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It is common for a contractor to ask for a down payment before starting a project, especially for jobs that require purchasing materials and equipment or hiring a crew. The deposit amount can range from 10% to 50% of the total job cost. While a request for up to 50% is not unusual, a contractor should not ask for more than that, and you should never pay for a project in full before the work has begun. To protect yourself, always discuss payment terms before starting and have a written contract that outlines the project timeline and expectations. Additionally, be sure to hire reputable contractors and check their licensing and insurance before the project begins.

Floor joists provide support and stability to the flooring installed above them, whether it be hardwood, tile, or carpet. They’re essentially horizontal beams that hold up the subfloor and everything that lies on top of it. Floor joists also help evenly distribute weight across their structure so that it’s shared between walls, beams, and your foundation.

Tipping contractors, builders, or general contractors is not customary or expected. Unlike many service professions where tipping is built into the payment structure, construction professionals typically charge a full rate for their services. However, you may choose to tip a worker for exceptional service, such as if they go above and beyond, stay late to meet a deadline, or work on a holiday weekend. Before offering a tip, it's a good idea to ask about the company's policy, as some prohibit their employees from accepting gratuities. If you want to show your appreciation for a job well done without giving a cash tip, consider writing a positive online review or offering to serve as a reference for potential new customers.

Homeowners insurance may cover damaged floor joists, depending on your policy. Insurance typically covers issues from storms, fires, or water damage from burst pipes. However, don't expect your insurance company to cover damage from wear and tear, poor maintenance, or termites.