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How Do I Verify a Restoration Company's License and Insurance?

Last updated October 25, 2026

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The short answer

Check Your State Contractor License

Ask the pros for their contractor's license number. You can then visit your state contractor licensing board's official website. Use its license search tool and enter the number to see the license status, business name, and any past disciplinary actions. This public database provides a reliable, official record for verification purposes.

If the pros cannot provide a license number, that is a significant warning sign. Performing restoration work without a valid contractor's license is illegal in most areas. A legitimate business will readily share this information. The online check also confirms the license is active and not suspended, which helps ensure you are hiring a properly authorized pro.

Request Proof of Insurance

The standard proof of coverage is a document from their insurance provider. You ask the pros to have their provider send you the current document. It lists policy types like general liability and workers' compensation. It confirms the policy is active and shows its expiration date.

Verbal confirmation is not sufficient. The document should come directly from the insurance provider to ensure its authenticity. Review it for the policy effective dates and the amounts of coverage. Adequate coverage helps protect you if an accident on your property causes further damage or injury.

Why These Documents Matter

Verifying these documents protects you from significant financial risk. If an uninsured worker gets hurt in your home, you could be held responsible for their medical expenses. If pros without proper credentials cause more damage, you may have limited options for recourse. Checking these items is a key part of your due diligence.

These checks also help you identify more reliable operators. Pros who maintain current licenses and insurance are generally more established. They are more likely to follow industry standards and local building codes. This due diligence gives you confidence in their ability to properly restore your property after water damage.

  • Liability protection from on-site accidents.
  • Assurance of compliance with state law.
  • Financial recourse for substandard work.
  • Indicates a more stable and professional operation.
  • Adherence to local building codes.
  • Provides documentation you may need for your own records.

Common Red Flags to Avoid

Be cautious if anyone pressures you to sign a contract before showing proof of license and coverage. Another warning sign is a license number that does not pull up any record in the state database. Some may claim their documentation is "in the mail" or that you can verify it later, which are tactics to avoid scrutiny.

Also, be wary of proof of insurance documents that show very low coverage limits, which may not be adequate for a significant incident. A policy that expires shortly after your project begins is another point to note. If the business name on the license does not match the name they use with you, it warrants further checking. These inconsistencies can signal a problematic operation.

Next Steps After Verification

Once you have verified the documents, keep copies for your own records. Include the proof of coverage and the license verification details in your project file. This is especially useful if you are filing an insurance claim for the water damage. Your insurance company may ask for this information to confirm the contractor meets certain standards. Policies vary, and your insurer decides what is covered.

With a verified pro, you can focus on discussing the scope of your specific restoration needs. For specialized items like electronics or antiques, you can ask about their experience with those materials. Having a qualified pro helps ensure the work is done correctly and can support an insurance claim.

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Frequently asked questions

What if someone mentions a bond?

A bond is a separate type of financial assurance. You can ask for proof of a bond, but it does not replace liability or workers' compensation coverage. Those coverages are critical for protecting you from accidents or further damage on your property.

Can my insurance company recommend a verified pro?

Your insurer may provide a list of preferred vendors they have worked with before. You are not obligated to use them. You should still verify any pro's license and insurance, even if they come recommended, to ensure they meet your own standards.

What key coverages should the insurance show?

Look for general liability insurance and workers' compensation coverage at a minimum. General liability covers property damage they might cause. Workers' compensation covers employee injuries. The document should list policy numbers, coverage limits, and expiration dates.

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