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There are many contractor scams to be aware of, but one of the most important is fraudulent representation of insurance! This is a classic Contractor Con! All contractors are provided an Insurance Certificate that itemizes the policy value and expiration date. It is Extremely important to ask to see this document! However, any contractor can present a seemingly valid insurance certificate! For all you know, the policy has been cancelled due to non payment the week before! If a contractor can't pay his premiums... where do you think your deposit is going? Right in his pocket!
ADVICE: You MUST take additional steps in screening contractors to avoid becoming an innocent victim. Reputable contractors will offer, but you must insist, that you receive a copy of their insurance certificate with your name as the certificate holder. There are Contractor Screening Tools available to assist you to find a Reputable Contractor... use them!
