What should be in a contract with my renovation contractor in Ottawa?

A solid renovation contract in Ottawa should include specific project details, payment schedules, permit responsibilities, and protection clauses that comply with Ontario's Consumer Protection Act and Construction Act.

Essential Contract Elements for Ottawa Renovations

Your contract must start with the basics: full legal names and addresses of both parties, detailed scope of work with specific materials and finishes, total project cost broken down by labor and materials, and a realistic timeline with start and completion dates. In Ottawa's climate, always include weather delay provisions for exterior work.

The payment schedule is crucial under Ontario law. Never pay large amounts upfront - a typical structure is 10% to start, progress payments tied to completion milestones, and final payment only after substantial completion. The contract must specify the 10% holdback required under Ontario's Construction Act, which you hold for 60 days after substantial completion to protect against liens.

Permits and Licensing Requirements

Your contract should clearly state who obtains permits. For most renovations in Ottawa, the contractor should handle City of Ottawa building permits (613-580-2424). If electrical work is involved, verify your contractor can arrange ESA permits through a Licensed Electrical Contractor. For gas work, ensure TSSA certification is confirmed. The contract should include permit numbers once obtained and specify that all work meets Ontario Building Code requirements.

Include a clause requiring the contractor to provide proof of WSIB coverage and liability insurance before work begins. In Ontario, contractors with employees must have WSIB - verify this at wsib.ca/clearances.

Change Orders and Protection Clauses

Changes happen, but they need proper documentation. Include a clause requiring written change orders with cost impacts before any work deviates from the original scope. This protects both parties and prevents surprise bills.

Your contract should specify cleanup responsibilities, protection of existing finishes, and procedures for accessing your home. Include warranty terms - Ontario law requires basic warranties, but get specifics on materials and workmanship coverage periods.

What to Watch For

Red flags include contractors requesting full payment upfront, lacking proper licensing verification, or refusing to include permit responsibilities. Avoid contracts with vague descriptions like "renovate bathroom" - demand specific materials, brands, and installation methods.

The contract should reference compliance with City of Ottawa property standards and include a dispute resolution process. Consider including a right to cancel within a specific timeframe if permits are denied.

Official Resources and Final Steps

Before signing, verify your contractor through ESA's contractor locator (esasafe.com) for electrical work and TSSA.org for gas work. Review current permit requirements at ottawa.ca/building, as requirements can change.

Remember, under Ontario's Consumer Protection Act, you have specific rights for contracts over $50. For complex renovations, consider having a lawyer review the contract, especially for projects exceeding $50,000.

A well-written contract protects your investment and ensures your Ottawa renovation proceeds smoothly while meeting all local requirements and regulations.