Company and credentials questions
Open with credibility-establishing questions to filter quickly. (1) How long has the company been trading as a limited company, and who are the directors? Confirm at Companies House. Look for 3+ years of filed accounts, stable director list, no recent name changes. (2) Can I see your Public Liability and Employers Liability insurance certificates today? Verify with the broker by calling. PL minimum £5m, EL minimum £10m. (3) Which trade bodies are you a member of, and what's your membership number? Confirm by calling the trade body. Look for FMB, TrustMark, NHBC, Chartered Building Company, NICEIC, Gas Safe. (4) Can you provide three completed addresses in this borough from the last 12 months? Visit one. Speak to the client by phone, not email. Ask about communication, variations, final cost vs quote and any remediation history.
Technical and project-specific questions
Deepen the conversation to test competence. (5) Who is your structural engineer? Are they chartered (IStructE, ICE, IMechE)? Can I have their professional indemnity insurance details? Confirm PI insurance with the engineer's professional body. (6) What contract will we use? Insist on JCT or FMB Domestic Building Contract, not a one-page quote. Avoid contractors who refuse standard contracts. (7) How will variations be priced and instructed? Look for written variation orders, day-rate or schedule of rates pricing, and a maximum percentage uplift on variations. (8) What is your typical programme for a project of this size in this borough? Compare against industry norms for sanity-check; significantly faster or slower than peers warrants investigation. (9) Will you handle planning, party wall and building control yourself or via consultants? Confirm fees are itemised in the quote, not lumped under PCs.
Commercial and protection questions
Close with commercial protection. (10) What is your payment schedule? Insist on industry-standard milestone payments (5/15/20/20/20/15/5%) tied to deliverables, with no upfront above 5%. Avoid contractors demanding 25%+ upfront, weekly day-rate payments, or upfront 'materials' deposits above 10%. (11) What warranty is provided? Insist on a minimum 12-month defects liability period in the contract, plus a 10-year insurance-backed structural warranty (NHBC, LABC, Premier Guarantee, Build-Zone or ABC+). Confirm the warranty is assignable to future buyers. (12) What is your VAT status, and is VAT included or added to the quote? Verify VAT registration on the HMRC website. (13) If we have a dispute, what resolution process does the contract provide? Look for mediation, then adjudication under the Scheme for Construction Contracts, then arbitration or court. Avoid contractors who claim 'we don't have disputes' — every contractor has had at least one dispute and saying otherwise is a red flag.
