If you are considering hiring a home builder, here's something you want to know.

Ask the proposed home buyer what kind of insurance he carries. You want to make sure he not only has your home fully insured, but you want to make sure that he is carrying workman's compensation on all employees who work on the house. And that applies to his subcontractors as well. Make sure they all carry adequate insurance from a rated company, otherwise, you might end up holding the bag.

Before deciding on a home builder for your next home, compare different builders, ask for references, and inform yourself about good home building practices.

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