Hire the right contractor.
Protect your home.
Before anyone touches your roof, see their license, bond, workers' comp, and the permits they've pulled. Then make sure your coverage keeps up with the project.
- License, bond, and comp (checked against state records)
- Real permit history (from city and county records)
- Proof of insurance in one click (no awkward phone call)
Three moments to get it right.
Check the contractor, not just the reviews.
An unlicensed or uninsured contractor turns an injury on your property into your claim. See what the state has on file.
Ask for proof, get a certificate.
Liability coverage often isn't in public records. Request a certificate from the profile, and the contractor sends it back naming you as certificate holder.
Your home changed. Your policy should too.
A new roof, an ADU, or a kitchen adds value your policy may not cover. We compare the permit to your coverage and quote the difference.
Common questions.
What does a contractor check include?
License status and classifications, bond and workers' comp filings, and permit history, each with the date we last checked it. You can also request proof of insurance directly from the profile.
Does “no certificate on file” mean they're uninsured?
No. It means we haven't received a current certificate. Many contractors carry liability coverage that isn't in public records, so request proof of insurance to ask them directly.
Why would my home policy need to change?
A new roof, addition, or ADU raises what it would cost to rebuild your home. If your dwelling limit doesn't keep up, a loss may not be fully paid.
Know who's working on your home.
Check your contractor, then make sure your coverage keeps up with the project.