to you. Alternative- ly, they could take this opportunity to deny any legal actions. The truth will come out regardless via deep research into their firm. This is a great opportunity for you to test a contractor’s character. Never hire the contractor who lies about legal action taken against them; at least consider the contractor who is honest about their legal history, and seriously consider the contractor who claims no legal history with the research supporting said claim. Vetting a contractor who will be the best fit for your project specifications is crucial. This individual or company will be responsible for building out your vision according to your plan, your timeline, and your budget. It is imperative that communication and documentation between you and your contractor is seamless. •

footing the bill for all associated medical expenses. This situation has the potential to cause serious delays in your project as the contractor may not have the funds to purchase all necessary building materials or pay his workers after paying for all medi- cal expenses from the accident. Hav - ing these policies in place protects you from any additional expenses due to a delayed build schedule. During the vetting process be sure to verify which insurance policies each contractor has for their business. NO. 3 Self-Performvs. Sub-Contractor Labor Ideally, you will want to find a gen - eral contractor who will be self-per- forming most of the project them- selves. This ensures a level of quality control that is not always guaranteed when you have ten different entities piecing together your project. It is a general contractor’s responsibility to play the role of account manager and orchestrate all trades on site at any given time. This is not to sug- gest that sub-contracting work is a poor indication. It is common to have certain phases of construction like electrical, plumbing, and roofing done by subcontractors allowing the general contractor and his employ- ees to work on items like foundation or framing. This saves time. Howev - er, you will save money if the general contractor self-performs more work by avoiding the mark up of materials and labor costs when utilizing sub- contractors. Try to get an idea how much work each contractor typically self-performs. NO. 4 Legal Actions Finally, you will want to ask all general contractor candidates about any legal actions, pending litigation,

Taylor Miller is Project Specialist at Owner Builder Advisors (OBA), a company offering a full suite of construction monitoring and risk

management services. A former commercial Real Estate Appraiser and Construction Analyst, he assists OBA clients in navigating the ground-up development process. Taylor is a new father who enjoys spending time with his family and taking long bike rides.

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