Northeast Ohio · 100% Homeowner-Side · Independent

Before You Sign That
Contractor Quote — Stop.

Get an independent review from someone who spent 15 years writing quotes like the one in your hand — and 16 years managing risk for clients across the U.S.

Most homeowners make one or two of these decisions in a lifetime. Contractors make them every week. That's the gap this service closes.

Get your Green / Yellow / Red Light report
See Pricing
Secure submission. Reviewed personally by Chad. From $79.
20+
Years Experience
48hr
Standard Turnaround
From $79
Per Review
Northeast Ohio home
Every review personally by Chad — not an algorithm
20+ years combined experience
Active Ohio Major Lines License · NPN 16145513
100% independent — no contractor ties, ever
Serving Northeast Ohio homeowners — Greater Cleveland & surrounding areas
How It Works

Three steps. No calls required.

Upload your quote and Chad handles the rest. Your report arrives in your inbox — plain English, clear verdict, ready to act on.

1

Upload Your Quote

Submit your contractor quote — PDF, photo, or screenshot. Choose your review tier. Add Rush if the contractor is pressuring you to sign today.

2

Chad Reviews It Personally

Not a form. Not an algorithm. Chad reads every quote himself — line items, scope gaps, warranty language, contract terms, contractor reputation.

The same person. Every single review.
3

Your Report in Your Inbox

Green, Yellow, or Red. A written section-by-section breakdown. Specific questions to ask your contractor before you sign. Delivered within your chosen timeframe.

48-hr standard · 24-hr Rush available
What Gets Reviewed

9 things most homeowners never think to check.

A contractor quote isn't just a price — it's a legal document. These are the specific areas Chad reviews in every submission, and where the real risk usually hides.

Scope Completeness

Is the job fully defined? Vague scope language is the number-one source of contractor disputes and surprise charges after work begins.

Material Specification

Exact brands, grades, and product lines listed? "Standard shingles" can mean very different things on paper versus on your actual roof.

Cleanup & Property Protection

Who protects your landscaping, driveway, and property during the job — and who is responsible for cleanup when it is done?

Permit Language

Who pulls the permit, and who is exposed if they don't? Unpermitted work can affect your insurance coverage and your home's resale value.

Warranty Clarity

Verbal warranties mean nothing after the truck leaves. Chad verifies that coverage is written, specific, and actually enforceable.

Financing Red Flags

If you are financing, Chad reviews the rate, terms, and lender relationship. Contractor-arranged financing often costs more than it appears.

Exclusions & Vague Terms

Broad exclusion clauses and "unforeseen conditions" language can shift significant costs onto you after work begins. These get flagged every time.

Contractor Reputation

License status, BBB complaint history, years in business, and online review patterns — researched and summarized in every report.

Overall Risk Assessment

The final section of every report: Chad's plain-English verdict on the full risk picture — Green, Yellow, or Red — with the specific reasoning behind it.

48-hr standard turnaround  ·  24-hr Rush available  ·  Reviewed personally by Chad

Services & Pricing

Choose the review that fits your situation.

Every report is written by Chad personally and delivered to your email. No hidden fees. No phone calls required to get started.

Essential
Best for: one quote, fast second opinion

Independent Quote Review

A clear verdict on your contractor quote. Pricing, scope, materials, and contract terms reviewed and explained in plain English.

$79
48-hr turnaround · Email delivery
  • Green / Yellow / Red verdict
  • Line-by-line pricing review
  • Plain-English written summary
  • Follow-up Q&A by email with Chad
Upload Your Quote
Most Popular
Complete
Best for: most homeowners before signing

Detailed Risk & Scope Analysis

Everything in Essential — plus a section-by-section breakdown, specific questions to ask your contractor, and market pricing context for your project type and area.

$149
48-hr turnaround · Email delivery
  • Everything in Essential Review
  • Section-by-section written breakdown
  • Questions to ask before you sign
  • Market pricing context for your area
  • Contractor reputation snapshot
Upload Your Quote
Premium
Best for: large projects, multiple quotes, or any Yellow/Red finding

Full Review + Negotiation Letter

The most comprehensive option. Everything in Complete — plus a professional written summary you can share with your contractor to open a conversation about pricing or scope.

$229
48-hr turnaround · Email delivery
  • Everything in Complete Review
  • Professional negotiation letter
  • Recommended counter-offer language
  • Ideal after a Yellow or Red verdict
Upload Your Quote

⚡ Add Rush — results in 24 hours

Contractor giving you a deadline? Rush any tier and have your full report by tomorrow.

+ $75

The Clarity Guarantee

If you read your report and still don't have a confident understanding of where your quote stands, reply to Chad's email. He'll personally follow up until you do — no extra charge, no runaround. We stand behind every review we deliver.

What You Actually Get

A real report. Plain English. Ready to act on.

Your review isn't a generic checklist. It's a written assessment of your specific quote — with a Green, Yellow, or Red verdict and a section-by-section breakdown of exactly what Chad found.

Delivered to your email. No portal login. No jargon. Shareable — forward it to a spouse, family member, or directly to your contractor if needed.

The mock report below reflects the format and depth of a Complete Review.

Upload Your Quote See Pricing →
North Coast Home Advocate
Complete Review
🟡 Yellow Light — Proceed with Caution
3 items need your attention before signing
Overall Pricing
Within expected range for scope and materials
Green
Scope of Work
Decking replacement not specified — confirm before signing
Yellow
Warranty Language
Workmanship warranty is verbal only — get it in writing
Yellow
Contractor Reputation
Licensed · No BBB complaints · 8 years in business
Green
Payment Terms
50% upfront deposit — above typical; worth negotiating
Yellow
Questions to ask before you sign
  • Does the scope include full decking inspection and replacement if needed?
  • Can you provide a written workmanship warranty — not just a verbal one?
  • Would you accept 33% down / 33% at start / 33% on completion?
Delivered to your inbox · Reply anytime with questions Chad Fletterich, NCHA
Your Verdict, Explained

The Green / Yellow / Red Light System

Every report ends with a clear verdict. No jargon. Actionable the same day you receive it.

🟢
Green Light

You're Good to Go

Your quote is fairly priced, clearly scoped, and in line with expectations. Sign with confidence — your report tells you exactly why, in writing.

🟡
Yellow Light

Proceed with Caution

There are items worth questioning before you commit. Your report flags each one and gives you the exact language to use with your contractor.

🔴
Red Light

Stop Before You Sign

Something significant needs your attention. Your report details exactly what was found — so you can make an informed decision, not a pressured one.

Chad Fletterich — North Coast Home Advocate
Chad Fletterich
North Coast Home Advocate
Ohio Major Lines License · NPN: 16145513
Why Trust Chad Fletterich

An insider perspective you can't get from a search engine.

"I spent years on the other side of that table — writing quotes, running presentations, and closing contracts. I know how these numbers are built. Now I make sure you do too, before you sign."

Chad brings a genuinely rare combination: 20+ years of combined home improvement and risk advisory experience — thousands of in-home presentations and contract signings across roofing, siding, windows, gutters, and gutter protection — plus years as a licensed insurance professional managing risk for clients across the U.S.

He is not here to beat up your contractor. Many contractors do honest, excellent work. He is here to make sure you have the same information the contractor already has — before you sign anything.

He doesn't look at your quote as paperwork. He looks at scope risk, pricing risk, reputation risk, and contract risk. That's the difference between a second opinion and a risk review.

20+ Years in Home Improvement & Risk
16 Years · Licensed Risk Management
Active Ohio Major Lines License · NPN 16145513
100% Independent — Zero Contractor Affiliations
Roofing · Siding · Windows · Gutters · Gutter Protection
Every Review Written Personally by Chad
What Homeowners Are Saying

Outcomes, not opinions.

🟡 Yellow Light Outcome
★★★★★

"Yellow light on a $14,500 roofing quote. Chad caught scope language that would have left us on the hook for deck replacement costs the contractor never mentioned upfront. We went back with Chad's questions and got a better contract. Paid $149. Absolutely worth it."

M. Harrison
Roofing Quote · Complete Review · Westlake, OH
🟡 Avoided a Pressured Decision
★★★★★

"The contractor gave us until end of day to sign. We uploaded our quote that morning and had Chad's full review by that evening. Yellow light — two warranty gaps and a payment term that wasn't standard. We didn't sign. I don't know what would have happened if we had."

T. & R. Kowalski
Window Quote · Rush Review · Mentor, OH
🟢 Signed with Confidence
★★★★★

"Green light on a $9,800 siding quote. I needed to know I wasn't getting played — and after Chad's report I had actual confidence to move forward, not just hope. That peace of mind is exactly what I paid for."

D. Fenton
Siding Review · Essential Review · Avon, OH
Chad Fletterich

"I'm not here to tell you whether your contractor is good or bad. I'm here to make sure you understand exactly what you're being asked to sign — and what questions to ask before you do."

— Chad Fletterich · North Coast Home Advocate
Common Questions

Straight answers before you decide.

We review the pricing and line items in your contractor quote, the scope of work as written, materials and brands specified, any warranty language, and the payment and contract terms. On Complete and Premium tiers, we also include market pricing context and specific questions to ask your contractor before signing.
No. Chad is not a contractor, does not perform construction work, and has no financial relationship with any contractor. North Coast Home Advocate is an independent consumer-information service. The value comes from Chad's years inside the home improvement industry combined with a risk-management mindset built over 16 years as a licensed insurance professional.
A written report, delivered to your email inbox within your chosen timeframe — 48 hours standard, or 24 hours with Rush. Your report includes a Green / Yellow / Red verdict, a plain-English breakdown by section, and — depending on your tier — specific questions to ask, market pricing context, and a negotiation letter.
Not at all. Many contractors do excellent, honest work. Our goal is to make sure you have the same information the contractor does before you sign. If your quote looks strong, we'll tell you exactly why — and you can move forward with confidence.
No. North Coast Home Advocate provides independent consumer information and homeowner guidance. Nothing in our reports constitutes legal advice, engineering advice, or a professional determination of any kind. If you have a legal concern about a contract, consult a licensed attorney.
Our service is designed for homeowners who have not yet signed. Once a contract is executed, the scope of what we can helpfully advise changes significantly. You're welcome to reach out and we'll let you know whether we can be of assistance.
No. North Coast Home Advocate does not recommend, refer, or endorse any specific contractor or company. We are strictly on the homeowner's side. If your contractor's quote looks fair and complete, Chad will say so clearly — and you can move forward with confidence in the relationship you already have.
Yes. Chad is an active Ohio Major Lines licensed insurance professional (NPN: 16145513) with 16 years of experience. A free homeowners insurance quote is available alongside any contractor quote review — or as a standalone request — with no obligation to purchase anything.
Get Started Today

Upload Your Quote for
Independent Review

Chad reviews every submission personally — no algorithms, no assistants. Your written report arrives in your inbox, plain-English, with a clear verdict.

Secure submission. Reviewed personally by Chad.
PDFs, photos & screenshots accepted One quote or several — your choice Reviewed by Chad — not an algorithm Zero contractor affiliation — ever Report delivered to your inbox
Submit Your Quote Secure · Personal review
Optional Add-On

Free Homeowners Insurance Quote

Chad is an active Ohio Major Lines licensed insurance professional with 16 years of experience managing risk for homeowners across the U.S. If you'd like a free review of your current coverage — alongside your quote review or on its own — just let him know in the form. No obligation. Ever.

Active Ohio Major Lines License
NPN: 16145513
Get in Touch

Ready to know before you sign?
Get your report from Chad.

Upload your quote and get a written Green / Yellow / Red report in your inbox — plain English, no jargon, no follow-up call required to get started. Or reach out directly below.

Call or Text
(216) 236-4594
Email
hello@northcoasthomeadvocate.com
Important Disclaimer

Independent information service. Please read before proceeding.

About This Service

North Coast Home Advocate is an independent consumer-information service. We provide homeowner guidance, independent quote review, and general risk information. We are not a law firm, engineering firm, or licensed contractor. Nothing on this website or in any report we produce constitutes legal advice, engineering advice, or a professional determination of any kind.

Contractor reputation information referenced in any review is based on publicly available sources — including state licensing databases, BBB complaint records, and online review platforms — which may be incomplete, contested, or delayed. The presence or absence of public complaints does not constitute a determination of contractor quality or professional competence.

Our reports do not guarantee contractor performance, quote fairness, project outcomes, or price savings of any kind. All final decisions remain solely with the homeowner. Once a homeowner executes a contract, North Coast Home Advocate assumes no liability for outcomes related to that contract. Our service is pre-signature guidance only.

Insurance services are offered through Chad Fletterich, an active Ohio Major Lines licensed insurance professional (NPN: 16145513). Insurance quotes are subject to carrier underwriting and are not guaranteed. No coverage is bound through this website or through informal communication.

By using this service, you acknowledge that you have read this disclaimer and agree to use the information provided at your own discretion and risk.

Ready to know before you sign? Starting from $79 · Fast turnaround