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Choosing a Contractor2 min read

Snagging Your London Extension or Conversion: What to Check Before Signing Off

Snagging is the process of identifying and recording defects and unfinished items in a completed building project before making the final payment. It is one of the most important — and most misunderstood — stages of any London extension, loft conversion, or refurbishment project. Done well, snagging protects you as the homeowner: you have leverage (the final payment) and you have a clear record of what needs to be fixed before you pay for work that is not complete or compliant. Done poorly (or skipped altogether), you lose that leverage and face months of chasing an unresponsive contractor for minor defects that accumulate into major frustrations.

Key Takeaways

  • Snagging is done at substantial completion — before the final payment. This is the moment of maximum leverage: the final payment (or retention) is withheld until the snagging list is confirmed complete. Never pay the final payment before inspecting and agreeing the snagging list — once the contractor is paid in full, the commercial incentive to return for snags disappears
  • How to record snags: numbered entries, specific location, precise description, photo reference — never vague. Share the list in writing (email) to the contractor immediately after the inspection with a clear statement that final payment is conditional on satisfactory completion of all items. Request confirmation of the contractor's programme to address each snag
  • Room-by-room checklist: external brickwork/render/flat roof/rooflights; internal plaster (straight-edge test); painting (drips/runs/missed patches); floors (level, flat, no squeaks); skirting and architrave joints; doors (operation, fire door self-closing); windows (trickle ventilators present and operable); kitchen and bathroom silicone seals; electrics (sockets flush, fittings working); extract fans commissioned; smoke alarms interconnected and working
  • Defects Liability Period (DLP): contractual period of 6–12 months after practical completion during which the contractor must return and make good defects that appear in the works. Covers defects from workmanship/materials; does not cover homeowner misuse or fair wear and tear. Financial retention (typically 3–5% of contract value) is held and released at end of DLP — or in two stages (50% at practical completion, 50% at end of DLP). Smaller contractors often resist retention — ensure defects liability clause is explicit in the contract even without financial retention
  • Dispute escalation: (1) written notice with deadline; (2) mediation (FMB mediation for FMB members; RICS conciliation; CIDR mediation — faster and cheaper than litigation); (3) adjudication under the contract (fast — 28 days to decision); (4) small claims court (up to £10k) or county court for larger claims. Professional snagging surveyor (RICS-chartered, £300–£800) is worth commissioning for high-value projects or where disputes are anticipated

What is snagging, when to do it, and what to look for

**What is a 'snag'?**

  • A snag is a defect, an unfinished item, or an item that does not meet the specified or agreed standard. Snags are different from variations (changes to scope agreed during the project) — they are failures to complete or comply with what was already agreed. Common examples:
  • A painted surface that has drips, runs, or missed patches
  • A door that does not close fully or binds in the frame
  • Tile grout that is uneven, cracked, or insufficiently filled
  • An electrical socket that is not flush to the wall
  • A window that does not open and close smoothly
  • A skirting board with a visible gap at the corner joints
  • Plaster that is not smooth and has hollows or ridges
  • A floor that squeaks or flexes underfoot
  • External pointing that is crumbling or poorly finished
  • An extract fan that has not been commissioned or does not run

Most snags are minor — they are the typical imperfections that occur in any construction project and are expected to be remediated by the contractor before final handover.

**When to do the snagging inspection**:

The snagging inspection should take place when the contractor declares the works substantially complete — but BEFORE the final payment is made. 'Substantial completion' means that the works are sufficiently complete for the homeowner to occupy and use the space, with only minor items remaining. It does not mean the works are perfect.

  • The timing matters:
  • *Too early*: Snagging when there is still significant work to complete produces a list that will be superseded — there is no point snagging plastering when the painter has not yet finished
  • *Too late*: Making the final payment before snagging removes the homeowner's financial leverage — the contractor has been paid in full and has no commercial incentive to return for snags

The ideal sequence: 1. Contractor declares substantial completion 2. Homeowner walks the project and prepares a snagging list 3. Snagging list agreed (in principle) with the contractor 4. Contractor remediates snags (typically within 2–4 weeks) 5. Homeowner re-inspects and confirms snags addressed 6. Final payment released

**What to bring to a snagging inspection**:

  • *Equipment*:
  • A torch (for inspecting dark corners, inside cupboards, under kick-boards)
  • A spirit level (for checking level of worktops, tiles, shelves)
  • A straight edge (1m or 2m aluminium straight edge for checking flat plaster surfaces)
  • A smartphone with camera (for photographing every snag)
  • A notepad or a snagging app (Snagr, PlanGrid, or a simple numbered list in Notes)
  • *Documents to have to hand*:
  • The agreed specification (the scope of works or contract schedule): what was agreed in terms of materials, finishes, and quality standard
  • Any drawings or plans referenced in the contract
  • Manufacturer specifications for any products installed (tiles, worktops, kitchen, bathroom fittings) — to compare against what is actually installed

**Room-by-room snagging checklist for a London rear extension**:

  • *Structural and external*:
  • External brickwork: joints raked out and pointed consistently; no cracks; no mortar droppings; expansion joints where specified
  • External render (if applicable): no cracks, crazing, or hollow sections (tap with knuckles for hollow sound indicating delamination); finish texture consistent
  • Flat roof: falls adequate (no ponding visible); upstand height adequate (minimum 150mm); membrane lapped and sealed at all penetrations; drainage outlets clear and unobstructed
  • Rooflights: glass undamaged; frame seals intact; opens and closes smoothly
  • Rainwater goods: gutters aligned and fall correct toward downpipes; downpipe connected to drain (not discharging onto patio)
  • Cavity wall: weep holes present in outer leaf (every 3–4 courses above cavity tray level)
  • *Internal — general*:
  • Plaster: run the straight edge across all plaster surfaces; any deviation of more than 3mm in 1.5m should be queried; plaster should be clean, smooth, and free from cracks (hairline shrinkage cracks are expected in fresh plaster but should be pointed out)
  • Painting and decorating: all surfaces painted to agreed finish (matt, eggshell, or gloss as specified); no drips, runs, or missed patches; two coats minimum on new plaster
  • Floors: timber floor level and flat (no excessive springiness); tiles level and grout joints consistent and fully filled; screed flat (max ±3mm in 2m for a standard screed)
  • Skirting boards: all mitres and butt joints tight; no gaps at floor level; painted consistently with walls
  • Architraves and door casings: mitred corners tight; consistent reveal gap around all doors
  • Ceiling: flat and painted; plasterboard joints not visible (especially critical in rooms with raking light)
  • *Joinery and fittings*:
  • Doors: all doors open and close without binding; latches engage fully; door stops fitted; fire doors close fully from any open position; hinges and ironmongery all tight
  • Windows: open, close, and lock smoothly; trickle ventilators present and operable
  • Kitchen: all units level and aligned; doors all in plane; worktop edges and joints sealed with silicone; kick-boards all fitted; appliances connected and operational
  • Bathroom: all sanitaryware secured; silicone sealed at bath/shower tray perimeters (no gaps); shower enclosure doors open and close smoothly; WC flush mechanism operational; extract fan operational
  • *Electrics and plumbing*:
  • All sockets and switches flush to wall and cover plates tight
  • Light fittings all present, working, and fully fitted
  • Extract fan runs (and runs on timer/humidity sensor if specified)
  • All taps: hot and cold water running from all taps; no drips or leaks at supply or waste connections
  • Heating: if UFH, confirm manifold commissioning and zone operation; radiators if fitted — heat up correctly and bleed valves accessible
  • Smoke alarms: all interconnected alarms operational (test with test button); CO alarm present if gas appliance installed

Recording snags, the snagging list format, and engaging a professional snagger

**How to record snags effectively**:

A snagging list needs to be specific, numbered, and referenced to a location — not vague. Compare:

*Vague (not useful)*: 'Plastering needs attention'

*Specific (useful)*: 'Kitchen — north wall (window wall) — plaster finish rough and inconsistent in 600mm × 400mm area to right of window frame at approximately 1.5m height. See photo #12.'

  • *Template for each snag entry*:
  • Snag number (sequentially numbered)
  • Location (room, wall, surface — be precise)
  • Description (what the defect is, including dimensions where relevant)
  • Photo reference (photo filename or number)
  • Agreed action (once agreed with contractor — e.g., 'make good plaster and repaint' or 'adjust door frame'
  • Completion date (when the contractor agrees to complete)
  • Status (open / in progress / complete — updated after re-inspection)

**Sharing the snagging list with the contractor**:

  • Send the snagging list to the contractor in writing (email is fine — it creates a record). The covering message should:
  • Reference the contract and the project
  • State that the snagging list is provided following the inspection of [date]
  • Request confirmation of the contractor's programme for addressing each snag
  • State that the final payment will be released once the snagging list is confirmed as complete to the homeowner's satisfaction

**Professional snagging surveyors**:

For significant projects (whole-house refurbishments, complex extensions, high-value loft conversions), some homeowners engage a professional snagging surveyor — typically an independent building surveyor (RICS-chartered) or an architect — to carry out the snagging inspection on their behalf.

  • *Advantages*:
  • Professional surveyors know what to look for and will identify technical snags that a homeowner might miss (inadequate plaster tolerance, non-compliant installation of fire doors, ventilation not commissioned)
  • Their written snagging report carries more weight than a homeowner's list when the contractor disputes items
  • RICS-chartered surveyors can provide formal certification that the works are or are not complete and compliant

*Cost*: £300–£800 for a professional snagging inspection and report for a typical London extension; higher for more complex projects.

**Retention — the financial mechanism for ensuring snagging is completed**:

  • In many standard building contracts (JCT Minor Works, JCT Homeowner/Occupier), a retention is held from interim payments — typically 3–5% of the contract value. The retention is released in two stages:
  • *50% of retention at practical completion*: Released when the certificate of practical completion is issued
  • *50% of retention at the end of the defects liability period (DLP)*: Released 6–12 months after practical completion, after the contractor has attended to any defects notified during the DLP
  • For a £100,000 extension contract with 5% retention:
  • £5,000 retention is held during the works
  • £2,500 is released at practical completion
  • £2,500 is held for 6–12 months (the defects liability period) and released after defects are addressed

Many smaller residential contractors resist retention — if a contractor insists on full payment at practical completion, ensure the snagging list is agreed and the contract includes a defects liability clause (even without financial retention, the contractor has a contractual obligation to return and rectify defects during the DLP).

Defects liability period, contractor disputes, and escalation

**The Defects Liability Period (DLP)**:

The defects liability period (also called the rectification period in some contracts) is a contractual period — typically 6–12 months after practical completion — during which the contractor is obliged to return and make good any defects that appear in the completed works. The DLP is not a warranty period — it does not cover defects caused by the homeowner's misuse or fair wear and tear; it covers defects arising from the contractor's workmanship or materials that become apparent after the works are handed over.

  • *What the DLP covers*:
  • A crack that appears in new plasterwork 3 months after completion (possibly due to shrinkage that was not properly managed at the time of plastering)
  • A flat roof membrane that begins to delaminate at a detail within 6 months of completion (indicating an inadequate adhesion at installation)
  • A door that begins to stick in winter (indicating the door was hung with insufficient clearance for seasonal timber movement)
  • A trickle ventilator that does not operate (installed but not commissioned)
  • *What the DLP does not cover*:
  • A crack caused by the homeowner hanging a very heavy picture with an inadequate fixing
  • Condensation caused by the homeowner's very high moisture generation without adequate ventilation
  • Wear and tear on floor finishes

*During the DLP*: keep a log of defects as they appear; notify the contractor in writing (email) as they occur; give the contractor a reasonable time to attend and remediate; do not withhold payment for items notified during the DLP (the snagging process at practical completion is the moment for leverage — the DLP process is the follow-up).

**What to do if the contractor refuses to return for snags or defects**:

*Step 1 — Written notice*: Send a formal written notice (ideally by recorded letter and email) identifying the snags or defects and giving a specific deadline for remediation (typically 14–28 days).

*Step 2 — Mediation*: If the contractor does not respond, suggest mediation through a recognised service — FMB offers a mediation service for disputes involving FMB members; RICS conciliation and mediation is available for larger disputes; the Construction Industry Disputes Resolution Service (CIDR) offers mediation. Mediation is significantly cheaper and faster than litigation.

*Step 3 — Adjudication or arbitration*: If mediation fails, the contract may contain an adjudication clause (required for contracts above a certain value under the Housing Grants, Construction and Regeneration Act 1996 — though this applies to commercial contracts above £0 where the project is a 'construction contract'). Adjudication is fast (decision typically within 28 days) and enforceable.

*Step 4 — Legal action*: Small claims court (up to £10,000 in England) for minor snagging costs; county court for larger claims. Get legal advice from a solicitor specialising in construction disputes before starting legal action — costs can exceed the disputed amount if not managed carefully.

*Step 5 — If the contractor has left the industry or gone insolvent*: Check whether a structural warranty is in place (may cover major defects directly); check if the contractor was registered with a trade association that has a compensation scheme (FMB has a deposit protection scheme for members); seek legal advice on options for recovery from an insolvent contractor.

Frequently Asked Questions

When should I do my snagging inspection?
Snagging should be done when the contractor declares the works substantially complete — all major works are finished, the space is habitable, and only minor finishing items remain — but BEFORE you make the final payment. This is the moment of maximum leverage: you still have money to withhold if the contractor disputes the snag list. Do not make the final payment and then hope the contractor returns to fix items — most contractors have little commercial incentive to return for free work after they have been paid in full. If the contractor is pressing you for the final payment before you have inspected, ask for 24–48 hours to carry out your inspection and compile your list — any reputable contractor will agree to this.
Can the contractor refuse to accept a snag I've identified?
A contractor may dispute a snag — arguing that the item meets the agreed standard, was not part of the original scope, or is a result of the homeowner's own actions. Where a snag is disputed: (1) refer to the contract specification and agreed drawings — if the spec says 'smooth plastered finish' and the surface is noticeably rough, the spec supports the snag; (2) seek an independent opinion from a building surveyor or your architect if one is involved in the project; (3) use the formal dispute resolution mechanism in the contract (mediation, adjudication, or arbitration). A contractor who categorically refuses to address clearly legitimate snags — visible drips of paint, doors that do not close, incomplete silicone sealing — is acting in breach of contract and the homeowner should take legal advice.
What is a professional snagger and should I hire one?
A professional snagger is typically a building surveyor (ideally RICS-chartered) or an experienced construction professional who carries out a systematic inspection of completed building works on your behalf, produces a detailed written snagging report, and sometimes re-inspects to confirm snags are addressed. They cost £300–£800 for a typical London extension. They are worth hiring where: the project is high-value (refurbishment or extension above £80,000); the finish standard is high (expensive tiles, bespoke joinery, polished plaster); the relationship with the contractor is difficult and you anticipate disputes; you are not confident in your ability to identify technical defects (inadequate fire door clearances, non-compliant ventilation installation, drainage compliance). For a straightforward small extension with a well-known and trusted contractor, a systematic homeowner snagging inspection following the checklist approach above is usually sufficient.

Important Note

This guide is for general information only. Building regulations, planning rules, and legal requirements change regularly and vary by local authority. Always seek professional advice specific to your project and location. RCB Design & Build offers free initial consultations — book your free survey.

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