You usually need a general contractor when a job involves several trades, permits and a schedule, such as an addition or major remodel. For a single-trade job, like a new roof or water heater, hiring the specialist directly is usually simpler and cheaper. A general contractor’s fee pays for coordination and responsibility.
Updated November 6, 2026 · Source: construction.broker planning guide (our own assumptions, not survey data); always compare written bids.
Quick Guide
General contractor: additions, whole-house remodels, kitchens that move walls or plumbing.
Specialist directly: roofing, painting, a panel upgrade, flooring.
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What the Fee Pays For
Scheduling, hiring and paying trades, handling permits, and being the one responsible. A fee of about 10–20% is a common planning figure.
Acting as Your Own General Contractor
It can save the fee, but you take on the schedule, the permits and often the legal risk. Check your local rules first.
