How many quotes should I get before hiring a builder?

Aim for at least three written, itemised quotes so you can compare like for like. For larger projects, such as extensions or loft conversions, getting more can help.

How much deposit is reasonable?

A deposit of around 10-15% to secure your start date or cover custom-made materials is generally considered reasonable. Be cautious of anything higher.

Do I need a written contract?

Yes, for anything beyond small repairs. A written contract protects both you and the builder by setting out the scope of work, price, payment schedule, and how changes or disputes will be handled.

What insurance should my builder have?

At minimum, current public liability insurance. Ask to see the certificate and check it's still valid before work starts.

Should I tell my insurer about the building work?

Yes. Let your home insurance provider know before work starts, as building work can affect your buildings insurance cover and any future claims.

How to find a builder

Manage your home insurance policy online

Alternative accommodation

Cover for fire damage to walls and internal fixtures

Cover for burst pipes causing flooding and structural damage

Manage your home insurance policy online

Alternative accommodation

Home office and business equipment

Contents in outbuildings