At first, it sounds like a great deal: a contractor offers to build your construction project for half of what others charge. But when the work is done you discover faulty construction, mediocre materials, and shoddy workmanship. You discover that you're responsible for fixing them, and your contractor is nowhere to be found. Then, too late, you discover why: you hired an unlicensed contractor.

Hiring an unlicensed contractor can bring your project far more risks than savings. You can be held liable for on-the-job injuries, taxes or insurance. You can be held responsible for complying with city and county codes, or correcting problems with workmanship and warranties. You can even be held liable for an unlicensed contractor's illegal acts.

How can you protect yourself? Hire a contractor who's on the level: a licensed contractor. Licensed contractors are subject to laws designed to protect both you and your investment against empty promises and careless construction.

Most contractors are competent, honest, hard-working, financially responsible, and licensed. This guide is designed to help you hire and work with them. If you have any questions, contact your nearest Contractors State License Board office. And remember: if an offer sounds too good to be true, it probably is.