How to spot a cowboy

Cowboy builders are very much in the minority, but they are out there, so how can you protect yourself. Treat them with suspicion if they:

• EVADE giving you references or details of previous jobs
• OFFER you a 'cheap' deal for cash-in-hand.
• SUGGEST you can avoid paying VAT for cash
• CONFUSE you with jargon and complicated explanations
• INSIST that a written contract is not necessary
• SAY they can start tomorrow (a good builder is usually busy)
• CAN'T give you costings because 'things may change'
• LAUGH when you suggest showing them plans
• GIVE you a surprisingly low quote
• CAN only be reached by mobile and don't have an address on their card
• ASSURE you the details are their problem and you don't need to worry
• KNOCK the opposition

One sure-fire way to avoid cowboys is to use the FMB's Find A Builder service, or to look for the FMB logo - the sign of building quality - on builders' vans, stationery or advertising. Click here for our useful articles on working with good builders.

Whatever you do, follow our simple guidelines for choosing and working with a good builder,

• Ask for references and talk to previous customers. A good builder will provide you with credentials and references, so try to visit previous jobs similar to your own.
• If the builder is a member of a trade association, check the membership criteria - and make sure they really are a member, rogue builders have been known to falsely claim membership.
• Get estimates from two or three different builders. Be clear about what you want done and ask for a written specification and quotation.
• Avoid adding to the job or changing your mind halfway through - it will usually cost more and cause delays. Confirm any changes you do make in writing - the FMB has a variation form for this purpose.
• Use a contract - the FMB has a Plain English contract for small building work.
• Agree any staged and final payments before work starts.
• Avoid dealing in cash.
• If any problems arise whilst work is in progress, or you are unhappy about anything, talk to your builder right away.