How to read a contractor quote
Seven things to check on any renovation or restoration quote before you sign, from line items and allowances to permits, payments and warranty.
A good quote answers questions before you ask them
A renovation or restoration quote is the document you'll come back to when something changes. If it's one number and a paragraph, there's nothing to come back to. Here's what to look for.
1. Line items, not lump sums
Each material, trade and permit should have its own line and its own price. A single line that says "Kitchen renovation" with one total tells you nothing about what's included.
2. Allowances, clearly marked
If you haven't chosen a finish, the quote should include an allowance: a budget for that item. Check that allowances are realistic for what you want, and ask how differences are handled.
3. What’s not included
Look for a list of exclusions. Common ones are permits, disposal, painting, appliances and moving belongings. If they're not listed, ask.
4. Permits, drawings and inspections
Who applies for the permit, and who pays for it? A quote that skips permits for work that needs one is a warning sign.
5. Taxes and payments
HST should be shown separately. The payment schedule should be tied to stages of the work, not to dates, and the deposit should be reasonable.
6. How changes are handled
The quote should say that changes are priced and approved in writing before the work happens.
7. Licences, insurance and warranty
Ask for proof of liability insurance and a WSIB clearance certificate, and check any municipal licence your city requires. The warranty terms should be in writing.
Questions we hear
What is an allowance on a quote?
A budget set aside for an item you haven't chosen yet, like tile or fixtures. If your choice costs more or less, the difference is added or credited.
What should a contractor's quote include?
Line items for each material, trade and permit; allowances; exclusions; HST; a payment schedule; how changes are handled; and warranty terms.
Should I pay a large deposit?
Be cautious with large deposits. Payments should be tied to stages of the work.
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