Factor to Consider: Is Your Remodeling Contractor Licensed, Bonded, and Insured?

  1. Licensed, Bonded, and Insured

 

Consumers are often advised to “make sure your contractor is licensed, bonded, and insured,” but bonding or insurance requirements must be fulfilled in order to get licensed. The real question should be, “Are you a licensed contractor?”

 

In order to obtain a license in Minnesota, contractors must (1) Have an owner or manager pass a written exam on technical and business matters, (2) Provide proof of Liability and Property Damage Insurance as well as Workers’ Compensation and Unemployment Insurance, (3) Disclose the organizational structure of the business, (4) Pay a license fee and contribute to the Contractors’ Recovery Fund, and (5) Obtain seven hours of Continuing Education Credits each year.

 

How do you verify that a contractor is licensed?

Minnesota law requires residential contracting companies (not individuals) working on 1-4 unit family dwellings to be licensed and to display this license number on all advertising. Ask the contractor for his state license number. Next, call the Minnesota Department of Commerce at (651) 296-2488, extension “4.” They can tell you if the contractor is licensed, if he has been involved in any legal actions and if there have been any complaints filed against him as well as the general results of any actions. Licenses are extremely important to good contractors and they go to great lengths to keep their record clean. There is no recourse against an unlicensed contractor, but remember that a license is not a guarantee of any kind.

 

 

How do you find out if a contractor is insured?

Ask the contractor for the name of his insurance provider and the insurance agent’s name and phone number. Call the insurance provider directly and ask them to send you a current Certificate of Insurance. This will tell you what kind of insurance the contractor has, what levels of coverage exist and when the policy expires.

 

 

What is the Contractor’s Recovery Fund?

The Contractor’s Recovery Fund exists to compensate consumers for losses incurred due to a contractor’s fraudulent, deceptive or dishonest practices, conversion of funds or failure to perform. All licensed contractors pay an annual fee to the fund. Be advised that the total amount that can be paid out against any one licensed contractor is $75,000. If multiple claims are filed against the same contractor, each claim is prorated and you may not be able to recover your entire loss.

 

 

Ratings

Unacceptable: The contractor doesn’t have insurance, a current license, or the license exists in another company’s name.

 

Good: The contractor has all necessary insurance and a license. He shares his insurance company’s name with you so that you can follow up on proof of insurance.

 

Better: In addition to the above, the contractor shows you a copy of his State License and his Certificate of Insurance, taking care to provide you with a current copy.

 

Best: In addition to the above, the contractor will make all arrangements to have a copy of his Certificate of Insurance made out and sent to you. He helps you understand the insurance and licensure process, explains the value of the process and shows you how you can check out any contractor with the state. The contractor has a higher amount of insurance coverage, which demonstrates stability. He carries an umbrella policy and liability insurance and has a system in place to check that his trade partners are licensed and have the necessary insurance. He has a current Certificate of Insurance on file for all of the firms with which he is working.

 

 

Check out the other 24 factors that every smart house-owner use when they consider their remodeling contractor here.

June 2017 Castle BRI Newsletter

 

 

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SAVE THE DATE!

2017 Castle Home Tour : Sept 30th – Oct 1st

Featured Project: Kitchen Remodel + Bath Dormer

This sneak peak 2017 Home Tour project included adding a 2nd floor dormer bathroom to an attic space that already had 2 finished bedrooms, as well as renovating the kitchen.

    

The kitchen was a full renovation with a new, more functional layout.  The cabinets were custom made with traditional details like inset doors and drawers, and stiles that run to the floor to add old character and charm. The new layout makes the kitchen feel much larger, although no square footage was added or gained from adjoining spaces.  A trash/recycling/compost center was added under an existing window, and the homeowner’s original banquette seating area was reinstalled with a new wood top and fresh coat of paint.   The backsplash is a handmade, traditional craftsman style tile, but in a fresh, modern size to maintain an updated look.  Hardwood floors were installed to match the existing in the rest of the home, and traditional fixtures we used to reinforce the old-style charm.

The attic dormer was completed for a new ¾ bathroom on the upper level where the master bedroom was.  This modern bathroom oasis features a grand Carrara marble shower with shaving ledge and storage niches, a beautiful porcelain heated tile floor, and new traditional cabinetry to match the new kitchen.  The plumbing fixtures, lighting and accessories all enhance the space – adding a little sparkle and keeping with the more traditional feel.

See this project, and more on this year’s Home Tour, September 30- October 1st. See more details on the 2017 Castle Home Tour.

Product Spotlight:  Soapstone Countertops

As used in this featured Home Tour project, charcoal soapstone countertops offer a wonderful matte texture, that will patina over time. An excellent choice for virtually any style remodel, but especially those with a historic feel.

Educational Spotlight:  Soapstone Maintenance

In order to create and maintain the dark look to soapstone countertops, many people choose to apply mineral oil (available at pharmacies). Mineral oil helps the stone oxidize, and in return, gives it the rich, gray color many homeowners prefer. This oil should be applied every 1-3 months, as desired to maintain the look, but you’ll know you need another application when water spills start to leave noticeable marks.

If deep scratches occur, the nice thing about soapstone is that you can buff them out with fine sandpaper, and then simply reapply mineral oil! NEVER use harsh cleaners on soapstone- mild dish soap will do the trick!

 

How to Care for Granite Countertop

Low maintenance, impressive show, and longevity – you get it all with granite as compared to any other stone. Below is advice to follow on how to care for granite natural stone countertops.

 

Granite Countertop

A very sturdy stone, second only to diamond, granite is generally unaffected by most chemicals. Yet it is always advisable to use only neutral, mild, and vegetable oil-based cleaners in the company of scrubbing pads to clean granite countertops.

 

Wipe the counters regularly

As soil can prove to be abrasive and may damage the surface of the granite countertop, it is suggested to wipe the counters regularly. Because harsh cleansers may discolor the stone, it is always wise to choose a pH-balanced dishwashing liquid as a cleaning product. You may occasionally use an electric scrubbing machine or a rather forceful hand movement with a stronger solution of a neutral cleaning agent, to get rid of the tougher stains on the granite countertops.

 

 

Check out this YouTube video from other website on how to clean your granite countertop. (Credit to: Howcast)

 

 

Avoid prolonged contact with acid on granite

Though granite is a reliable stone that can withstand just about any hot and harsh item on its surface, it is not prudent to leave acidic (lemon, vinegar, soft drink) liquids on its surface for long as this may create a slightly dull surface in the area of contact.

 

Do not use granite as a cutting board

Your knives will quickly dull and repeated cutting may damage the countertop’s surface with light cut marks and eventually an abrasive surface. Any conspicuous cracking and chipping must be dealt with the help of professionals.

 

Avoid dragging utensils

Granite is comprised of many minerals and certain ones may scratch or chip. Therefore, it is only logical to avoid dragging utensils, pans, pots, and appliances across the granite countertop.

 

Use sealant once a year

As regular polishing is essential to keep the stone as good as new forever, it is suggested that a penetrating sealant, as recommended by your countertop installer, must be applied once a year. DO NOT go for a stone sealer that shall not penetrate granite, as these harsh solvents are hard to remove eventually.

 

Polish with a fine steel wool

Mend minor damages to the surface of the granite countertop by polishing with a fine steel wool. Scrape off a hard substance stuck to the surface of the countertop with a hard and thin object, like a debit card.

 

 

 

 

Above are tips on how to care for granite countertops. But do you know that granite and quartz countertops are different in many ways? Check them out here at this useful website on Comparison between Granite and Quartz Countertop.

 

 

Paver Patio Maintenance and Care

A Paver patio looks beautiful when it’s new. After a few seasons of harsh weather and backyard parties, pavers start to show the strain. If you are looking to get a new patio hire paving stones for patios, they are amazing.

 

Broken Pavers

Check for any cracked or chipped pavers. Hopefully, when you installed your pavers you bought extras just in case. Replace the damaged pavers. If your pavers are set with an adhesive or Polymeric sand, removal will be more difficult, but not impossible. Carefully, using a hammer and chisel, break out and remove the old paver and replace with a new one.

 

Stain Removing

Use dishwashing soap and water with a stiff bristle brush to scrub away stains and just to give the pavers a good wash might save you a cleaning appointment with the pros. If you have an oil based stain, soak up as much of the stain as possible with kitty litter. Leave the kitty litter on overnight and sweep up. Use a degreasing product such as Lestoil and a scrub brush. If the stain is deep, it may be easier to just replace the paver.

 

If you have rust stains on your pavers use care in choosing a product or remedy. Many of these home used cleaners can actually damage your pavers depending on the paver material. If dishwashing detergent, hot water and a stiff brush don’t remove the stain, your best bet is to go to a home improvement store and buy a product specifically made for your type of pavers. To avoid rust stains, make sure your metal patio furniture or grill feet are sealed with a rust inhibiting product.

 

Paint stains can be removed with a paint thinner. Apply paint thinner to the stain with a rag and carefully scrape the paint stain away. Make sure you wash the area well after you clean the stain.

 

 

Sealing Pavers

Allow your pavers to completely dry. Apply a sealer specifically made for your type of pavers. Do not allow anyone to use the patio until the area is completely dry.

 

Check out this Youtube video from other website to see Sealing Pavers In Action (Credit to: Mechanic Gardener)

 

Regular cleaning, weeding and replacement of broken pavers will keep your patio looking as good as new. Pressure washing is not recommended for pavers. The force of the water is damaging.

 

 

 

Reminders & Information

FREE Educational Remodeling Classes
All classes are FREE to attend! Classes are held Tuesday evenings from 6:00 p.m. – 7:30 p.m. and a few Saturday mornings from 10:00 a.m. – 11:30 a.m. All classes are instructed by a knowledgeable Castle employee or one of our trusted Trade Partners. Class space is limited, please sign up online to guarantee your spot. For a full 2017 class list, please visit our website!

The Natural Built Home Store 
June 17th, 2017 – Green Bath Remodeling
July 22nd, 2017 – Planning a Green Kitchen Remodel


South Minneapolis Showroom
June 13th, 2017 – Planning a Basement Remodel


 
Did you have a great experience with Castle? 
We’d love to hear about your experience with Castle, how you’re enjoying your new space, and any general thoughts or comments you’d like to share. Tell us your thoughts today!

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