Acting as your own general contractor requires people skills, financial management, and practical judgment. First-timers must be willing to ask questions—no matter how basic—and think creatively to solve problems. While large projects like building a new home or major additions are best left to professionals, managing a moderately sized interior remodel is often within reach for a determined homeowner.
Pros and Cons
Acting as your own general contractor can save you the 20–30% profit margin professionals add to labor and materials. You keep that money in your pocket. It can also give you more control, ensuring the project matches your vision without resistance to changes.
However, the role comes with challenges. If problems arise, there’s no GC to hold accountable—you are responsible for permits, scheduling, problem-solving, and disputes. Large issues can mean stress, sleepless nights, and no easy legal recourse. A professional contractor brings experience, efficiency, and the ability to anticipate and resolve issues quickly.
For detail-oriented homeowners willing to oversee every step, managing your own remodel may be rewarding. For others, the expertise and accountability of a GC might outweigh the potential savings. Consumer surveys show satisfaction rates are similar whether you hire a GC or not—success depends on your skill, diligence, and risk tolerance.
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Hiring Subcontractors
Hiring subcontractors is one of the most critical parts of managing your own construction project. These skilled professionals—carpenters, plumbers, electricians, masons—turn plans into finished spaces. The carpenter is typically the key player, building the framework that supports wiring, plumbing, insulation, and finishes. Hire the carpenter first, then use their recommendations for other trades.
To find reliable subs, ask friends, neighbors, or visit local job sites. Supply houses and trade shops can also provide trusted contacts. Always check references from customers, suppliers, and banks, and gather multiple bids—at least two for small jobs and several for major work.
Expect scheduling challenges, as one-time clients often rank below contractors who provide steady business. Clear communication, detailed planning, and respectful collaboration will keep your project moving. Many subs take pride in their craft—tap into that motivation to achieve the best results. While general contractors often need licenses and insurance, homeowners acting as their own GC usually face no such legal requirements unless working professionally for others.
Insurance
As your own general contractor, secure a builder’s risk or fire insurance policy before construction begins. Rates are typically similar across companies due to state regulations, but confirm details with your homeowner’s insurance agent. Coverage should start as soon as materials arrive or the first worker is on-site. If you have a construction loan, your lender will require proof of coverage before closing. Once the project is complete, update the policy to standard homeowner’s insurance.
Making the Decision
Becoming your own general contractor can save money, but it demands time, organization, and commitment. The role means managing subcontractors, setting schedules, paying bills, and making every decision—big or small. You’ll face setbacks and frustrations, so weigh the potential savings against the effort required.
Expect to spend about two hours a day during construction, plus being on call for emergencies. A flexible schedule and proximity to the job site are essential. Once you take on the role, it’s difficult to hand it off without losing most of the savings.
Strong people skills are critical. You must balance firmness with subcontractors while respecting their expertise—knowing when to step back and when to step in. If you have the time, dedication, and temperament, the satisfaction of successfully managing your own project can be well worth the challenges.
Frequently Asked Questions
What does a general contractor do?
A general contractor oversees the entire construction process—hiring subcontractors, scheduling work, securing permits, managing budgets, and ensuring quality control.
Can I legally be my own general contractor?
In most states, homeowners can act as their own GC for personal projects. However, licensing and insurance requirements vary by location, so check local regulations before starting.
How much money can I save by being my own GC?
You can often save 20–30% of total project costs by avoiding a contractor’s markup on labor and materials. However, savings depend on your ability to manage time, schedules, and subcontractors effectively.
What skills do I need to be my own GC?
Strong organizational, communication, and problem-solving skills are essential. You’ll need to coordinate multiple trades, resolve issues quickly, and stay on top of deadlines.
How much time will it take?
Plan for an average of two hours a day during active construction, plus availability for site visits and urgent issues. Complex projects may require more attention.
Do I need special insurance?
Yes, you’ll typically need a builder’s risk or fire insurance policy effective before construction starts. If you have a construction loan, proof of insurance is usually required before closing.
How do I hire subcontractors?
Ask for referrals from friends, suppliers, and other trades. Check references, review past work, and get multiple bids. Always clarify timelines, scope, and payment terms before hiring.
Conclusion
Acting as your own general contractor can be a rewarding way to save money and gain full control over your construction project. However, the role demands organization, problem-solving skills, and the ability to manage multiple subcontractors while keeping the project on schedule and within budget. For detail-oriented homeowners with the time, patience, and determination, it can deliver both financial and personal satisfaction. For others, the expertise and accountability of a professional GC may be well worth the added cost. The key is to assess your resources, skills, and commitment before deciding which path is right for you.
