How do I find a trustworthy contractor for my mother's home repairs?

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Start by verifying the contractor’s license, insurance, and local references through your state’s licensing board before authorizing any payment, and always insist on a written contract rather than a cash-only deal.

• Avoid upfront cash payments: Legitimate contractors typically request only a small deposit, often capped at 10% of the total project cost or the state statutory limit, and will never pressure an 80-year-old client to pay the full amount in cash before work begins. This pressure tactic is a major red flag for elder financial exploitation.
• Use third-party referrals: Instead of relying on door-to-door solicitors, ask for recommendations from local aging agencies, the Area Agency on Aging, or trusted community groups. The National Center on Law and Elder Rights provides resources on recognizing and preventing elder financial abuse, which can help you identify predatory behavior.
• Verify credentials independently: Check the contractor’s license status with your state’s Department of Labor or Contractor Board to ensure they are in good standing. Confirm that they carry general liability insurance and workers' compensation coverage to protect your mother’s home from liability in case of accidents.
• Document everything: Ensure the written contract details the scope of work, specific materials, timelines, and total costs. Keep all receipts, invoices, and communications in a dedicated folder for your mother’s financial records. If you suspect fraud, report it to the National Elder Fraud Council or your local Adult Protective Services office immediately.

admin · 2026-09-29 12:39:54