What to Look for in a Toronto Renovation Contract: 10 Must-Haves

Canada Ontario
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The contract stage is where many Toronto renovation disasters begin. Community-sourced checklist of what to verify before signing.

The 10 Essential Contract Elements

  1. Detailed scope — every line item: cabinet brand, countertop spec, tile part number
  2. Fixed price or cost-plus — fixed is better for defined scopes; cost-plus needs a hard cap
  3. Payment schedule tied to milestones — max 10% deposit; final 10–15% held until punch list complete
  4. Start and completion dates — with penalty clause if possible
  5. Change order process — written, signed, priced before any work begins
  6. Who pulls permits — contractor must; if they suggest you pull them, walk away
  7. WSIB and liability insurance — get certificate, not verbal
  8. Warranty — TARION covers new homes, not renovations; demand 1–2 year workmanship warranty in writing
  9. Holdback provisions — Ontario Construction Act requires 10% held 45 days after substantial completion
  10. Dispute resolution — process before legal escalation

Deal-Killers

  • Asking for 50%+ deposit upfront
  • Won’t provide written contract
  • Suggests pulling permits in your name
  • Can’t provide WSIB clearance

Share your contract horror stories (and successes) below.