A dim shot of an unfinished basement space with visible framing, lit by a single work light

Risk

The Risk Memo: What to Resolve First

A written round-up of the open questions worth answering before a big home project gets underway.

A clipboard checklist with several boxes checked and a few left blank, resting on a stepladder

Most project regret traces back to a question nobody wrote down. A risk memo is just that — a short, honest list of what's still unknown before the first contractor is hired.

UnknownsPermitsContractor VettingInsurance

Write Down What You Don't Know Yet

What's behind that wall, what the soil report actually says, whether the neighbor's fence line was ever surveyed — unresolved questions don't go away because a project starts. They just get more expensive.

Vet the Contractor as Carefully as the Plan

Licensing, insurance, and a handful of recent references matter more than a polished quote. A single unresolved question about insurance coverage can turn a manageable accident into a homeowner's liability.

Homeowner note: This memo format helps you organize questions — it does not resolve legal, insurance, structural, or contractual risk. Those require a licensed professional's review.