Get the model, not just the brand
Ask for the exact model number, fuel, tank capacity or tankless output, and warranty. A basic atmospheric-vent tank is a different purchase from a power-vent model or a tankless conversion. A large price gap deserves an explanation; the total alone does not prove fraud.
Make the hidden work visible
Ask each installer to itemize equipment, labor, removal, permits, inspections, venting, gas-supply changes, electrical work, access and code corrections. Ask whether taxes are included. If an item is an allowance, ask how and when it can change.
Compare cash price and financed total
A monthly payment is not the project price. Request the cash total, financed amount, APR, term, fees and total of payments. The CFPB explains that “no interest if paid in full” offers are usually deferred interest: miss the deadline and interest can be charged back to the purchase date. The FTC advises shopping around rather than automatically using a lender the contractor suggests.
Use the same brief for a second quote
Send the exact equipment type, photos of the existing installation, accessibility details and a list of requested work. Ask the second company to point out any work it would do differently. You can use the quote worksheet on this site without sending your information to an installer.
What a high quote may include
A fuel conversion, panel work, new vent route, relocation, difficult access or commercial equipment can change the job substantially. Ask what is essential for your installation, what is optional and what evidence supports each recommendation.
Get it in writing
The FTC recommends written estimates that describe the work, materials, completion date and price, and asking for an explanation when estimates differ a lot. Get a written contract even if your state doesn’t require one, including the contractor’s license number. Be wary of a contractor who asks you to pull the permits or wants full payment up front.
Sources
Sources checked September 29, 2026. Prices, codes and rebates change. Check current details with your installer and local permit office.