All states Nebraska

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 Nebraska 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 Nebraska that is the Nebraska Department of Labor, Contractor Registration (opens official site) license search at dol.nebraska.gov. Search by the number first; a name search can miss a business that is licensed under a different legal name.

   Nebraska splits licensing across more than one board: Nebraska Department of Labor, Contractor Registration; Nebraska State Electrical Division. 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 Nebraska 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

   Nebraska licenses electrical 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? Nebraska may license it through a different board. See electricians in Nebraska , plumbers in Nebraska or HVAC contractors in Nebraska .

5. Check the city or county license too

   Nebraska 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: City of Omaha (opens official site) (Planning Department, Permits and Inspections); City of Lincoln (opens official site) (Planning and Development Services, Building and Safety). Not listed? Call the building department for your city or county.

6. Know the small-job line

   Nebraska lets unlicensed people do small jobs under $5,000 per year. A person who earns less than $5,000 a year for construction services is not a contractor under the Contractor Registration Act and need not register. This is an annual earnings test, not a per-job limit. Above that line, the person doing the work needs a license, and the exemption doesn't cover someone who splits a big job into small invoices.

7. Ask for proof of insurance

   Nebraska requires insurance to hold a license: Contractors with one or more employees must file a workers' compensation certificate of insurance with the Department of Labor.

   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. Permits come from the building department for your city or county.

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 Nebraska (opens official site) . Boards can suspend licenses, which gets attention a lawsuit doesn't.