The second half falls due twelve months after practical completion, by which point the job is closed, the file is archived and the person who would have chased it is on three other sites. It is rarely a dispute. The date passed and nobody applied.
Most small contractors find out whether a job made money when the final account is agreed. By then the same mistake has been repeated on the next two.
Retention accumulates from each certificate until it hits the ceiling in the contract, usually five per cent, at which point it should stop. In practice it often does not, because nobody is comparing the running total to the limit.
Verification, deduction statements, monthly returns and the reconciliation at year end. All of it necessary, none of it billable.
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