t to advertise that you live alone, particularly women and senior citizens; have a relative, a friend or any adult male acquaintance present. Before they arrive, make certain you secure all of your valuables, including paperwork that could facilitate identity theft. After they leave, check all of your doors and windows to make sure they're still locked so no one can return later and gain easy access. "We're not saying all contractors are dishonest -- the majority of them are just the opposite. It's just that some dishonest people pretend to be contractors," says Howard. 3. Check with the Better Business Bureau. Check out potential contractors not only by checking your local BBB, but also the BBBs in surrounding states. This is particularly important following large-scale natural disasters, when itinerant work crews often move into an area. 4. Verify contractors' licenses. Separate the legitimate contractors from the phonies by checking their contractors' licenses and local operating permits. "Verify them through the secretary of state's office in whatever state they're licensed to do business," says Cullins. You should also check with authorities to make sure they've complied with local laws. 5. Check contractor coverage. Make sure the contractor has proper coverage, such as surety bonds, performance bonds and workers' compensation. Howard recommends turning to your insurance agent for help. "Wrestling with all those details on top of the devastation is a lot; your insurance agent will decipher his coverage for you," Howard says. 6. Ask your insurance agent. Another question for your insurance agent: What happens if supplies or equipment are stolen from the job site? Will the contractor's insurance cover such thefts? If so, make sure you not only obtain the contractor's insurance information, but also check to make sure his insurance is in full force and currently in effect. 7. Need supplies? Speaking of supplies, Howard and Cullins say in an ideal situation, the contractor should buy the supplies. But if you do purchase them, don't give the contractor your money. Instead, meet the contractor at the supply store and make the purchase, then have it delivered to the site the day the materials are needed. 8. Deal with your own insurance company yourself. "If a contractor asks for your insurance information and says they'll deal with the company for you, that's a scam," says Cullins. He says some will tell you they can negotiate more money from the insurer, but it's really a way to bilk you. Don't give insurance information or proceeds to your contractor. 9. Hire an inspector. If you don't know a joist from a