Protection Guide

How to Avoid Contractor Scams and Protect Your Money

Every year, thousands of homeowners fall victim to contractor fraud. Don't be one of them. Learn the warning signs and protection strategies that save families from financial devastation.

$3B+
Lost to contractor scams yearly
1 in 4
Homeowners experience issues
$15K
Average scam loss
85%
Are preventable with vetting

The 8 Most Common Contractor Scams

Know what you're up against. These scams have cost homeowners millions.

The Deposit Disappearance

Contractor takes a large upfront deposit for "materials" and vanishes. Never answers calls again.

Protection: Never pay more than 10% or $1,000 upfront. Pay in stages tied to milestones.

The Phantom Permit

Claims they've pulled permits when they haven't. You discover it when trying to sell or during inspection.

Protection: Verify permits directly with your city building department. Get permit numbers in writing.

The Bait and Switch

Low bid wins the job. Then "unforeseen issues" require change order after change order. Final cost is 2-3x original.

Protection: Get detailed scope in writing. Require written approval for ALL changes before work proceeds.

The Subcontractor Lien

You pay the contractor. They don't pay their subs. Subs file liens against YOUR property.

Protection: Require lien waivers with each payment. Pay subs directly if needed.

The Storm Chaser

After natural disasters, unlicensed "contractors" go door-to-door offering emergency repairs. They do shoddy work or take money and run.

Protection: Never hire door-to-door solicitors. Verify license even in emergencies.

The Fake Insurance

Shows you an insurance certificate, but it's expired, fake, or doesn't actually cover your project.

Protection: Call the insurance company directly to verify. Get yourself named as additionally insured.

The Endless Delay

Work starts strong, then contractor keeps finding reasons to delay. Meanwhile, they're working other jobs with your deposit.

Protection: Contract must include timeline and penalty clauses for delays. Hold back 10% until completion.

The Cash-Only Con

Insists on cash payment to give you a "discount" (avoid taxes). No paper trail means no legal recourse.

Protection: Always pay by check or card. Paper trail protects you. The discount isn't worth the risk.

Your Protection Playbook

Follow these rules and you'll eliminate 95% of your scam risk.

Verify Everything

License, insurance, references, permits. Don't take their word. Call the state board. Call the insurance company. Call past clients.

Get It In Writing

Detailed contract with scope, timeline, payment schedule, change order process. If it's not written, it doesn't exist legally.

Pay Smart

Small deposit. Progress payments tied to milestones. Hold back 10% until 100% complete. Never pay in full upfront.

Document Everything

Photos before, during, after. Save all texts and emails. Record conversations (one-party consent states). Create a paper trail.

Trust Your Gut

Something feels off? It probably is. Pressure to decide now? Walk away. Too good to be true? It is.

Use Verified Platforms

Platforms like Bidroom pre-vet contractors. License verified. Insurance confirmed. Reviews authentic. Less risk for you.

If You've Been Scammed: Take Action Now

Don't freeze. Don't give up. These steps can help you recover.

1

Stop All Payments Immediately

Cancel any pending checks. Dispute charges with your credit card company. Close access to any escrow accounts.

2

Document Everything

Gather all contracts, receipts, photos, texts, emails, and any evidence of the scam. Create a timeline of events.

3

File Complaints

State contractor licensing board. State attorney general. Better Business Bureau. FTC. Local police (if criminal).

4

Consult an Attorney

Construction law attorneys often offer free consultations. They can advise on liens, lawsuits, and recovery options.

5

Warn Others

Leave honest reviews everywhere. Report to community groups. Your warning might save someone else.

Built-in Protection

AI-Powered Matching = Scam Protection

The best defense against scams is never encountering them. Bidroom's AI matching only connects you with verified, vetted contractors who have passed our rigorous screening.

License Verification

Every contractor's license is verified directly with state licensing boards. No exceptions. No fakes.

Insurance Confirmed

Liability and workers' comp insurance verified. You're protected if anything goes wrong on your property.

AI Bid Analysis

Our AI flags unusually low bids that could indicate scams. If a price seems too good to be true, we'll warn you.

Escrow Payment

Your money is protected in escrow. Released only when work is verified complete. Scammers can't disappear with your deposit.

Transparent Bidding

Compare multiple bids side-by-side. See exactly what's included. No hidden surprises, no bait-and-switch.

Quality Jobs for Quality Contractors

Great contractors get matched with quality jobs. They have incentive to do great work because their reputation is their livelihood.

You Are Not Powerless. You Are Prepared.

Scammers prey on the uninformed. That's not you anymore. You know the tactics. You know the warning signs. And now you have access to a platform that does the vetting for you. Bidroom's AI matching connects you only with verified contractors - eliminating scam risk before it starts.

Get Matched with Verified Contractors

Skip the Risk. Use AI-Verified Matching.

Bidroom connects property owners with vetted contractors, and connects contractors with quality jobs. Both sides win. Scammers lose.

Find Verified Contractors Contractors: Join Our Network