Complete Contractor Punch List
The punch list is your final quality check before making final payment. Walk through every inch of your addition documenting scratches, gaps, unfinished items, and anything that doesn't meet your expectations. This is your leverage to ensure everything is done right.
Quick Summary
Time needed
2-4 hours to create
Typical items
15-50 items
Key leverage
Final 10% payment
Why This Step Matters
Once you make final payment, your leverage disappears. Contractors are busy and move on to new jobs—getting them to return for "small issues" becomes difficult. The punch list walkthrough is when you identify every deficiency, no matter how minor, and document it in writing.
Important
Withhold your final payment (typically 10% of contract value) until ALL punch list items are complete. This is standard practice and your contractor should expect it. Don't let them pressure you into paying early.
When to Create Your Punch List
Timing matters. Create your punch list after the work is substantially complete but before the contractor considers the project "done."
Right Time
- • All major work is complete
- • Final inspection has passed
- • Contractor says they're ready for walkthrough
- • You can see the finished space
Wrong Time
- • While work is still in progress
- • Before inspections are done
- • When contractor is working on other issues
- • Under time pressure to close out
How to Create an Effective Punch List
Schedule the Walkthrough
Schedule a formal walkthrough with your contractor present. This should be scheduled, not impromptu. Allow 2-4 hours for a thorough review.
- • Choose a time with good natural light (daytime)
- • Bring a flashlight for inspecting dark areas
- • Have your phone ready for photos
- • Bring a notepad or use a punch list app
Inspect Room by Room
Go systematically through each room, checking from floor to ceiling. Don't let the contractor rush you or dismiss concerns.
Pro tip: Start in one corner and work clockwise, checking walls, windows, outlets, trim, then floor. This ensures you don't miss anything.
Document Everything with Photos
Take photos of every item on your list. Photos prevent disputes later about what you meant or how bad an issue really was.
- • Take a wide shot showing the location
- • Take a close-up showing the specific issue
- • Use a piece of painter's tape to mark issues (remove later)
- • Include measurements when relevant
Create a Written List
Compile all items into a written document. Number each item and organize by room or category. Be specific about what needs to be done.
Example format:
- 1. Master Bedroom: Gap between baseboard and floor at NE corner, 1/4" visible (Photo 12)
- 2. Master Bedroom: Window sash doesn't lock properly, requires adjustment (Photo 13)
- 3. Bathroom: Paint drip on ceiling near exhaust fan (Photo 14)
Get Contractor Sign-Off
Have the contractor sign the punch list acknowledging all items. This creates a mutual agreement about what needs to be addressed.
- • Both parties sign and date the list
- • Note any items contractor disputes (and why)
- • Set a deadline for completion (typically 2-4 weeks)
- • Each party keeps a copy
Complete Punch List Checklist
Use this comprehensive checklist to ensure you don't miss anything.
Walls and Ceilings
Trim and Millwork
Doors and Windows
Flooring
Electrical
Plumbing
HVAC
Exterior
When to Make Final Payment
Release final payment only when ALL conditions are met:
Release Payment When:
- All punch list items complete
- Certificate of Occupancy received
- Lien releases from all subs
- All warranties received
Don't Pay If:
- Punch list items still open
- No Certificate of Occupancy
- Missing lien releases
- Contractor pressuring you
Frequently Asked Questions
What if my contractor refuses to fix punch list items?
First, remind them that final payment is contingent on completion. If they still refuse, document everything and consult a construction attorney. You may be able to hire another contractor to complete items and deduct costs from final payment, but get legal advice first.
How picky is too picky for a punch list?
Include anything that doesn't meet reasonable quality standards. A small paint drip? Include it. Baseboards slightly off in a closet? Your call. The rule of thumb: would you notice it when showing guests your new addition? If yes, it belongs on the list.
My contractor says items are "within tolerance." Is that valid?
Some things do have industry tolerances (like drywall flatness). However, visible defects that affect appearance or function should be corrected. If you disagree, reference your contract or consult an independent inspector.
How long should punch list completion take?
Most punch lists should be completed within 2-4 weeks. Set a deadline in writing. If items require ordered parts, agree on a timeline. Anything beyond 4 weeks suggests the contractor isn't prioritizing your project.
Ready for the Next Step?
Once your punch list is complete and you've made final payment, the last step is collecting all warranties and documentation for your records.