How to choose a builder and pay them safely

Most building work goes well. When it doesn't, it's usually because of a vague quote or paying too much too early.

Choosing a builder

• Get at least three written quotes for the same job, so you can compare like with like.
• Ask for photos of similar jobs and speak to one or two past customers.
• Check they have public liability insurance, and see it in writing.
• For electrics, gas or windows, check they're registered so the work is signed off.

What a good quote includes

• Exactly what's included, and what isn't.
• Who buys the materials, and what's provisional.
• A start date, rough length and how changes will be priced.

Paying safely

• A small deposit is normal, often for materials, but avoid paying most of the price up front.
• Pay in stages as agreed parts of the work are finished.
• Pay by bank transfer or card to a business account, and keep records.
• Keep back a final payment until everything is finished and signed off.

Before the job ends

Walk round together with a snagging list, and make sure you get any certificates, guarantees and Building Control sign-off.

Tip: Never feel rushed. A builder who pushes you to decide on the spot isn't one to hire.