Why Asking the Right Questions Saves Time and Money
Hiring a builder without proper checks risks delays, poor work, and unexpected costs. In the UK, 1 in 4 home improvement projects exceed budget — often due to unclear expectations. Asking specific, practical questions upfront prevents this. Focus on insurance, payment structure, and project timing. These aren’t just formalities — they’re safeguards.
What to Ask About the Quote and Payment Stages
Always request a written, itemised quote. Ask:
- Is this a fixed price or estimate?
- Are materials, labour, and VAT included?
- What happens if material prices rise?
Avoid builders who give vague quotes like "around £15,000". A proper quote should break down costs per task — e.g., "flooring: £2,100 (including underlay, fitting, removal)". This helps spot hidden charges.
For payment, insist on staged payments tied to milestones. Typical stages: - 10% on site start - 40% after structural work is complete - 40% after finishes (plumbing, electrics) - 10% on handover
Never pay more than 50% upfront. If a builder demands full payment, walk away.
Confirm Insurance, Licences, and Work History
Ask for proof of:
- Public liability insurance (minimum £2 million recommended)
- Employers’ liability insurance (if they have staff)
- Trade-specific insurance (e.g., for scaffolding or asbestos work)
Check the builder’s registration with the FSB or NHBC. Ask for 3 recent references — contact them directly. Don’t accept vague answers like "they were happy". Ask: "Did the job finish on time? Were there cost overruns?".
If they’ve worked on similar projects — e.g., a loft conversion in a Victorian terrace — ask for photos and a short walkthrough. A builder who can show past work is more likely to deliver consistent results.
Clarify the Timeline and Work Schedule
Get a written project schedule with key dates:
- Start date
- Completion of structural phase
- Fixtures and fittings installation
- Final handover
Ask: "What happens if there’s a delay due to weather or material shortages?". A good builder will have a contingency plan — e.g., rescheduling non-weather-sensitive tasks.
Avoid those who promise "3 weeks from start" without a breakdown. Realistic timelines depend on project size. A kitchen extension might take 8–12 weeks, including planning, groundworks, and finishes. Push for a week-by-week outline.
Use ASKU to Find Trusted Local Builders
If you’re unsure where to start, use ASKU to connect with vetted local builders in your area. You can send a quick WhatsApp message with your project details and get a response within hours. It’s a direct way to compare quotes and check availability without the hassle of online forms.
Don’t skip these checks. A builder who won’t answer clear questions likely won’t deliver a reliable job. Take the time to ask — it’s the best way to protect your home and your budget.