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Contractor Payment Terms Red Flags

Payment structure tells you how much risk you carry before any work is done.

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What to check on the estimate

Questions worth asking

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Paste or upload the estimate. The free scan lists the sections it found, the sections that look missing or unclear, and a question list you can send to the contractor. It does not tell you whether a price is fair, because that is not something a document review can answer.

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Frequently asked

Is a large deposit always a problem?

No. Custom materials and special orders justify real money up front. The question is what the deposit buys and whether that is written down.

What is retainage?

A small percentage held back until the final list of fixes is done. It keeps the last details from being abandoned.

Related guides

Free checklists

Printable checklists you can take into the conversation.

Free checklists
Educational checklist only. Not legal, engineering, pricing, contractor-vetting, or building-code advice. This does not decide whether a price is fair or which contractor to hire. Verify everything with your own licensed professional and your local building department.

Independent tool. No contractor marketplace, no lead selling, no referral fees. Payment is not enabled, so nothing on this site can charge you.