Tier-1 Licensing Authentication
Every contractor must provide active state-level licenses. We manually cross-reference these with the Secretary of State databases to ensure "Good Standing" status.
Liability & Insurance Audit
We verify General Liability and Workers' Comp insurance coverage. A minimum of $1,000,000 in active coverage is required for American Rate Hub certification.
Communication Latency Test
Contractors must maintain a response time under 4 business hours for homeowner inquiries. Latency beyond this threshold results in immediate badge suspension.
Consumer Ethics Investigation
Our team reviews legal filings, liens, and past business bankruptcies. Only entities with clean ethical backgrounds are eligible for the Top 5% status.
Workmanship Quality Audit
Direct inspection of at least 3 completed residential projects. We verify material grades, installation standards, and client satisfaction levels through blind interviews.