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What Questions Should I Ask a Builder Before Hiring in London?

Ask twelve questions before hiring a London builder: how long has the company traded; can I see your PL and EL insurance certificates; which trade bodies are you a member of; can you provide three completed addresses in this borough from the last 12 months; who is your structural engineer; what contract will we use; what payment schedule do you require; what warranty is provided; how do you handle variations; who is the named project manager; what's your VAT status; and how do you handle disputes.

01

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.

02

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.

03

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.

More questions

Related questions answered.

What if a builder refuses to answer my questions?

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Disqualify them and move to the next candidate. A legitimate London builder is accustomed to credibility questions and welcomes them as a basis for trust and contract. Builders who deflect, claim 'we don't share that information' or push hard to sign before answering are either inexperienced, hiding something or dealing with high client churn from previous disputes. The cost of asking twelve questions and walking away from a candidate is hours; the cost of signing with a problem contractor is months and tens of thousands of pounds.

Should I get references from previous clients of the builder?

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Yes, and always speak by phone. Email references are easy to fabricate. Phone calls reveal subtle dissatisfaction that written references hide. Ask each reference five questions: did the project complete on the original timeline or did it overrun and by how much; did the final cost match the original quote or did variations add cost beyond the quote; how was communication during the build; how were defects handled at completion and during the warranty period; would you use this builder again and why. References that hedge on 'would you use them again' are the most informative — that hesitation reveals the issues the reference is being diplomatic about.

Are my questions different for a £20,000 vs £200,000 project?

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The core 12 questions are identical regardless of project size. What differs is the depth of investigation appropriate to each. On a £20,000 project: phone references, verify insurance via certificate sighting, accept a single-page contract supplement to a written quote. On a £200,000 project: site visit to a completed reference, verify insurance via the broker not just the certificate, JCT Minor Works or Intermediate Building Contract with solicitor review, named project manager attending fortnightly meetings, independent chartered building surveyor representing you. The £20,000 project takes 8-12 hours of vetting; the £200,000 project takes 25-40 hours of vetting plus £2,500-£8,000 in professional fees. Vetting effort scales with project size and consequence.

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