The final walkthrough punch list before you pay
Final payment is your last leverage. Walk the job with a written list, take photos, and put anything unresolved in writing before funds are released.
Documentation to collect
- Signed permit and passed inspection records
- Manufacturer warranty registration confirmation
- Workmanship warranty in writing with a start date
- Lien waivers from the contractor and major suppliers
- Product data sheets and maintenance instructions
Exterior checks
- Flashing at all penetrations, valleys, and wall transitions
- Straight, consistent lines at courses, seams, and trim
- Gutters reattached, sloped, and draining away from the foundation
- No fastener debris in the yard, driveway, or gutters
- Landscaping and hardscape returned to original condition
Interior checks
- All fixtures operate; no drips at supply and drain connections
- Doors and windows open, close, latch, and seal
- Caulk and grout lines complete and uniform
- Paint touch-ups complete; no overspray on hardware or glass
- HVAC registers, outlets, and switches functional and covered
Put remaining items in writing
List each open item, the fix, and a completion date. Hold a proportionate retainage rather than the full balance — it keeps the relationship workable while protecting you.
Frequently asked
- How much should I hold back for punch list items?
- A common approach is holding an amount that reasonably covers the cost of the remaining work, not the entire contract balance.
- What if the contractor won't return?
- Document everything in writing, then check your state contractor licensing board's complaint process and consider a licensed inspector's written opinion.