Is this registration number in the right format?
Enter an HDB DRC registration number to check its format (e.g. HB-01-0014E):
Note: This only checks the format of an HDB DRC number. It does not confirm the contractor is registered — always look the number up in HDB's official list.
For an HDB flat, the key check is simple: the Housing & Development (Renovation Control) Rules (in force since 2006) require you to engage only contractors from HDB's Directory of Renovation Contractors. This guide shows how to check that, plus the other licences and payment safeguards that protect your deposit.
Renovation complaints: the official numbers
- • 787 complaints against renovation contractors received by CASE in 2025 (962 in 2024)
- • $190,667 in renovation prepayment losses reported in 2025
- • In 2024, about 97% of renovation complaints were against non-CaseTrust contractors
Sources: CASE (Feb 2026), CNA (Feb 2025)
How do I verify a contractor, step by step?
Request License Number
Ask the contractor for their HDB DRC registration number (and the LEW / Licensed Plumber who will do electrical and plumbing work)
Check Online Database
Look the number up in HDB's Directory of Renovation Contractors (published on data.gov.sg) and check it is current
Verify Company Registration
Check ACRA business profile
Check Insurance
Ask for proof of insurance and check whether the business is CaseTrust-accredited
Review Past Works
Ask for portfolio and references
Get Written Contract
Ensure all details in writing
Which licences and registrations matter?
| License Type | Format | Scope | Verify At |
|---|---|---|---|
| HDB Directory of Renovation Contractors (DRC) | HB-NN-NNNNA (e.g. HB-01-0014E) | Required for renovation works in HDB flats | HDB |
| BCA Licensed Builder / Registered Contractor | Shown in the BCA Directory | Building works; check the class and limits on BCA's site | BCA |
| Licensed Electrical Worker (LEW) | Licence card with photo and number | Wiring, power points, circuit breakers | EMA |
| PUB Licensed Plumber | Name / licence number | Regulated water-service and sanitary plumbing works | PUB |
Important: For HDB flats, the contractor must be in HDB's Directory of Renovation Contractors. A BCA licence alone is not enough for renovation works in an HDB flat.
What red flags should I watch for?
What do common renovation scams look like?
Illustrative examples of patterns consumer agencies warn about — not reports of specific cases.
Case 1: The Disappearing Contractor
A homeowner pays most of the contract sum upfront. The contractor starts hacking, then stops responding, leaving an unfinished flat.
Case 2: The Bait and Switch
A couple signs a low quote. Midway, the contractor claims "unforeseen issues" and demands a large top-up before continuing.
Case 3: The Unregistered Contractor
A homeowner is shown a registration certificate but never checks it. The contractor turns out not to be on HDB's Directory of Renovation Contractors, and the works can't proceed.
What must the contract include?
A proper contract protects both parties. Ensure these 12 items are included:
Choose a CaseTrust-accredited contractor. They must cap the initial deposit at 20%, protect deposits with a performance bond, use the CaseTrust standard renovation contract with progressive payments, and give a 12-month workmanship warranty (CaseTrust).
What insurance should I ask about?
Ask the contractor for proof of:
1. Public Liability Insurance
Covers damage to your flat, neighbours' property or common areas, and injury to third parties. Ask for the policy and check the coverage amount and dates.
2. Work Injury Compensation
Covers the contractor's workers if they are injured on the job. Ask the contractor to confirm their workers are covered.
3. Deposit protection
CaseTrust-accredited renovation businesses must buy a deposit performance bond that protects your deposit if the business closes.
Always request insurance certificates before signing contract. Verify with insurance company if needed.
What is a 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 can I do 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
Lodge a complaint with CASE (Consumers Association of Singapore), which can negotiate or mediate with the business. Mediation is voluntary and by invitation, but a CaseTrust-accredited business must attend if you request it. The claimant fee (incl. GST) for claims below $5,000 is $16.35 for CASE members or $38.15 for non-members, rising with the claim amount (CASE).
Visit CASE WebsiteStep 3: Small Claims Tribunal
The Small Claims Tribunals hear claims up to $20,000 (or $30,000 if both parties sign a Memorandum of Consent), including renovation contracts, filed within 2 years. Filing fees for individuals are $10 for claims up to $5,000, $20 up to $10,000 and 1% of the claim above that; consultations and hearings are free, and lawyers can't represent parties (Singapore Courts).
Learn About SCTStep 4: Police Report
For fraud or criminal breach of trust. File report immediately if contractor disappears with deposit.
Where are the official lookup links?
Frequently asked questions
How do I verify an HDB renovation contractor?
Ask for the company's HDB Directory of Renovation Contractors (DRC) registration number and look it up in the official DRC list on data.gov.sg. Then check its ACRA business registration, whether it is CaseTrust-accredited, and that electrical and plumbing work will be done by an EMA Licensed Electrical Worker and a PUB Licensed Plumber.
Source: HDB via data.gov.sg — Directory of Renovation Contractors (dataset)
What if a contractor says their registration is "being renewed"?
Treat it as a warning sign. Ask for the registration number and check its status in HDB's DRC list yourself; don't pay a deposit until you can confirm it.
Source: HDB via data.gov.sg — Directory of Renovation Contractors (dataset)
Can I hire a contractor with only a BCA licence for an HDB flat?
No. The Housing and Development (Renovation Control) Rules (in force since 2006) require HDB flat owners to engage a renovation contractor registered by HDB, i.e. listed in HDB's Directory of Renovation Contractors. A BCA registration alone is not enough.
Source: Singapore Statutes Online (AGC) — Housing and Development (Renovation Control) Rules, rules 3–4
What is the penalty for using a contractor not registered with HDB?
Engaging a contractor not registered by HDB, or doing works that need a permit without one, is an offence under the Renovation Control Rules, with a fine of up to $5,000 on conviction. HDB can also order you to remove unauthorised works and reinstate the flat, and recover its costs if you do not.
Source: Singapore Statutes Online (AGC) — Housing and Development (Renovation Control) Rules, rules 3–4
How do I check if a contractor has complaints?
Check whether the business is CaseTrust-accredited (accredited businesses must attend CASE mediation if you request it), read independent reviews, search forums, and ask for recent references you can call.
Source: Consumers Association of Singapore (CASE) — Mediation
Should I pay a contractor in cash or by bank transfer?
Use traceable payment methods such as bank transfer, PayNow to the business account or cheque, keep all receipts, and avoid cash.
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.