Paying Up Front

Paying Up Front


Every time you see a storm come through your area you surely see a long line of construction storm chasers beating on your door. They bring with them unlimited promises of high quality work completed fast. You will also see numerous local TV stations doing segments on these construction workers. These segments almost always include a stern warning not to give these guys any money up front. Usually within a few weeks you will see a corresponding story on how some old couple paid for the work up front and never received the services. The couple loses their life savings to the shady contractor and the news person recites a check list of things to check out before you hire a contractor.

While not giving these kind of contractors any money up front is not such a bad idea, keep in mind not all contractors are that way. I would suggest the payment up front. But we do not ask for some of the money up front.


Let me explain to you why we don’t ask for a deposit: just as you don’t know us, we don’t know you. When we send a salesperson out to consult with you, it is the first time we have met you. We don’t really know anything about you or your credit.

We give you a quote and you then tell us to proceed. Unlike most goods or items (like cars), once we install our spray foam insulation into your house, there is no way to repo our product. If for some reason you are not able or willing to pay us, the only real recourse we have is to put a lien on your property. While this may get us paid, it takes time (sometimes even years to collect!).We have time and material invested in a project that we cannot collect. You would not go into a big box store and just walk out without paying.

You should also expect respectable contractors to ask for some kind of money down on a project in good faith. Once again, I do not recommend giving 100% down, but a deposit of 25-30% is very common in the construction world. Depending on the type of service or project, some contracts will require monthly draws or payments corresponding with the amount of work completed.

As we have said many times before, you have to do your homework! Check out the contractor, check his references, make sure he has a store front, an address, and a way to find him if things go bad. In this day and age a quick Google search will most likely pop up red flags if the contractor is shady.