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Also, can the plumbing be reached without removing finished surfaces, and will the house be empty during the work? Access and occupancy could change the sequence considerably. I’d ask the surveyor to distinguish cosmetic damp from an unresolved source and to flag anything that might turn the...

I would provisionally hold 15%, rising toward 20% if plumbing routes cannot be inspected or there are signs of persistent moisture. Ask each contractor to define whether “electrical checks” includes only testing or also remedial work, and whether bathroom pricing includes opening and reinstating...