7 Renovation Mistakes That Cost Toronto Homeowners Thousands

Intro:
Renovating your home should add value—not drain your savings or cause stress. But in Toronto, I keep seeing homeowners fall into the same traps. These are the seven most common renovation mistakes that can cost you thousands (or worse), and how to avoid them.

1. Hiring Unlicensed or Uninsured Contractors

Many homeowners choose the cheapest quote and assume that’s the end of it. But if your contractor isn’t licensed under Toronto bylaws or doesn’t have WSIB and liability coverage, you’re fully exposed. If a worker gets injured on your property? You’re on the hook.
Avoid this: Always verify their license number with the city and ask for insurance documentation.

2. Not Getting Permits for Major Work

Adding a second unit, building an addition, or moving plumbing/electrical all require permits. Skipping permits might seem like a shortcut, but it’s a huge liability.
Consequences: You could be forced to tear the work down—or get stuck during resale.

3. Paying Too Much Upfront

Never pay more than 10–20% upfront. I’ve seen people pay 50–70% and get ghosted after demo.
Avoid this: Only pay deposits tied to clear work milestones and materials. Document everything.

4. No Written Contract

A handshake agreement means you have zero legal protection. Without a scope of work, timeline, materials list, and payment terms—good luck recovering losses.
Avoid this: Use a proper written contract with signatures and payment schedules.

5. Ignoring Product/Material Specs

Letting a contractor “handle everything” might seem easier, but vague material allowances often lead to downgraded finishes.
Avoid this: Get a list of brands, SKUs, and finish types in writing before agreeing to the quote.

6. Falling for the Lowest Bid

Lowball quotes = corner cutting, ghosting, or bait-and-switch games.
Avoid this: Get at least 3 itemized quotes. If one’s drastically lower, there’s usually a catch.

7. Not Researching the Contractor

Scammers can fake reviews, rent trucks, and steal photos.
Avoid this: Look beyond Google. Check Yelp, Better Business Bureau, and local forums. Ask for references and license verification.

Final Note:
In this market, being informed is your best defense. If you’re planning a project and want to avoid these landmines, feel free to message me. I’m happy to give advice—even if you’re hiring someone else.