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Be aware of
The New York Department of State’s Division of Consumer Protection said that home improvement scams have consistently ranked among New Yorkers’ top five consumer complaints, and homeowners need to be vigilant to avoid getting taken.

“Imagine having work done on your house only to find out the 'improvements' actually made the problems worse because of shoddy work or someone ran off with your money without finishing the job," Secretary of State Robert J. Rodriguez said in a Tuesday news release. "Before agreeing to home improvement projects, I urge you to learn how to avoid costly mistakes with tips from our Consumer Protection Division.”

The agency offers the following list of tips to avoid common home improvement scams:

Shop around: Get at least three estimates that include detailed information about materials, services to be provided and a projected timeline.

Know who you hire: Ask friends and neighbors to recommend contractors they have worked with. Check the references provided by the contractors. Look into local home builder associations that may recommend reputable contractors and provide support if there is a dispute.

Check your local government licensing requirements: New York state does not license home improvement contractors, but some counties and local municipalities do. Look into what is required in your area and be sure the contractor has proper licensure and has insurance.

Get it in writing and be sure the contract includes:

• The contractors’ name, address, and phone number

• Estimated timeline with start and finish date

• Detailed description of the work to be completed

• Detailed pricing that includes a list of supplies and labor costs

The Division of Consumer Protection said that scammers will knock doors suggesting improvements like new windows or the latest solar panels. Some may claim to be in the area and to have materials left over from a previous job.

Scammers will pressure you for an immediate decision. They will recommend a lender they know to help pay for the job. Don’t finance through your contractor.

Know your rights: You have three days to cancel after signing a contract for home improvements. All cancellations must be in writing.

Never pay full price up front: Establish a payment schedule tied to completing specific jobs. Don’t pay with cash or wire transfer. Withhold final payment until the entire project is completed to your satisfaction.

Running into a problem? First, speak with the contractor and try to reach a resolution. If a resolution is not possible, file a complaint with your local consumer protection agency or the state Division of Consumer Protection.

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(1) dry cough + sneeze = air pollution

(2) cough + mucus + sneeze + runny nose = common cold

(3) Cough + mucus + sneeze + runny nose + body ache + weakness + light fever = flu

(4) Dry cough + sneeze + body pain + weakness + high fever + difficulty breathing = coronavirus

Pathology department AIIMS, Delhi

Safe and Beware off

(1) dry cough + sneeze = air pollution

(2) cough + mucus + sneeze + runny nose = common cold

(3) Cough + mucus + sneeze + runny nose + body ache + weakness + light fever = flu

(4) Dry cough + sneeze + body pain + weakness + high fever + difficulty breathing = coronavirus

Pathology department AIIMS, Delhi

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