Should I get everything in writing?

Yes. Every detail of the scope, materials, timeline, payment and warranty should be in the written contract. Verbal promises are unenforceable. If a contractor is unwilling to put details in writing, that is a significant red flag.

What is a reasonable contingency?

For a renovation in an existing home, 10–15% is standard. For older homes (pre-1980), 15–20% is prudent. The contingency covers surprises: hidden water damage, outdated wiring, subfloor rot, asbestos, or structural issues behind walls. Projects that start without a contingency almost always go over budget.

When should I pay the final amount?

Only after a final walkthrough and punch list are completed. The punch list is a written list of items that need correction or completion. Nothing is final until every item on the punch list is resolved. Withholding the final 10% (the holdback) until completion protects both parties.

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Questions to Ask Before Starting a Renovation

Updated July 25, 20262 min read

The short answer

The questions that matter most before a renovation are not about style — they are about scope, budget, sequence and risk. What exactly is being done? What is the realistic budget including contingency? What permits are required? What happens if something unexpected is found? What is the payment schedule? How are changes handled? Asking these before signing a contract prevents the majority of renovation disputes.

Questions about scope

What exactly is included in the scope of work?
What is explicitly excluded?
Who is responsible for demolition and cleanup?
Are there any structural modifications?
Are any walls being moved or removed?
What electrical, plumbing or gas work is included?
Who handles permits and inspections?
Is finishing (painting, trim, caulking) included?
What happens if the existing condition is worse than expected?

Questions about budget

What is the total cost, broken down by category?
What is the contingency allowance (10–15% recommended)?
What is the payment schedule?
Is there a holdback provision?
Are there any costs not included in the quote?
How are change orders priced?
What happens if the project goes over budget?
Is GST included in the quoted price?

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Questions about timeline

What is the expected start date?
What is the expected completion date?
What are the milestones and their dates?
How are delays communicated?
What is the penalty for delays (if any)?
What are the working hours?
Will the contractor be on-site every day?
What happens if the contractor falls behind?

Questions about risk

What happens if something unexpected is found behind a wall?
Who pays for hidden damage repair?
What insurance does the contractor carry?
What warranty is provided on workmanship?
What warranty is provided on materials?
How are disputes resolved?
What is the process if I am not satisfied with the work?
Is there a right to cancel?

Answers

Frequently asked questions

Should I get everything in writing?: Yes. Every detail of the scope, materials, timeline, payment and warranty should be in the written contract. Verbal promises are unenforceable. If a contractor is unwilling to put details in writing, that is a significant red flag.
What is a reasonable contingency?: For a renovation in an existing home, 10–15% is standard. For older homes (pre-1980), 15–20% is prudent. The contingency covers surprises: hidden water damage, outdated wiring, subfloor rot, asbestos, or structural issues behind walls. Projects that start without a contingency almost always go over budget.
When should I pay the final amount?: Only after a final walkthrough and punch list are completed. The punch list is a written list of items that need correction or completion. Nothing is final until every item on the punch list is resolved. Withholding the final 10% (the holdback) until completion protects both parties.

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