Direct Answer
To hire a reliable fire damage restoration contractor in Louisville: (1) Get 3 written quotes with line-item breakdowns, (2) Verify KY license at Kentucky Department of Housing (dhbc.ky.gov), (3) Confirm active general liability and workers' comp insurance, (4) Check Google and BBB reviews specific to Louisville projects, (5) Never pay more than 10-30% upfront — never pay in full before completion.
Full Explanation
Red flags specific to Louisville contractors: no physical Louisville-area address, pressure to start immediately, cash-only payment demands, and license numbers that don't verify at Kentucky Department of Housing (dhbc.ky.gov). Seasonal demand during summer brings out less reputable contractors.
Local Factors in Louisville
📍Verify license: Kentucky Department of Housing (dhbc.ky.gov)
📍File complaints: Kentucky Department of Housing (dhbc.ky.gov)
📍Homeowner protections under KY consumer protection law
📍BBB Greater Louisville chapter for complaints history