Never Hire a Contractor Who is Going Door to Door

Even if these contractors (roofer, driveway paver or chimney sweep) aren't scam artists, they may lack licensing and insurance. If a worker gets hurt on your property it could wind up costing a lot more than you bargained for.

Instead, get contractor recommendations from friends, neighbors or relatives. Check references and get documentation of insurance coverage.

And don't put more than 10 % down for the job. Mete out the payments gradually as work is done and withhold the final 25 % until you're satisfied with the completed project.