How to Actually Verify a Contractor Is Licensed

Don't just take their word for it — here's how to check for real.

Check your state licensing board directly

Nearly every state has an online contractor license lookup tool — use this instead of relying solely on what the contractor tells you or shows you.

Confirm insurance independently

Ask for a certificate of insurance and consider calling the insurer directly to confirm coverage is active and adequate for your project size.

Ask for and actually check references

Request references from projects similar in scope to yours, and actually call them rather than just collecting the list.

Understand what licensing does and doesn't guarantee

A valid license confirms baseline qualifications and legal standing to perform the work, but doesn't guarantee quality or fit for your specific project — references and portfolio review still matter.

Red flags worth taking seriously

Reluctance to provide license information, insisting on full payment upfront, or pressure to sign immediately are all worth treating as serious warning signs.