What must a contractor provide to a homeowner if requested?

When a homeowner requests specific documentation from a contractor, the most critical requirement is proof of insurance and surety bonds. This documentation is essential because it protects both parties involved in the contract. Insurance ensures that the homeowner is covered for any damages or liabilities that might arise during the construction process, while surety bonds serve as a guarantee that the contractor will complete the work as agreed. If the contractor fails to fulfill contractual obligations, the surety bond provides financial protection to the homeowner. This is particularly important in the construction industry, where uncertainties can arise and compliance with regulations is crucial.

Providing a detailed project plan, a list of previous clients, or access to business financial records may be useful for homeowners, but these are not mandated by law or industry standards in the same way that proof of insurance and surety bonds are. Thus, having the necessary insurance and bonding in place is an integral part of ensuring a safe and reliable contractual relationship between the contractor and the homeowner.