A burst pipe or a failed water heater doesn’t leave much time for research, but hiring the wrong plumber can cost you thousands more than the original repair. Every state requires plumbers to hold a license for work beyond basic fixture swaps, yet unlicensed contractors still operate openly, especially during storm season or after a hard freeze when demand spikes. Knowing exactly what to check, and in what order, keeps you from becoming a cautionary story.
Verify the license through your state’s database, not the plumber’s word
Every plumber should be able to give you a license number on request. Don’t stop there. Most states, including California, Texas, Florida, and New York, maintain free online databases where you can search that number and confirm it’s active, matches the business name, and hasn’t been suspended for violations. This takes under five minutes.
Look specifically for:
- License status (active, expired, suspended, revoked)
- License class (some states separate “journeyman” from “master plumber,” and only master plumbers can pull certain permits)
- Any disciplinary actions or complaint history listed on the record
- Expiration date, since a license expiring in three weeks with no renewal on file is a warning sign
If a state doesn’t have an online lookup, call the licensing board directly. A legitimate plumber won’t be annoyed by this step. Someone who gets defensive or stalls when you ask for a license number has already told you what you need to know.
Confirm insurance and bonding with actual documents
A license proves competency. Insurance protects you financially if something goes wrong. Ask for a certificate of insurance showing general liability coverage, ideally at least $500,000, and workers’ compensation if the company has employees. Without workers’ comp, an injury on your property during the job could become your liability, not theirs.
Request that the certificate be sent directly from the insurance provider or ask to see a copy with the policy number and expiration date visible. A photo of a certificate on a phone screen with the numbers blurred out is not verification. Many states also require plumbers to carry a surety bond, typically between $5,000 and $25,000 depending on the jurisdiction, which gives you a path to recover money if the contractor abandons a job or does substandard work.
Read reviews for patterns, not star ratings
A 4.8-star average tells you almost nothing on its own. What matters is what the reviews actually describe. Read at least 15 to 20 of them, sorted by most recent first, and look for consistency around three things: whether the plumber showed up when scheduled, whether the final price matched the estimate, and how the company handled a mistake if one happened.
Check more than one platform. A contractor with 200 reviews on one site and none anywhere else may have purchased reviews. Cross-reference the business name with your state’s consumer protection agency or the Better Business Bureau to see if there are unresolved complaints. A single bad review from years ago isn’t disqualifying. A cluster of recent complaints about no-shows or unfinished work is.
Get a written, itemized estimate before work starts
Verbal estimates protect nobody. Ask for a written quote that breaks down labor, materials, permit fees if applicable, and the estimated timeline. For anything beyond a simple repair, such as repiping a bathroom or replacing a sewer line, get at least two estimates so you have a basis for comparison.
Ask these questions directly before agreeing to anything:
- Is this a flat rate or hourly, and what’s the hourly rate if the job runs long?
- Will you pull a permit for this work, and who is responsible for scheduling the inspection?
- What warranty covers the labor, and separately, what warranty covers the parts?
- Who is actually going to be on site, the licensed plumber or an unsupervised apprentice?
A permit matters more than most homeowners realize. Unpermitted plumbing work can create problems when you sell the house, since inspectors and buyers’ agents often check permit history for major systems. It can also void your homeowner’s insurance claim if that work later causes water damage.
Notice how the plumber behaves before the job even begins
The first phone call or visit tells you a lot. A plumber who gives you a firm price over the phone without seeing the problem, for anything beyond a simple clog, is either guessing or planning to raise the price once they’re inside your house. Be cautious of anyone who pressures you to sign a contract on the spot, demands full payment upfront, or only accepts cash with no receipt.
Legitimate plumbers typically ask for a deposit of 10 to 30 percent for larger jobs, with the balance due on completion. They show up in a vehicle with the company name on it, wear identifiable uniforms or badges, and don’t hesitate when you ask for references from jobs completed in the last six months. Call at least one of those references and ask specifically whether the final price matched the quote.
Before you hire anyone, spend fifteen minutes on your state licensing board’s website, pull the license status yourself, and request the insurance certificate in writing. That single habit eliminates most of the bad actors before they ever step through your door.
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