It's all too easy to be caught up in the excitement of homebuilding.

In the beginning, before the construction begins there's a honeymoon period. Everything's rosy. You're visualizing where the overstuffed chair and ottoman will look best in the living room. The abundance of closet space you'll enjoy. The dinner parties you'll have. The smile that you'll wake up wearing every single day from now on. And in your happy haze, you forget to ask the questions that can protect you after closing.

The -- when the bubble bursts (as it sometimes does) -- you may be shocked if your contractor hasn't completed your home in the manner you expected.

Building a home requires active participation on the part of the homebuyer. It's never a situation in which you can give your contractor a list of criteria, point him in the general direction of the property, and then come back several months later ready to move into assured utopia. If you've made the decision to build a home, your participation starts as soon as the contractor's does, and you'll need to remain actively involved throughout the entire process. Before anyone starts hammering, you'll need to have a detailed meeting with your contractor, and discuss the following:

• Has your contractor obtained all of the permits required to begin the construction of your home?

• Is the contractor insured and bonded as required by local regulations? Are all workers covered with appropriate workman's compensation? Ask for a copy of the company's proof of insurance before construction begins.

• What is the general work plan for the construction of your home?

• What is the agreed-upon start and finish date? How long can construction be delayed in the event of bad weather or supply shortages?

• Do you have a written list of the appliances to be installed, with brands, model names, and product numbers? Make sure you receive all receipts, warranties and associated product information for each appliance and system.

• Do you have the contractor's contact information in the event a subcontractor fails to report to the job? What will be your recourse if that happens?

• Establish a schedule of status meetings, each one including a walk-through, with your contractor to address any issues as they arise, and to avoid surprises at the end. Alternatively, consider the use of a professional home inspector to examine the property when the foundation is poured, the framing is up but not closed, and the property is ready for delivery.

To the extent possible, try to determine the features you want before construction begins so you can avoid "changing the course" while the home is being built. You'll save headaches and money.

Published: December 14, 2000

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