Before You Hire a Contractor: What Every Homeowner Should Know

Licensing Isn’t Optional — It’s the Law

In California, any job over $1,000 — including labor, materials, and the combined value of multiple tasks — requires a licensed contractor through the Contractors State License Board (CSLB).That means even a series of small jobs — like installing a garbage disposal, building a short section of fence, and running a new electrical outlet — can quickly add up to more than $1,000. If the total crosses that threshold, the person performing the work must be licensed, or both the contractor and homeowner could face consequences.Why this matters:- Unlicensed workers are not properly insured for larger-scope work.- Homeowners could be left without legal protection if something goes wrong.- It’s not just about protecting your wallet — it’s about protecting your home and safety.

Verify a contractor’s license here: https://www2.cslb.ca.gov/onlineservices/checklicenseII/checklicense.aspx

Deposits Are Regulated for Your Protection

California law prohibits contractors from collecting more than 10% of the total job cost or $1,000 as a down payment — whichever is less.This rule applies to licensed contractors. If someone without a CSLB license is asking for a large deposit up front, they’re not only violating the law — they’re putting you at serious risk.

Have a Realistic Budget — and a Buffer

Even with the best contractor, unexpected costs can happen. Hidden water damage, outdated wiring, or material delays can all impact your timeline and costs.We always recommend:- Building in a 10–20% contingency buffer- Defining your “must-haves” vs. “wish list”- Talking openly about unknowns before the work beginsAt McCray & Sons, we don’t believe in surprises. We believe in clear communication and mutual respect from start to finish.

Clarity Over Cost

It’s not about getting the cheapest quote. It’s about getting a transparent one.Ask your contractor:- What’s included and what isn’t?- How do you handle change orders or discoveries inside the walls?- Are clean-up and disposal included in your estimate?Professionals don’t shy away from these questions. We welcome them.

Know Who’s Working in Your Home

Ask who will actually be doing the work:- Will it be licensed employees, subs, or day laborers?- Are they insured and background-checked?- Who supervises the work daily?At McCray & Sons, we’re proud of our crew — and we make sure our customers know who’s coming to their door.

Communication Is Everything

Even skilled work can go sideways if the contractor ghosts you mid-project. That’s why communication is non-negotiable.Look for a contractor who:- Follows up quickly- Keeps you informed when issues arise- Makes it easy to ask questions and get updatesWe’ve built our reputation in West Sacramento on being the contractor that calls back — and shows up.

Bottom Line: Trust a Licensed Local

Choosing the right contractor is more than a transaction — it’s a relationship.Hiring someone unlicensed to “save a few bucks” can come back to haunt you in the form of damage, liability, or financial loss. Protect your home, your investment, and your peace of mind by hiring a CSLB-licensed, local contractor.

Need Help with Your Next Project?

We’re McCray & Sons Home Services — a family-rooted, community-trusted contractor proudly serving West Sacramento since 2017. Licensed. Insured. Professional. And always ready to help.

916.258.1290