Home-repair fraud continues to be a common problem in Missouri, especially since consumers are rushing to make a few repairs before winter rolls around. After expensive down payments, some are left with unsatisfactory or incomplete work. Many times these repair "companies" are individuals who will take your money and never be seen again or will refuse to return to complete the work.

Knowing the following tips can help ensure you will not become the next victim of home-repair fraud:

• Always know the company -- You should always check the credentials of the company to make sure it is legitimate. You can search the Attorney General's Know MO website or the Better Business Bureau to see if any complaints have been filed against a particular company. You may also want to ask the contractor for references
• Obtain estimates -- Before agreeing to any work that needs to be completed, you should always request a written estimate from the company. To further protect yourself, you may want to seek a second opinion. Also, bear in mind that an estimate is not the same as the final price. As the job goes on, unexpected costs may come up. Be sure to have the contractor get your approval for any additional work or supplies that are needed.
• Written agreements -- Always make sure that all work is agreed upon in writing. These contracts should specify who is to supply the building materials, obtain building permits and pay for any sub-contractors.
• Down payments -- Some contractors will ask that you make a down payment before they begin work or buy building supplies. Be careful here! To protect yourself, you really shouldn't pay more than a third of the estimate as a down payment. Also, tell the contractors that you will reimburse them for any supplies they purchase. If the contractor is pushy and continues to demand a large down payment, it may be time to look for a different contractor.
• Lien Wavers -- When all the work is completed, be sure to ask the contractor for a lien waver upon payment. This way, the contractor acknowledges payment and they cannot retaliate with liens on your property. You should also obtain lien wavers from any sub-contractors involved in the job.

Should you become a victim of home-repair fraud, the Attorney General is here to help. You can file a complaint. Also, find more information by reviewing our Know Your Rights publication.