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Also separate genuine fixed prices from allowances. A kitchen number can look firm while cabinetry changes, appliance connections or wall repairs sit elsewhere. Before locking the contingency, I’d want moisture readings around wet areas, some understanding of underfloor plumbing access, and...

At this stage I’d allow around 15%, with room to move toward 20% if access for inspections is limited. Ask every contractor to list exclusions, not just inclusions—especially demolition, disposal, protection, making good, electrical rectification after the “checks,” and plumbing work below...