How to Choose a Contractor in San Francisco

Choosing the right contractor is the single most important decision in any renovation. In San Francisco — where permits are strict and homes are valuable — the stakes are high. Here's how to vet a contractor before you sign anything.

1. Verify the contractor's license

California requires contractors to be licensed by the Contractors State License Board (CSLB) for work over $500. Ask for the license number and verify it on the CSLB website. A valid license confirms the contractor has met experience and exam requirements and carries the required bond.

2. Confirm insurance

A reputable contractor carries general liability insurance and workers' compensation. Without it, you could be liable for injuries or damage that occur on your property. Ask for proof of coverage before work begins.

3. Make sure they handle SF permits

San Francisco's permit process is among the most complex in the country. A contractor who manages permitting in-house — applications, plan review, inspections — saves you from costly delays and unpermitted-work problems at resale. Ask directly how they handle SF DBI permits.

4. Review past work and references

Look at completed projects similar to yours, and read reviews on independent platforms. Ask for references from recent clients and follow up. Consistent quality and communication are what you're looking for.

5. Get a detailed, written estimate

Avoid vague quotes with large allowances. A clear, line-item estimate protects you from surprise charges and signals a contractor who plans carefully. Be wary of bids far below others — they often mean cut corners or change-order surprises later.

Work with a licensed local team

Refresh & Build is a fully licensed and insured San Francisco contractor that manages every project end-to-end, including permits. If you're planning a renovation, contact us for a free consultation and a detailed estimate.