What You Need to Know About Hiring Subcontractors for Your Home

Feb 11, 2025

Building or renovating a home involves multiple specialized tasks—plumbing, electrical work, roofing, flooring, and more. Most general contractors don’t perform all these jobs themselves; instead, they hire subcontractors—specialists who handle specific parts of the project.

Hiring the right subcontractors can make or break your home project. A skilled subcontractor ensures quality workmanship, while a bad hire can lead to costly mistakes, delays, and frustration. So how do you make sure you're hiring the right people?

In this guide, we’ll walk you through everything you need to know about subcontractors, how they fit into a home project, and what to look for to ensure a smooth, high-quality build.

What is a Subcontractor?

A subcontractor is a professional hired by a general contractor (or sometimes the homeowner) to perform a specific part of a construction project. Subcontractors are experts in their trade and work under contract to complete their portion of the job.

Common Types of Subcontractors in Home Construction

🔹 Excavation & Site Prep – Prepares land before construction begins.
🔹 Concrete & Foundation – Handles footings, slabs, and foundation work.
🔹 Framing & Carpentry – Builds the home's structural framework.
🔹 Electrical – Installs wiring, outlets, and lighting.
🔹 Plumbing – Installs water lines, fixtures, and drainage systems.
🔹 HVAC (Heating, Ventilation, & Air Conditioning) – Installs climate control systems.
🔹 Roofing – Installs roof materials and ensures proper waterproofing.
🔹 Drywall & Insulation – Finishes interior walls and insulation.
🔹 Flooring & Tile – Installs hardwood, tile, carpet, and other surfaces.
🔹 Painting & Finishing – Handles interior and exterior painting.
🔹 Landscaping & Hardscaping – Works on outdoor features, including patios and gardens.

Each subcontractor focuses on one area, meaning multiple subcontractors may be working on your project at the same time. Managing them properly is crucial to keeping your project on schedule and within budget.

Step 1: Understanding the Role of the General Contractor vs. Subcontractors

General Contractor (GC): The Project Manager

  • Hires and manages subcontractors.
  • Ensures that work follows plans, codes, and safety regulations.
  • Coordinates the schedule and workflow.
  • Handles permits and inspections.

Subcontractors: The Specialists

  • Perform specific skilled tasks within the project.
  • Work under a contract with the GC (or homeowner, in some cases).
  • Must complete their work on time to avoid delaying other trades.
  • Often juggle multiple projects at once.

In most cases, the general contractor hires and oversees subcontractors, but in some projects (especially custom home builds), the homeowner may choose to hire subcontractors directly.

Step 2: How to Choose the Right Subcontractors

1. Verify Licenses & Certifications

Many trades require a state license or certification. Check with your local building authority to ensure subcontractors are properly certified.

💡 Tip: Ask for a license number and verify it online with your state’s contractor licensing board.

2. Check Experience & Past Work

A subcontractor may be licensed, but that doesn’t mean they deliver high-quality work.

  • Ask for references from past projects.
  • Request photos or visit a completed project if possible.
  • Find out how long they’ve been in business.

💡 Tip: A reputable subcontractor should have a portfolio of past work or client reviews.

3. Verify Insurance Coverage

Subcontractors must have insurance to protect against liability and worker injuries.

  • General Liability Insurance – Covers property damage and accidents.
  • Workers’ Compensation Insurance – Covers injuries that occur on-site.

💡 Tip: Request a Certificate of Insurance (COI) before hiring any subcontractor. If they don’t have coverage, you could be held financially responsible for any accidents.

4. Compare Multiple Bids

Don’t just hire the first subcontractor you find. Collect at least three bids to compare pricing and scope.

💡 Tip: The lowest bid isn’t always the best—sometimes, it means cut corners or hidden fees. Look for clear, detailed estimates that outline materials, labor, and expected timeframes.

5. Ensure They Understand the Project Timeline

Your project has a schedule, and subcontractors must meet deadlines to keep everything on track.

💡 Tip: Ask subcontractors about their availability and whether they’re juggling multiple jobs. A busy subcontractor may not prioritize your project, leading to delays.

6. Get a Written Contract

Never hire a subcontractor without a signed agreement that includes:
✔️ Scope of work – What exactly they will do.
✔️ Start and completion dates – Timelines to prevent delays.
✔️ Payment terms – How and when they’ll be paid.
✔️ Warranty information – What’s covered and for how long.

💡 Tip: A strong contract protects you in case of disputes or unfinished work.

Step 3: Managing Subcontractors Effectively

Even after hiring the right subcontractors, managing them properly is key to keeping your home project on track.

1. Work With an Owner’s Representative

If you’re not experienced in construction, hiring an Owner’s Representative can help manage subcontractors, oversee quality control, and prevent costly mistakes.

💡 Tip: An Owner’s Rep ensures that work is done correctly, on time, and within budget—saving you money and stress.

2. Keep Clear Communication

Subcontractors must understand your expectations and deadlines.

✔️ Have regular check-ins to review progress.
✔️ Address concerns immediately—don’t assume problems will “fix themselves.”
✔️ Make sure they coordinate with other trades to avoid conflicts (e.g., electricians need to finish wiring before drywall goes up).

3. Avoid Paying 100% Upfront

Never pay a subcontractor the full amount before work is complete. Instead, use progress payments tied to project milestones.

💡 Tip: Hold final payment until you inspect and approve the work.

4. Monitor Quality of Work

Mistakes caught early are easier (and cheaper) to fix. Do site visits or have an Owner’s Rep inspect the work before approving payments.

✔️ Check for proper installation and craftsmanship.
✔️ Make sure work meets building codes and safety standards.
✔️ Confirm materials match what was agreed upon.

💡 Tip: If a subcontractor isn’t meeting expectations, address it immediately—waiting too long can delay the entire project.

Final Thoughts

Subcontractors play a crucial role in any home project. Choosing the right ones—and managing them effectively—can mean the difference between a smooth, high-quality build and a nightmare of delays and unexpected costs.

By verifying licenses, insurance, experience, and contracts, you can ensure that your subcontractors deliver quality work on time and within budget.

At North Pacific Construction Consulting, we specialize in helping homeowners manage subcontractors, review bids, and oversee construction projects to ensure quality and efficiency. If you need help managing your home project, let’s talk about how we can make the process stress-free and successful.

We are always open for collaboration.

Contact US