Below, you’ll find simple steps to protect yourself and take action if you’ve been caught out by dodgy tradespeople:
- What is a cowboy builder?
- How can I protect myself from cowboy builders?
- What should I do if I’ve hired a cowboy builder?
- Does home insurance cover building work?
What is a cowboy builder?
Cowboy builders can turn your dream home improvements into a real-life horror story. They may leave you with shoddy work, a lighter wallet and no way of getting your money back. Knowing what to look for can help keep your home (and your money) safe and sound.
How can I protect myself from cowboy builders?
Before you hire anyone, it’s time to do your homework. Here are seven red flags to watch out for:
- Are they asking for cash upfront? If a builder wants cash before starting work, it’s a warning sign. Legitimate builders usually won’t ask for payment until you’re happy with the job.
- Is there no contract? If they aren’t willing to put things in writing, run! A contract protects both you and the builder.
- Are they providing clear estimates? Good builders will give you a written estimate and a timeline. If they can’t, it’s best to keep looking.
- Did they approach you out of the blue? Be cautious if someone shows up at your door offering unsolicited repairs. Always seek a second opinion from a reputable builder.
- Do they have references? A trustworthy builder should provide references from happy customers. Check online reviews – like those on Checkatrade - or ask friends and neighbours for recommendations.
- Do they have a business address? A professional builder should have a verifiable business address and landline contact number.
- Are they registered with trade groups? Membership in recognised trade organisations is a good sign. You can call these groups to verify their credentials.
If you spot any of these warning signs, it’s best to steer clear. Remember, the cheapest choice isn’t always the best in the long run.
Once you’ve found a builder you’re happy with, try to pay by credit card. Paying with a credit card for jobs between £100 and £30,000 gives you extra protection through the Consumer Credit Act.
What should I do if I’ve hired a cowboy builder?
If you’ve already fallen into the cowboy builder trap, don’t panic. Here’s what you can do:
- Report them to the police. If you believe you’ve been scammed, report it! Provide the police with as much information as possible, including any quotes, contracts, photos, and documentation you have.
- Contact Trading Standards. They can help you negotiate a settlement and guide you on what to do next. They may also suggest reaching out to your local Citizens Advice centre. They may have details about other people in your area who’ve been stung by the same builder.
- Consider a court claim. If your builder refuses to refund your money, you can make a court claim. Having a contract with your builder for the work you’ve asked them to do will bolster your case.
Does home insurance cover building work?
Most standard home insurance policies don’t cover major building work. Instead, your builder’s liability insurance should protect any work they do. This is why it’s crucial to hire a reputable builder. If they aren’t insured, you could face significant problems if anything goes wrong.
Don’t forget to let your insurer know about big renovations to your home. That way, you can be sure it’s properly covered by your home insurance policy.
Staying informed and vigilant is your best defence against cowboy builders. If something seems too good to be true, it probably is! Take the time to research and choose your builders wisely, and you’ll be well on your way to a successful home improvement project.
