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How to compare builder quotes properly (the levelling method)

Three slab quotes land: $38,400, $43,900 and $47,200. Most people believe they’re looking at a $8,800 decision. They’re actually looking at three different scopes wearing the same trade’s name — and until the scopes are levelled, the totals mean nothing.

Why totals lie

A quote’s total is the price of what’s written in it, not the price of your job. The gap between those two things is where owner-builders lose five figures, one “that wasn’t in my quote” at a time. The cheapest total is often the emptiest scope — the contractor isn’t necessarily dishonest, they’ve just priced the smallest defensible version of the job, knowing the rest arrives later as variations at post-contract rates.

The levelling method

Levelling is what commercial estimators do to every tender package, and it works unchanged at house scale:

  1. Build the master scope list. Take the most detailed quote and list every line item down a spreadsheet. Add anything the other quotes mention that it missed. This list — not any single quote — is the job.
  2. Price every quote against every line. Fill in each contractor’s price per line. Where a quote is silent, leave the cell blank. A blank is not “included” — a blank is “unpriced”.
  3. Send the blanks back. Ask each trade to price their blank lines. An honest contractor fills them in; evasion (“we’ll sort that on site”) is information too.
  4. Compare completed columns. Now the totals are the same job, and the real spread is usually a fraction of the apparent one — with a different winner than page one suggested.

Get the working spreadsheet — free for one trade package — from the quote-levelling tool page.

The five exclusion traps to hunt first

Trap What it looks like What it costs later
Rock clause “Excavation in other than natural soil excluded” Rock is charged at machine day-rates + haulage
Pump hire Silent on concrete pumping $800–$1,500 per pour, several pours
Allowance lowballs Tiles at $28/m², tapware at $600/bathroom The gap, at retail, at selection time
Site access assumptions “Clear level access assumed” Crane or labour surcharges announced mid-job
Provisional sums Big round numbers for siteworks PS items reprice at cost-plus with no ceiling

Allowances: where cheap quotes hide their cheapness

Prime cost (PC) and provisional sum (PS) items are legitimate tools — nobody can price your unchosen tiles. But they’re also the easiest place to make a total look small. The test is realism: a $28/m² tile allowance doesn’t survive contact with a tile shop, and the difference lands on you.

Benchmark every allowance against realistic ranges — the PC/PS benchmark tool does it in two minutes — then ask trades to re-quote unrealistic ones before signing. Watch the quote that resists.

Reading the contractor, not just the quote

  • Itemises willingly, answers the blanks quickly → prices like someone who expects scrutiny.
  • Big deposit request → run it through the deposit checker before anything moves.
  • “We’ll sort it on site” as a recurring answer → that’s the variation pipeline being built in front of you.
  • The quote that got more detailed when questioned is usually the one to shortlist, whatever its total.

When to get help

Levelling one trade package yourself is a Saturday. Levelling every major package across a whole build, against current market rates, while trades pressure you to sign — that’s the moment a $290 Quote Teardown pays for itself in the first finding.

Holding quotes right now?

The $290 Quote Teardown finds the gaps before you sign — written findings and a call, within 48 hours.

Free QuizBook Review — $290