What we verify, and what that actually means.
Radically plain, per our own principles: we'll tell you exactly what verification covers, and where it stops.
Before a business is ever listed
License on file
Where a category legally requires a state license, we confirm it's current before the business ever appears in search. No exceptions, no “unlicensed” toggle.
Insurance on file
A current general liability certificate is required for every business, in every category. This is the business's own coverage, confirmed by us before listing.
Monthly re-verification
License and insurance aren't checked once and forgotten. A lapse immediately pauses the business's badge and public listing until it's resolved.
What verification means, and what it doesn't
Verification means we've confirmed a business's license and insurance documentation is genuinely on file and current at the time we checked it. That's a real, meaningful bar. Most directories don't require it at all.
It is not a guarantee of workmanship, an endorsement of any specific outcome, or a warranty against mistakes or damage. The agreement for a project (its scope, price, and outcome) is between you and the business directly; HomeTrust is not a party to that agreement. If damage or a dispute occurs, the business's own liability insurance, which we've confirmed is on file, is the applicable coverage, the same way it would be if you'd found that business anywhere else. We'd rather tell you that plainly than let a badge imply something it doesn't.
Reviews tied to real work
Every review on HomeTrust is tied to a documented, completed project, not an open field anyone can post to. This doesn't make disagreements between homeowners and businesses impossible, but it means the reviews you're reading came from someone who actually hired that business, not a competitor or a purchased review.
If something doesn't look right
Report it. Every reported concern is reviewed, and businesses with lapsed credentials or a pattern of substantiated issues are removed from the platform. Reporting helps keep the directory trustworthy for everyone after you. It's part of how we keep the bar real, not a resolution service for an individual project dispute.