All states Kentucky

1. Get the license number from the contractor

   Ask for the license number before anything else. A licensed contractor has it on the bid, the contract, the business card and often the truck. If someone says "we're licensed and insured" but can't produce a number on the spot, treat that as your first answer.

   Write down the exact business name as well as the number. In Kentucky the license may be held by a company or by an individual, and the name on your contract has to match the name on the license.

2. Search the number on the official site

   Search the number on the official site. In Kentucky that is the Kentucky Department of Housing, Buildings and Construction, Electrical Division (opens official site) license search at dhbc.ky.gov. Search by the number first; a name search can miss a business that is licensed under a different legal name.

   Kentucky splits licensing across more than one board: Kentucky Department of Housing, Buildings and Construction, Electrical Division; Kentucky Department of Housing, Buildings and Construction, Division of Plumbing; Kentucky Department of Housing, Buildings and Construction, Division of HVAC. Electrical, plumbing or HVAC work may be licensed by a different board than general construction, so make sure you are searching the right one.

3. Read the record: status, name, expiration

   Three things have to line up. The status should say active, current or valid, not expired, inactive, suspended or revoked. The name on the license should be the business or person on your contract. The expiration date should be after the day the work finishes, not just after the day you sign.

   Look for a complaints or discipline section on the record. Most Kentucky license searches show open complaints, past discipline and sometimes bond claims. One old complaint on a long-running license is normal; several recent ones are not.

4. Check that the license covers your job

   Kentucky licenses electrical, plumbing and HVAC work at the state level. A license covers one kind of work, so a roofer's license doesn't cover your electrical panel, and a specialty license doesn't cover a whole remodel. Check that the classification or license type on the record matches the job you are hiring for.

   Hiring for one trade? Kentucky may license it through a different board. See electricians in Kentucky , plumbers in Kentucky or HVAC contractors in Kentucky .

5. Check the city or county license too

   Kentucky licenses some trades statewide and leaves others to cities and counties. If the state search comes up empty for the trade you need, the license may be local. Check with the building department where the work will happen.

   Local searches we've confirmed: Louisville Metro (Jefferson County) (opens official site) (Louisville Metro Division of Construction Review); Bowling Green and Warren County (opens official site) (Bowling Green/Warren County Contractors Licensing Board). Not listed? Call the building department for your city or county.

6. Know the small-job line

   We haven't confirmed an official small-job exemption for Kentucky. Assume any job that needs a permit needs a licensed contractor.

7. Ask for proof of insurance

   We haven't confirmed a state insurance or bond requirement for Kentucky, so don't assume there is one.

   Whatever the state requires, ask for a certificate of insurance made out to you, and call the insurer on the certificate to confirm it is current. A license search tells you the contractor met the requirement when the license was issued or renewed, not that the policy is still paid.

8. Make sure the permit is pulled in the contractor's name

   Any job that needs a permit should have the permit pulled by the contractor, under the contractor's license. A contractor who asks you to pull the permit as the homeowner is usually hiding a license problem. Building permits in Kentucky (opens official site) .

9. If something goes wrong, file with the board

   If the contractor stops showing up, does work the permit doesn't cover, or the license turns out to be wrong, put it in writing to them first, stop paying, then file a complaint in Kentucky (opens official site) . Boards can suspend licenses, which gets attention a lawsuit doesn't.