What should I do before signing a renovation contract?

Before signing any renovation contract in Ottawa, you must verify your contractor's licensing, insurance, and get proper permits - this protects you from liability and ensures the work meets Ontario Building Code standards.

Verify Your Contractor's Credentials

Start by checking their ESA license if electrical work is involved (licensing.esasafe.com) and TSSA certification for gas or HVAC work (tssa.org). Every contractor should provide their WSIB clearance certificate - call 1-800-387-0750 to verify it's current. Without valid WSIB coverage, you could be liable for workplace injuries on your property.

Request proof of liability insurance (minimum $2 million) and ask your insurance broker to confirm coverage. Many Ottawa homeowners skip this step and face costly surprises when damage occurs.

Review Contract Details Thoroughly

Your contract must specify exact materials (brand names, model numbers, grades), not vague terms like "quality materials." Include detailed timelines with start and completion dates, plus consequences for delays beyond weather or permit issues. The payment schedule should never exceed 10% down, with progress payments tied to completed work phases.

Under Ontario's Construction Lien Act, you must hold back 10% of each payment for 60 days after substantial completion. Any contractor demanding full payment upfront is a major red flag. Legitimate Ottawa contractors understand and expect this holdback requirement.

Understand Ottawa Permit Requirements

Verify what permits are needed through City of Ottawa Building Code Services (613-580-2424). Most renovations involving structural changes, electrical, plumbing, or HVAC require permits. The contractor should handle permit applications, but you're ultimately responsible as the homeowner.

For bathroom renovations, you'll typically need building permits ($200-500) plus separate ESA permits for electrical work ($100-200). Kitchen renovations often require multiple permits if you're moving gas lines, electrical panels, or structural elements. The City's ottawa.ca/building portal shows current processing times - typically 15-25 business days for standard renovation permits.

Watch for These Red Flags

Never sign with door-to-door contractors or anyone pressuring immediate decisions. Legitimate contractors provide detailed written estimates and allow time for consideration. Be wary of quotes significantly lower than others - they often indicate cut corners or hidden costs later.

Avoid contractors who can't provide local references from recent Ottawa projects. Ask to see completed work in neighborhoods like Kanata, Orleans, or Barrhaven. Check online reviews but remember anyone can create fake testimonials.

Protect Your Payment

Never pay large sums upfront. Ontario law allows contractors to request materials deposits, but these should be reasonable and tied to actual material orders you can verify. Establish a payment schedule based on completion milestones, not calendar dates.

Consider paying by credit card for additional protection, especially the initial payment. This gives you dispute resolution options if problems arise.

Final Contract Review

Ensure the contract includes cleanup responsibilities, warranty terms (minimum one year for workmanship), and change order procedures. All changes must be written and signed - verbal agreements lead to disputes.

The contract should specify who obtains permits and inspections. While contractors typically handle this, you need clarity on responsibilities and costs.

For expert guidance on working with contractors and navigating Ottawa's renovation process, our verified contractor directory can connect you with properly licensed professionals who understand these requirements.