Planning a remodel at the start of the year is exciting, but choosing the right contractor matters just as much as the design. Texas homeowners often assume licenses and permits are handled automatically. That assumption can lead to costly mistakes.
This guide answers a common question. Where do you check licenses, insurance, and permits in Texas before you hire? We will cover the right state databases, city permit tips, insurance considerations, and common red flags to watch for in 2026.
Where do I check a contractor’s license in Texas?
Texas does not have one universal contractor license. Licensing depends on the trade, which means you need to verify credentials through the correct state agency.
For electrical contractors, HVAC technicians, and many specialty trades, licenses are issued through the Texas Department of Licensing and Regulation. Homeowners can search the TDLR license database at https://www.tdlr.texas.gov/ to confirm license status, expiration dates, and any enforcement history.
Plumbers are licensed separately through the Texas State Board of Plumbing Examiners. The TSBPE license lookup at https://tsbpe.texas.gov/ allows homeowners to verify active plumbing licenses and review disciplinary records when applicable.
Some general remodeling or handyman services may not require a state license. Even in those cases, permits, insurance, and trade specific credentials still apply depending on the scope of work.
What insurance and credentials should I confirm?
Licenses show qualification. Insurance protects you financially.
Ask for proof of general liability insurance and confirm that the policy is current. Workers’ compensation coverage is also important, even when not strictly required for every contractor in Texas. Without it, homeowners can sometimes be exposed if a worker is injured on their property.
Many homeowners insurance companies also verify contractor licensing and insurance during claim reviews or major repairs. If work is performed by an unlicensed or uninsured contractor, coverage issues can arise later. Verifying credentials upfront helps protect both your home and your insurance coverage.
Always confirm that the business name on licenses and insurance documents matches the name on the contract. Inconsistencies are a reason to pause and ask questions.
How permits work in Texas cities
Most Texas cities require permits for electrical, plumbing, structural, and major remodeling work. In Austin and nearby communities, permits are typically issued through the city and are tied to the licensed professional performing the work.
Before work begins, ask which permits are required and who will pull them. In most cases, the contractor should handle permits in their own name. Many cities allow homeowners to verify permit status through an online portal.
Permits are not just paperwork. They trigger inspections that help confirm the work meets safety and building codes. If a contractor suggests skipping permits to save time or money, that is a serious red flag.
Common red flags to watch for
These warning signs often show up early in the conversation. Use this short checklist when comparing contractors.
- No license number provided for licensed trades
- Requests for full payment upfront or cash only
- Refusal to pull permits or asking the homeowner to do it
- Insurance documents that are expired or do not match the business name
- Pressure to decide quickly or avoidance of basic questions
Keeping a simple checklist during project planning can help you stay objective and organized.
When to pause and get professional guidance
If something does not add up, slow down. Reputable contractors are transparent about licensing, permits, and inspections and will explain the process clearly.
For projects involving multiple trades, credential verification becomes even more important. Electrical, plumbing, and structural work should always be completed or supervised by properly licensed professionals under Texas and local code requirements.
Taking time to verify details now can prevent safety issues, delays, and resale problems later.
Final thoughts
Verifying a contractor’s license, insurance, and permits in Texas is one of the smartest steps you can take before starting a remodel. It protects your home, supports your insurance coverage, and helps ensure the work meets code.
If you want help verifying credentials or understanding permit requirements for your project, A Team Home Services can help guide you before work begins.