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five questions to ask before you sign a construction contract

Scope, schedule, change orders, and insurance—know what should be in writing before shovels hit the ground.

Blueprints on a table

The moment you sign, you are aligning budgets, timelines, and risk—not just approving a price. The best contracts answer detailed questions before work starts so everyone shares the same picture of success.

Project team reviewing documents at a table
Modern building facade and structure

1. What exactly is in scope—and what is excluded?

Milestones and materials should be written clearly enough that a third party could tell what “done” means. Ask for explicit exclusions (e.g., permits you will obtain yourself, allowances vs fixed selections) so gray areas do not become disputes later.

Hands marking up a construction schedule on site
Schedules and milestones belong in the contract—not only in a separate tracking sheet.

2. How are schedule and delays handled?

Understand realistic timelines, weather or permit contingencies, and how you will be notified when dates shift. A good agreement describes communication cadence and who approves critical path changes.

3. How do change orders work?

Change orders should be documented with description, cost impact, and schedule impact before work proceeds. Ask how allowances are reconciled and what happens when selections run over or under.

Workers in hard hats coordinating on a construction site
Change order discipline keeps owners, consultants, and trades aligned when scope shifts.

4. What insurance, warranties, and lien protections apply?

Confirm liability coverage, WSIB where applicable, and warranty language on labour and materials. Know how to verify subs and whether holdbacks are part of your arrangement.

5. How and when do you pay?

Progress draws should map to verifiable completion stages—not vague percentages. Understand retainers, HST, and what happens if you need to pause the job.

Architectural blueprint detail
Draw-down schedules tied to inspections protect both owner and builder.

When these five areas are clear, you can move forward with confidence. If you want a second set of eyes on a contract before you sign, our team is happy to talk it through.

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