Choosing a Builder: What to Ask

Working with Clients

  • Some builders spend a lot of time with clients going over the plans, discussing finishings (such as flooring, tile, or trim), and showing the client through the home at various stages of construction. Other builders prefer to have all of the choices set before the build starts so that they can focus on finishing the home rather than discussing things with the client as the build progresses.

    What kind of relationship do you want to have with your builder? Do you want to have a high degree of choice? Do you want the ability to make changes as the project moves along? Or do you want to make your choices and see the project when it is done?

    Because there are thousands of choices that can be made and that affect the cost and time required to build your home, it is important for you to decide what kind of relationship you want to have with your builder. Find out how each builder you talk to likes to work with their clients.

  • Builders typically walk you though the site at the various stages of completion to explain what is happening. Some builders will always be available to walk you through the home and some will specify the number of visits.

    Builders sometimes limit the number of visits to reduce the probability that homeowners will want to make changes that could alter the cost and schedule of the build. Sometimes homeowners want to make last-minute changes to the build based on things they have seen online, in magazines or on reno shows on TV. Last-minute changes can create delays as subtrades are generally busy and sometimes difficult to reschedule. Additionally, specific materials may take time to order in.

    Of course, it is nice for builders to always be available to show you around, but increased access almost always adds costs to your build. This is because your builder (who might have several projects underway at the same time) will need to create time in their schedule to show you around.

    You should not visit the site by yourself or with your family and friends without the builder. Construction sites can be hazardous for people without knowledge of general and specific site hazards. Construction sites are also workplaces, and they have specific labour rules and regulations that must be followed. Be sure to ask your builder about visiting the site. See the Compliance section for more details.

  • Most builders require to you speak directly with them (and not the subtrade) if you have a question or concern. You might think that if you are visiting the site and you see something, it is easier for you to just decide something and tell the subtrades right there about a change or a concern. However, giving directions to subtrades can have unintended consequences. There are a few things you should be aware of.

    • Subtrades are generally hired by the builder, and they would prefer to take direction and feedback from the builder.

    • Some workers on site are just doing what they are asked to do and do not have authority to make changes to their work.

    • Some work is completed in a certain order or a certain way to accommodate other things on your site, for example, a subtrade might complete half the job and then return later to accommodate another subtrade.

    • Some finishes look different when they first go on (such as paint or concrete) to what they look like when they have fully dried or cured.

    If you have a question or a concern, it is almost always best to check with your builder. Ask your builder about talking with subtrades and how best to bring up specific concerns or comments you have with their work.

  • How custom do you want your custom home to be? Since there are almost an infinite number of material and finishing options, your builder will have a list of normal products that they use for all areas of your home.

    You will need to decide what level of customization you are looking for. Are you interested in just picking the colours of the walls, the cabinet doors and counter tops? Or do you want to select things like the type of paint used, the finish on your garage floor or even the type of insulation in the walls?

    Generally speaking, the more choices you make, the higher the build cost will be. Make sure that you and your builder are on the same page. Be sure to talk to your builder about the choices that you want to make and what choices you are happy to have your builder make for you.

  • Some builders will answer the phone at any hour and some like to keep work at work. Ask your builder when they are free to talk and what the best way to communicate with them is. Ensure that you say what your preferences are.

Financial Matters

  • Ask your builder about their experiences with projects that have gone over budget. Find out what you can do (and avoid doing) in order to keep your project on budget. You might be able to avoid cost overruns by learning from your builder’s previous clients.

    It is very easy to increase the cost of your build by choosing upgrades or making changes during construction. If you are on a budget, try and make as many choices as you can before the build begins.

  • Builders generally invoice monthly based on what is built or installed. It is a good get a sample invoice from your builder to ensure that it has enough detail for you or your lender. You builder should be happy to provide a sample invoice.

  • In 2019, new prompt payment rules were introduced in Ontario. These rules specify when invoices must be paid, the window of time you have to dispute charges, and the steps you must take to dispute a charge. Be sure to ask your builder about the rules and how, in the event, that you disagree with a charge.

    If you have a construction loan, be sure that you understand the draw process works. If you are being invoiced monthly, it is important that your have access to funds when appropriate. Ask you builder and lender about invoice and draw frequency.

Changes

  • When building a custom home, things come up and you will change your mind on something. When you do, you will need a change order. Change orders tell the builder that you want something different from what you have agreed on in your contract.

    Talk to your builder about change orders and how and when they can be made. Ask if there is a cost for the change order itself (above the cost of the change).

  • Be sure to discuss how your builder responds to last-minute changes. Some builders are more flexible than others and will respond differently to last-minute changes.

Compliance & Due Diligence

  • Though not all registered builders who belong to professional associations are excellent builders, it is good first step to vetting your builder. Look for builders who:

    • are registered builders

    • belong to local builder’s associations

    • have current WSIB coverage

    • have builders risk insurance

    • have general liability insurance

    • have certified carpenters on staff

    • have a health and safety program

  • Construction sites are workplaces and are regulated under the Ontario Health and Safety Act and related regulations. Find out if your builder has a health and safety program and what kind of health and safety training their employees have.

  • Your builder should be able to clearly describe the health and safety requirements for visiting your building site. Knowing what to expect and what is required when visiting an active construction site will better prepare you for a safe visit.

  • Ask you builder about specific regulations that may impact the price or schedule of your build. Issues might include regulations or permits from conservation authorities, municipal bylaws, building regulations, or local restrictions on vehicle traffic or noise in certain areas.

Choosing a Builder

This article suggests fourteen questions you could ask a potential builder so that you choose the right one for your new home.

Financing Your Build

This article provides important considerations, useful information and tips on navigating construction loans and other financial issues.

Evaluating Estimates

This article suggests ways to get useful prices from builders so that you can compare them and make the best decision for your project.

Working with Our Team

Although we have a unique relationship with each one of our clients, this article outlines the way in which we typically work with our clients.

Notice to Readers

The content on this page is provided for general information purposes only and does not constitute legal, financial or other professional advice or an opinion of any kind. Readers should seek specific legal, financial or professional advice by contacting an appropriate expert. While we try to ensure the accuracy of the information, we cannot guarantee that all of the information is accurate at all times. Bosiak Construction Ltd. does not warrant or guarantee the quality, accuracy or completeness of any information on this page.