Completing your building or renovation project is a huge moment—one that comes after months of planning, decisions, and coordination with your architect and builder. As you prepare to enjoy the results, there’s one final but important step to take: understanding your Certificate of Completion.
This document, sometimes called a Practical Completion Certificate, confirms that all major works have been completed to the agreed standard. While there may be a few small snagging issues still to resolve, the property is now safe to occupy. Your architect, project manager, or builder typically issues the certificate, marking the formal end of the construction phase.
Why is this certificate so important? Think of it as your project's official sign-off. It protects you legally by transferring responsibility from the contractor to you, the client. It also provides the necessary assurance to mortgage lenders, who often require it before releasing final funds. Insurers may also need it before your policy kicks in—so it’s more than just paperwork; it’s proof that your home is ready.
The certificate usually includes three key things:
- A confirmation that the building work complies with relevant regulations.
- A list of any remaining minor defects (snagging).
- The date of practical completion or handover.
Keeping this document safe is essential. It may be needed down the line—whether for selling your home, making an insurance claim, or planning future renovations.
In short, your Certificate of Completion is a simple but crucial piece of documentation. It brings peace of mind and marks the start of the next chapter in your home or building journey.
by Kevin Knox