TL;DR
Before you hire a Philadelphia painter, confirm they're registered with the state, carry both general liability and workers' comp, and will put the full scope in writing. A real contractor answers every question here without flinching, backs the work with a written one-year warranty, and never demands cash in full up front. Here are the ten questions, and the red flags to walk away from.
In This Article
Painting is one of the most commonly botched home improvement projects in Philadelphia, not because painting is inherently difficult, but because the barrier to entry for contractors is low and the quality range is enormous. Asking the right questions before signing a contract separates professional residential painting results from a nightmare. Here are the ten to ask every time.
1. Are You Registered and Insured?
Two separate things, and you want both. First, anyone doing home improvement work in Pennsylvania is required to register with the state as a Home Improvement Contractor, and you can look up any painter's registration yourself through the Pennsylvania Attorney General's HIC registry. It takes two minutes and it's the single fastest way to weed out an operation that isn't legitimate.
Second, a real contractor carries:
- General liability insurance, which protects you if the crew damages your property
- Workers' compensation insurance, which protects you if a worker is injured on your property. Without it, you can be held liable.
Ask for certificates of insurance directly from the insurer, not just a summary from the contractor. Call the insurer to verify coverage is current. The Painting Contractors Association is a good reference point for the professional standards a serious outfit should meet on top of the legal minimums.
2. How Do You Handle Lead Paint on Older Homes?
Any home built before 1978 may contain lead paint. If a contractor will disturb painted surfaces by sanding, scraping, or demolition, federal law under the EPA Renovation, Repair, and Painting rule requires the work to go through RRP-certified channels. Ask how they handle it. Some contractors carry the certification themselves, and others partner with certified lead-abatement specialists for the disturbance stage. Either answer works. What you don't want is a contractor who's never heard of the rule. On a pre-1978 Philadelphia rowhouse, that's the red flag.
3. What's Included in Your Surface Preparation?
Paint prep is where most contractors cut corners. A proper prep process includes:
- Cleaning all surfaces
- Scraping and sanding failing paint
- Patching holes and cracks
- Caulking gaps at trim and windows
- Priming bare surfaces
Get the prep scope in writing. If a contractor doesn't mention prep, their results will show it.
4. What Paints and Products Do You Use?
Professional painters specify the products they use. Ask for the brand, product line, and sheen. You're listening for a specific answer, a major manufacturer's top line, not a shrug or whatever's on sale. Budget paint applied by a skilled crew still fails early.
5. How Many Coats Are Included?
Two coats of finish over properly primed surfaces is the professional standard. One coat over old paint is a shortcut. Make sure the quote specifies the number of coats on every surface.
6. Who Will Actually Do the Work?
Some painting companies are primarily sales organizations that subcontract all actual painting. This isn't inherently bad, but you should know. Ask if the crew that shows up will be company employees or subcontractors, and whether the person you're dealing with will be on-site during the project.
7. Do You Have References From Similar Projects?
Ask for references from projects similar to yours, whether that's an exterior rowhouse, an interior condo, or a commercial office. Call the references. Ask specifically about schedule adherence, cleanliness, communication, and whether they'd hire the contractor again.
8. What's Your Payment Schedule?
Legitimate painting contractors typically ask for a deposit of 10–30% to schedule the work, with the balance due on completion. Be wary of contractors who demand more than 50% upfront or who ask for full payment before the job is complete. Never pay cash in full before work begins.
9. What Does Your Warranty Cover?
Established painting companies put a written warranty on their labor. A written one-year warranty on labor and adhesion is a reasonable, honest standard, and it's what we stand behind. Be skeptical of anyone promising a decade of coverage, because a warranty is only as good as the company still being around to honor it. Ask what it covers, like peeling and adhesion failure, and what voids it, like customer-supplied paint or pre-existing moisture issues. Get it in writing.
10. How Will You Protect My Property?
Drop cloths on floors, plastic over furniture, careful masking around trim and fixtures. Ask how the crew protects your home during the project. A contractor who can't answer this question clearly hasn't thought about it seriously.
Red Flags to Walk Away From
Some answers should end the conversation on the spot, whether you're hiring for an interior repaint, an exterior job, or a cabinet refinish:
- No state registration or a painter who gets cagey when you mention the HIC registry
- Cash only, or a large payment demanded up front. Legitimate contractors take a modest deposit and the balance on completion. Full payment before work begins is how people get burned.
- No written estimate, just a number scribbled on a business card with no scope, no surfaces listed, no prep spelled out
- A price far below every other bid. That gap is almost always coming out of the prep, the paint, or the insurance you're counting on.
- No proof of insurance, or a summary sheet they won't let you verify with the insurer
- Vague or missing lead-paint answers on a pre-1978 home
None of these are subtle once you know to look for them. A professional welcomes every one of these questions, because answering them well is exactly what sets a real contractor apart from a guy with a ladder.
Color House Painters answers every one of these in writing. Call us at (215) 715-4647 for a free estimate and consultation.
Color House Painters
Residential and commercial painters working across Philadelphia since 2015. Licensed and insured, from Center City condos to Chestnut Hill Victorians.
Call Now