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How to Compare Contractor Quotes (and Spot the Hidden Gaps)

Three quotes, three different prices. A line-by-line checklist that turns apples-to-oranges bids into a real comparison.

7 min read · updated 2026-09-27

Contractor quotes rarely line up neatly. The lowest number is often not the lowest project.

1. Scope of work

Is the quote a tear-off or an overlay? A retrofit insert or full-frame window?

2. Materials

Quotes should specify brand, product line, quantity, warranty terms, and allowances vs. fixed pricing.

3. Permits and inspections

Permits are not optional for most major work.

4. Site protection and cleanup

Is dumpster rental and magnet sweep included for roof work?

5. Payment schedule

Never pay more than 10% upfront on a residential project.

6. Timeline and crew

Who is on the crew — employees or subs?

7. Insurance and licensing

Ask for general liability and workers' comp certificates.

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