Paying for a concrete project
A new driveway or patio is a real expense. Here's how payment works, what financing can do, and where insurance fits.
How payment usually works
Small repairs are paid when the work is done. Larger jobs, such as a driveway replacement or a stamped patio, usually take a deposit when the job goes on the schedule, to cover materials and the ready-mix order, with the balance due on completion. The deposit and the payment terms are written on your estimate before you sign anything. We take card, check and bank transfer.
Third-party financing
For bigger projects we can point you to third-party home-improvement financing with fixed monthly payments. The lender sets approval, rates and terms; we don't. Ask at the estimate and we'll include the information with your price so you can compare it with paying outright or using your own bank.
Phasing a project
Not everything has to happen at once. A driveway can be replaced now and the patio next spring; the worst sidewalk panels can be replaced this month and the rest lifted later. We'll lay out a sensible order, putting safety and drainage problems first.
Insurance
Homeowners insurance usually doesn't cover concrete that cracked from soil movement, age or settling. It may cover concrete damaged by a sudden event such as a vehicle, a falling tree or a broken water line, depending on your policy and deductible. If you're filing a claim, we can provide dated photos and an itemized estimate.
HOA and city notices
If you've received a notice from your HOA or a city about a broken sidewalk or driveway, bring it to the estimate. We'll price exactly what it asks for and give you the paperwork you need to show it was done.