Don't be afraid -- ask! You're making one of the most important decisions of your life and you deserve answers to your questions.

These are the basic questions you should ask regardless of the size, type of project, style or price of home you are considering -- whether you plan to remodel, build an addition, build custom home or buy a completed new home. Obviously, many more questions will come to mind that relate to the specific home you desire; just don't allow the excitement of discussing your new home to overshadow the importance of getting straightforward answers to these basic questions.  Do your homework before having work done on your home.

Use this checklist to help you select a home builder or home remodeler to work on or build your home.Does the builder or home remodeler have a permanent business location and a good reputation with local banks and suppliers?

1. How long have they been in the building business? It usually takes three to five years to establish a financially sound business. Will they be around after the construction is complete to service any warranties?
2. Have you called your local Better Business Bureau? They can alert you to any complaints.
3. Does the builder/remodeler have sufficient workers compensation and general liability insurance? If not, you may be liable for any construction-related accidents on your premises.
4. Will the builder/remodeler provide you with names of previous customers? Ask them if they would hire the builder/remodeler again.
5. Have you seen the builder/remodelers work, both completed and in progress? Check for quality of workmanship and materials.
6. Are you able to communicate with the builder/remodeler? Remember you will be in close contact with them throughout the construction process and afterward as you live in your new home.
7. Will the builder/remodeler provide you with a complete and clearly written contract? The contract will benefit both of you. Review it carefully.
8. Be cautious of unusually low-priced bids. If the builder/remodeler is unable to pay for the materials and labor as the project proceeds, this may indicate a potential problem.