License Format Checker
Enter a license number to check if it matches valid HDB/BCA formats:
Note: This only checks format. Always verify on official government websites.
With renovation scams costing Singaporeans over $2.8 million in 2024, verifying your contractor's license is no longer optional—it's essential. This comprehensive guide shows you exactly how to verify licenses, spot scams, and protect your renovation investment.
2024 Scam Statistics
- • 312 reported renovation scam cases
- • Average loss: $8,974 per victim
- • 67% involved unlicensed contractors
- • 89% demanded large upfront payments
Step-by-Step Verification Process
Request License Number
Ask contractor for their HDB/BCA license number
Check Online Database
Verify on official HDB or BCA website
Verify Company Registration
Check ACRA business profile
Check Insurance
Request insurance certificate copy
Review Past Works
Ask for portfolio and references
Get Written Contract
Ensure all details in writing
Understanding License Types
| License Type | Format | Scope | Verify At |
|---|---|---|---|
| HDB Registered Renovator | HB-XX-XXXXX | All HDB renovation works | HDB |
| BCA General Builder Class 1 | GB1-XXXXXXX | Unlimited contract value | BCA |
| BCA General Builder Class 2 | GB2-XXXXXXX | Up to $6 million projects | BCA |
| Specialist Trade License | Various formats | Specific trades only | BCA/SPF/SCDF |
Important: For HDB flats, contractors must have HDB registration. BCA license alone is not sufficient for HDB renovation works.
20 Red Flags to Watch For
Real Scam Cases (Anonymized)
Case 1: The Disappearing Contractor
Tampines resident paid $15,000 upfront (70% deposit) for 4-room HDB renovation. Contractor started work, demolished kitchen, then disappeared after 3 days.
Case 2: The Bait and Switch
Jurong couple signed $25,000 contract. Contractor later claimed "unforeseen issues" and demanded additional $18,000 midway through renovation.
Case 3: The Fake License
Sengkang homeowner was shown expired HDB license. Lost $8,000 deposit when contractor abandoned project after HDB stop-work order.
Contract Must-Haves Checklist
A proper contract protects both parties. Ensure these 12 items are included:
Use CASE Trust or SKK Credit for payment protection. These services hold your payment and only release to contractor upon your approval of completed milestones.
Insurance Requirements
Contractors Must Have:
1. Public Liability Insurance
Minimum $1 million coverage for property damage and personal injury. Protects you if workers damage common property or injure someone.
2. Work Injury Compensation
Mandatory for all workers. Covers medical expenses and compensation if workers are injured on your property.
3. Performance Bond (Optional)
For projects above $50,000, consider requiring a performance bond equal to 5-10% of contract value.
Always request insurance certificates before signing contract. Verify with insurance company if needed.
Safe Payment Schedule
Never pay everything upfront. Follow this recommended payment schedule:
Initial deposit
After materials on site
Based on milestones
After handover & rectifications
What If Things Go Wrong?
Step 1: Direct Negotiation
Document issues with photos. Send written notice to contractor. Give reasonable timeline for rectification (usually 7-14 days).
Step 2: CASE Mediation
File complaint with CASE (Consumers Association of Singapore). Mediation fee: $250-$500. Success rate: 70%.
Visit CASE WebsiteStep 3: Small Claims Tribunal
For claims up to $20,000 (or $30,000 with agreement). Filing fee: $10-$50. No lawyers needed.
Learn About SCTStep 4: Police Report
For fraud or criminal breach of trust. File report immediately if contractor disappears with deposit.
Quick Reference Links
Frequently Asked Questions
What if contractor claims license is "being renewed"?
Red flag. License renewal doesn't prevent online verification. Valid licenses remain searchable even during renewal. Do not proceed without verification.
Can I hire a contractor with only BCA license for HDB flat?
No. HDB requires contractors to be HDB-registered for any renovation works in HDB flats. BCA license alone is insufficient.
What's the penalty for using unlicensed contractors?
Homeowners can be fined up to $5,000. HDB may also require you to rectify or undo unauthorized works at your own cost.
How do I check if contractor has complaints?
Check CASE database, Google reviews, Facebook groups like "Singapore Home Renovation" and "HDB Renovation Singapore". Ask for recent references.
Should I pay cash or bank transfer?
Always use traceable payment methods (bank transfer, PayNow to business account, cheque). Keep all receipts. Avoid cash payments over $1,000.
Remember: Trust But Verify
5 minutes of verification can save you from months of stress and thousands in losses. Never skip license verification, no matter how trustworthy the contractor appears.