Your contractor handed you a change order. How to tell if it's fair.
Somebody handed you a piece of paper with a number on it, and you have to decide.
By MEAA Group Consulting · Published September 2026
Most homeowners approve their first change order without knowing what a complete one looks like. That's not carelessness — nobody explains it, the document arrives mid-project when you're already stretched, and saying "let me think about it" feels obstructive when there's a crew standing around.
Here's what's actually on the page, and what's usually missing from it.
A complete change order contains six things
Many arrive with three or four. The missing pieces are where the trouble starts.
1. A description of the work, in enough detail that someone else could price it.
"Additional electrical" is not a description. "Add four recessed fixtures and one switch leg in the primary bedroom, per the markup dated the 12th" is.
2. The price change, itemized.
Materials and labor separated. A single lump number is not itemization, and asking for the breakdown is an ordinary request, not an accusation.
3. Any credit for work that's no longer happening.
This is the most commonly missing line on any change order. If the change removes something that was in the original scope, that removal has value and it should appear as a credit. A change order that only adds is worth a second look.
4. The schedule impact, in days.
Almost always omitted, and it matters twice: once because you want to know when you'll have your house back, and again because "the change orders caused the delay" is the most common explanation for a late project. Days agreed in writing at the time are far more useful than days reconstructed from memory afterward.
5. A reference to the original contract.
The change order should identify what it's modifying and what the contract sum becomes afterward.
6. Signatures and a date — before the work happens.
Most contracts require written approval before a change proceeds. A change order presented after the work is complete isn't automatically invalid, but it's a different conversation, and you should know which one you're having.
Six questions worth asking before you sign
What did the original bid include for this?
The single most skipped question, and the one you can't judge a price without. You are not evaluating a number in isolation — you're evaluating the difference between two numbers, and you've only been shown one.
Which kind of change is this?
Something you requested, something nobody could have seen, something missing from the original scope, an allowance running over, or work being redone. Ask directly. The answer changes how you feel about paying for it.
Is any of this already covered elsewhere in the contract?
On a long project with several changes, overlap happens. It's worth checking rather than assuming.
Does this change anything downstream?
Moving a wall can affect flooring, trim, electrical, and the finish schedule. A change order priced for only the visible piece can be genuinely incomplete without anyone intending it.
Where does this put the total?
Not just this one — everything approved so far, against the original contract sum. People track change orders one at a time and lose the aggregate, then get a shock at the end.
What happens if I decline?
Sometimes the honest answer is that the work genuinely can't proceed. Sometimes there's an alternative nobody has mentioned because nobody was asked. Worth finding out before you assume.
If your architect has construction-phase services
Send it to them. Evaluating change orders for design impact is part of that scope, and it's the most informed review already available to you.
If your architect's contract is design-only, that review isn't part of the agreement you signed — a normal and deliberate choice — but it's worth knowing, because it tells you where the technical read on this document is coming from.
Where this stops being a construction question
If you're being told work stops unless you sign, if a lien has been mentioned, or if you're considering withholding payment, that's a construction attorney in your state, not a consultant. The rules vary widely and the sequence matters.
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The full checklist — everything above plus the line-by-line review items — on one page you can print and keep beside the document.
This article is provided for general educational purposes only and does not constitute legal, financial, or professional construction advice. MEAA Group Consulting's services are advisory and coordination support only and do not replace any licensed professional required by state or local law. All final project decisions remain with the homeowner and the appropriate licensed professionals.