home improvement loans
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The sad reality of life is that for every hundred merchants trustworthy who will carry your home renovation project to your exact specification, on time and at a price raisonnable, il existe quelques rogue « cowboys » y dont le seul objectif est de vous partie de votre argent aussi rapidement que possible en jetant un regard pour leur exécution et c'est si tout travail se fait à tout !
Cependant, il y a beaucoup de choses que vous pouvez faire pour éviter de devenir victime de ces escrocs.
Tout d'abord, poser des amis de vos recommandations. Ils ont peuvent avoir travail accompli par un commerçant particulier précédemment qui ont effectué un travail professionnel à un prix juste. Si ce n'est pas possible, assurez-vous que le commerçant peut prouver leur compétence by discovering if they are trained for this work and are members of a particular trade. The traders themselves should be able to provide that information and give you contact details of associations with which you can check their claims or, alternatively, you can contact a private trade association and ask them to recommend someone in your region.
Always ask for a written estimate or, better still, a fixed quote before commencing work and get some quotes so that you can make comparisons. Ask to be specifically put in writing and, if there is no "fine print" or things that you do not understand, ask to explain it completely and add the explanation in a citation amended before signing the agreements.
You should also ask any trade issues in addition to checking their reputation and their ability to do the job as mentioned above. This should include asking how many projects like yours, they have done over the last two years and to give you some references, so you can contact people who have had previous work conducted by the merchant. Ask them to produce an insurance certificate to ensure that you receive compensation should the work go wrong.
When it comes to payment, try to limit or even eliminate, any upfront payment as much as possible and always pay by check or credit card. Never use cash. Very often, a trader deemed not require any payment until the job completed to your satisfaction, but if it's a huge job that will take some time, they may require some form of advance payment for materials and overtime costs first. If this is the case, make sure you have written proof and signature to say they have received x amount before starting work.
If they need some payment at the outset, ask them to give you details of other customers who can verify that this arrangement has worked OK. If possible, negotiate payment in stages. So after 25% of work done, another payment is made after half and the rest if it is an example. Do not make any final payment until you are completely satisfied that the work has been completed to your specifications and if they are using other sub-contractors, ensuring that they were paid before submitting the final payment to the prime contractor. Do not put any final payment until the merchant submits written warranties for materials and for quality workmanship and you have written proof that all subcontractors have been paid in full.
You ask the right questions, get satisfactory answers, do your research and get to write everything down, there should be no problem, but do beware of scams. These merchants will accept cash only, those who will ask you to pay for any work from the beginning, those who do not provide you with a business or home address and phone number, or suggest that you borrow money pay for the work of a lender they know, or those who solicit door to door.
knowledge, vigilance and awareness are your best forms of protection for your home improvement project is completed without any hitches.
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