Documents every builder must produce
Public liability insurance (£2m minimum, £5m for structural work). Employer's liability if they use subcontractors. Company registration number (Companies House). VAT number if billing over £90k. Two recent customer references with phone numbers, ideally from the last 12 months. No documents = no shortlist.
Trade-body accreditations worth checking in Dudley
FMB (Federation of Master Builders), TrustMark, Gas Safe (any gas work), NICEIC or NAPIT (electrics), Which? Trusted Trader. Membership alone isn't enough — verify the certificate number on the body's website.
Cross-checking the quote
Get three quotes minimum. Run the project through BuildPriceIQ's cost checker to anchor the fair market price. If a quote is more than 20% above the benchmark and the builder can't justify the line items, walk. If it's more than 15% below, walk faster — they're either inexperienced or building in variations later.
Contract & payment red flags
No written contract. Cash-only. More than 15% deposit. Demands for full payment before second-fix. Refusal to use a Stage Payment Schedule. Any of these = stop the meeting.
