Finding a reputable contractor is a matter of asking the right questions and thinking twice about any of the following:

· The lowest bid: If a contractor's bid is more than 20 percent below the other proposals, be wary. It is usually unwise to hire a contractor who is desperate for your business (and deposit) in order to finish another project.

· No address on the bill: Reputable contractors should be able to provide a complete address to potential clients. Not just a P.O. Box. Make sure that you have business documentation before you hire a contractor.

· "I don't take checks": Be wary of a contractor who will accept only cash. Reputable contractors accept checks, credit cards or have financing available.

· Insurance coverage: Confirm that a contractor has at least the minimum insurance--including workers' compensation, property damage, and personal liability--required by the state. If they don't have any insurance, you could be liable for injuries on the job.