Hiring a General Contractor in Toronto? 7 Key Questions You Should Always Ask First

Whether you're renovating your kitchen, finishing a basement, or tackling a full-scale home remodel, the decision to hire a general contractor is a big one. It’s more than just selecting someone who can swing a hammer—it’s about choosing a professional who will manage trades, timelines, budgets, and your peace of mind. In a competitive market like Toronto, where construction regulations and housing demands are in constant flux, being selective is not just wise—it’s necessary.

For those looking to hire a general contractor in Toronto, asking the right questions upfront can protect you from costly missteps later. Before you commit, here are seven key questions every homeowner should ask—and why they matter.

1. Are You Licensed and Insured in Ontario?

Before anything else, confirm that the contractor holds a valid Ontario license and up-to-date insurance. This includes liability insurance and WSIB (Workplace Safety and Insurance Board) coverage for workers. Licensing proves they’re legally allowed to operate, and insurance ensures you're not liable if something goes wrong on-site.

Don’t just take their word for it—ask for proof. In Ontario, you can verify contractor licences through the Ontario College of Trades or your local municipality’s website.

2. What Type of Work Do You Specialize In?

General contractors often have strengths in particular areas—some focus on residential renovations, others on commercial spaces or custom builds. Asking about their specialty ensures they’re a good fit for your project type. If you're planning a modern bathroom remodel, you may not want someone whose portfolio is full of heritage restorations.

Review their past work and ask to see photos or visit a current job site. The best contractors will be proud to show off their craftsmanship and may even have references who are willing to chat about their experience.

3. Who Will Be On-Site Daily, and Who Supervises the Work?

Some contractors work with a dedicated in-house crew, while others sub out most of the work. It’s important to know whether the person you're hiring will be on-site regularly or simply managing subcontractors remotely.

Having a clear answer to this question ensures accountability. You’ll want to know who your point of contact is for daily updates, site issues, or schedule changes. The more hands-off a contractor is, the more risk you carry for miscommunication or delays.

4. Can You Provide a Detailed Written Estimate?

A vague quote can be a red flag. Any reputable contractor should be able to provide a written, itemized estimate that breaks down the cost of materials, labour, permits, and contingencies. Be wary of lowball estimates that leave out line items or fail to include allowances for unknowns—these often balloon later.

A comprehensive quote sets expectations on both sides and can serve as the foundation for your contract. Also, ask how changes to the scope will be handled—some contractors charge a hefty markup for change orders.

5. What Is Your Timeline for Completion?

Timelines in construction are notoriously fluid, but a professional contractor should still be able to provide a general project schedule. This should include start and end dates, major milestones, and any time required for inspections or permits.

Clarify whether they’re currently booked with other projects and how that might affect your start date. It’s also a good idea to ask what happens if there’s a delay due to weather, material shortages, or subcontractor issues.

According to Statistics Canada, supply chain disruptions have continued to impact residential construction timelines, making this discussion even more critical.

6. What Kind of Warranty Do You Offer?

A warranty demonstrates that a contractor stands behind their work. Ask what is covered, for how long, and whether it includes both materials and labour. Some contractors also pass along manufacturer warranties on installed products.

Make sure all warranty details are included in your contract. A solid warranty not only gives you peace of mind—it’s a sign of quality and professionalism.

7. How Do You Handle Permits and Inspections?

Navigating permits in a city like Toronto can be complex. A seasoned contractor should be familiar with local zoning bylaws, permit requirements, and inspection timelines. They should also handle the permit process for you, saving you from potential fines or legal complications.

Ask for examples of similar past projects and how long the permitting process took. Contractors who are well-versed in local code compliance can help avoid delays and ensure a smoother build from start to finish.

For reference, the City of Toronto’s building permit guide outlines what types of work require permits and how the review process works.

One More Thing: Trust Your Gut

Beyond the checklist of credentials, qualifications, and project plans, trust your instincts. Communication, transparency, and responsiveness are just as important as technical skill. If a contractor seems evasive or dismissive when you ask these questions, consider it a red flag.

The right contractor isn’t just someone who can build—it’s someone you can build with. A collaborative mindset, attention to detail, and respect for your home and timeline are what truly separate a reliable partner from the rest.

Making the Right Decision Starts with the Right Questions

Hiring a contractor is one of the most impactful decisions you'll make in a renovation journey. By asking the right questions upfront, you’re not just vetting a service provider—you’re establishing the foundation for a smooth, successful project.

Whether you're planning a small remodel or a full-scale transformation, asking these seven questions can help you feel confident and prepared. And in a busy market like Toronto, where demand for quality renovations is high, being informed is your best defence against unexpected headaches.