Rebuilding or repairing your home after a loss often involves working with contractors, which can be both exciting and daunting. To help you feel confident and informed, we’ve answered some of the most common questions homeowners have when navigating this process. Also keep in mind we have a variety of Rallyback articles that cover contractors, their process, terminology and more in far greater detail.
1. What does a contractor do?
A contractor oversees and manages construction or repair work on your property. Their responsibilities include:
Assessing the scope of work.
Providing detailed estimates.
Hiring and managing subcontractors (e.g., electricians, plumbers).
Ensuring the work meets building codes and safety standards.
Delivering the completed project on time and within budget.
2. How do I find the right contractor?
Finding the right contractor is crucial for a successful rebuild. Here’s what to consider:
Recommendations: Ask friends, neighbors, or your insurance adjuster for referrals.
Credentials: Verify their license, insurance, and certifications.
Experience: Look for contractors experienced in similar projects or disaster recovery.
References: Request references and reviews from past clients.
Written Estimates: Obtain and compare estimates from multiple contractors.
Tip: Be wary of contractors who pressure you for quick decisions or ask for large upfront payments.
3. What should I include in a contractor agreement?
A detailed, written agreement protects both you and the contractor. Key elements include:
A full description of the scope of work.
An itemized breakdown of labor, materials, and associated costs.
A payment schedule tied to project milestones.
Start and completion dates.
Warranty or guarantee details for the work.
A clause outlining how changes (change orders) will be handled.
Tip: Never work without a signed contract—verbal agreements leave room for misunderstanding.
4. What is a change order?
A change order is a written agreement that modifies the original scope of work, often due to unforeseen circumstances or additional requests. Change orders may include:
Adjustments to the work being done.
Changes in materials or costs.
Revised timelines.
Tip: Always get change orders in writing and review their impact on your budget and timeline.
5. Should I get a detailed estimate before starting work?
Yes, a detailed, itemized estimate is essential. It should include:
A full list of labor, materials, and equipment.
Permits, inspections, and other fees.
Contingency costs for unexpected issues.
Project timelines and payment schedules.
Tip: Compare multiple estimates to understand pricing and ensure no major items are missing.
6. How do I handle payments to a contractor?
Payments should align with project milestones, not be made upfront. Best practices include:
Breaking payments into stages (e.g., deposit, mid-project, completion).
Paying only for work that’s been completed and verified.
Using traceable payment methods (checks, bank transfers).
Holding back a small portion of the final payment until all work is finished and inspected.
Tip: Avoid cash payments and always request a written receipt.
7. What if my contractor doesn’t finish the work or disappears?
If your contractor fails to complete the work, take these steps:
Document everything: Keep a record of incomplete work, payments made, and communications.
Contact your insurance adjuster: They can guide you on next steps.
Reach out to local licensing authorities: File a complaint if necessary.
Consult a lawyer: For contract breaches or to pursue legal remedies.
Tip: Hiring licensed and insured contractors reduces the risk of abandonment.
8. Do I need permits for my rebuild or repairs?
Yes, permits are often required for significant repairs or rebuilding projects. Your contractor should:
Identify which permits are needed for your project.
Apply for permits on your behalf.
Arrange inspections to ensure the work complies with building codes.
Tip: Always confirm that permits are in place before work begins to avoid fines or delays.
9. How do I know the work is high quality?
Ensure quality by:
Inspecting the work at various stages.
Consulting your insurance adjuster or a third-party inspector.
Reviewing warranties or guarantees provided by the contractor.
Addressing concerns promptly and documenting any issues in writing.
Tip: Don’t make the final payment until you’re satisfied and the work passes inspection.
10. How can Loti help me work with contractors?
At Loti, we support you through every stage of the rebuild process, including:
Helping you find and vet reliable contractors.
Reviewing estimates to ensure accuracy and fairness.
Assisting with organizing and documenting construction costs for your insurance claim.
Providing guidance on managing timelines, payments, and communication.
Final Thoughts
Working with contractors is a key part of the recovery and rebuilding process. By asking the right questions, staying organized, and maintaining clear communication, you can ensure your project stays on track.
If you need additional guidance, Loti is here to help. From managing documentation to navigating your insurance claim, our team is ready to support you every step of the way.