As others have said, if you can't use a credit card, you are vulnerable. We installed shutters and every estimate we got included a 50% deposit. That given, we would only deal with a large, long time, business. With the owners as you described, what if one or both become ill or decide to leave the state? You can be left with a big loss. You need to evaluate the risk vs. how much you save by dealing with this couple. If their price is substantially less than the larger companies, I would be very sceptical. The biggest expenses the materials. The installation is not that complicated or time consuming.
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