General Contractor Vs. Subcontractor: Who Should Handle Your Home Renovation?

By Robbie Mahallati

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03.27.2025

When embarking on a significant home remodeling project, homeowners often face a crucial decision: to hire a general contractor or engage specific contractors for different aspects of the work. While both play important roles in construction, they have significantly different responsibilities and expertise.

Understanding the general contractor vs. subcontractor dynamic is critical in making the right choice for your project. Let’s break down the key differences and why hiring a general contractor is often the smarter decision. Let’s get started!

Understanding the Roles: General Contractor vs. Subcontractor

general contractor oversees an entire project, manages every aspect, obtains permits, schedules subcontractors, and ensures workers complete the job correctly and on time. They act as the single point of contact for homeowners, coordinating everything from material sourcing to quality control. General contractors handle a wide range of tasks and are typically involved in large-scale projects that require multiple trades and skills.

subcontractor, on the other hand, specializes in one specific trade. Whether it’s plumbing, electrical work, roofing, or carpentry, subcontractors bring expertise in their field but do not manage the overall project. Instead, the general contractor hires them to complete specific tasks within a larger renovation.

Why Choose a General Contractor?

Let’s go over the reasons for choosing a general contractor vs. subcontractor for your home renovation project:

1. Comprehensive Project Management

At Matrix Construction, we manage the complexities of construction from start to finish. A home renovation isn’t just about hiring a plumber and an electrician—it’s about coordinating their work, ensuring inspections are passed, and keeping everything on schedule. Without a general contractor, the homeowner takes on this burden, which can quickly become overwhelming.

For example, if workers install plumbing before they complete framing, they might need to redo the pipes. A general contractor prevents such costly mistakes by scheduling tasks in the correct order.

2. Risk Mitigation & Problem-Solving

Renovation projects rarely go exactly as planned. Unforeseen issues, such as hidden structural damage or supply chain delays, can derail a timeline and inflate costs. A general contractor anticipates these challenges and has contingency plans in place.

3. Access to Skilled Subcontractors

General contractors have established relationships with trusted subcontractors. This means better work quality, fair pricing, and accountability. Homeowners who hire subcontractors directly often struggle to find skilled workers and end up with inconsistent results.

4. Time and Cost Efficiency

While some homeowners believe hiring subcontractors directly saves money, the reality is that poor coordination and mismanagement often lead to costly delays and do-overs. General contractors streamline the process, preventing budget overruns and missed deadlines.

5. Legal Compliance & Permits

Many homeowners underestimate the importance of permits and local building codes. General contractors handle this process, ensuring that all work meets legal requirements. Hiring subcontractors directly means the homeowner is responsible for permits, inspections, and ensuring compliance.

Read on to see a real-life example of such a situation!

The Pitfalls of Managing Subcontractors Yourself

Hiring individual subcontractors might seem like a way to cut costs, but it often leads to more problems than solutions. Here are real-life examples from our own experience:

1. Rebar Installation Disaster

One time, we walked onto a job site and immediately noticed something was off. The subcontractor responsible for installing rebars in the footing had placed the bars completely wrong. Let me break down the basics for those less familiar with construction. In a building, a concrete column plays a critical role—it supports the structure’s weight and transfers that load down to the footing and ground. To reinforce the concrete and ensure it can handle these forces, steel rebars (reinforcement bars) are embedded inside. Without properly installed rebars, the entire building’s structural integrity could be compromised. So, as you can imagine, this isn’t just a minor detail—it’s absolutely vital.  

Now, here’s what went wrong on this job: The contractor made two major mistakes. First, they cut the rebars in places where they should have been continuous, severely weakening the column. Second, instead of installing the required three rows of rebar, they only used two. These errors don’t just deviate from the design—they put the entire structure at risk (see Figure 1).  

Figure 1

Figure 2


Now, why did this happen? They were following a 2D drawing but didn’t have the experience to visualize how the reinforcement should be arranged in the actual foundation. If we hadn’t stepped in, the concrete would have been poured incorrectly, resulting in a structurally compromised foundation. To fix it, we created a 3D model to help the subcontractor understand how the rebar should be installed properly. Once they had a clear guide, they were able to correct their mistake and finish the job correctly. This kind of oversight is exactly why a general contractor is crucial for quality control.

Figure 3

2. Digging a Basement Without Underpinning

Imagine hiring someone to dig out a basement, only to find out they put your entire house at risk of collapse. That’s exactly what happened when a homeowner hired a subcontractor to dig their basement without consulting an engineer or installing underpinnings to support the foundation. Robbie, as a HUD Consultant, faced this situation. The whole structure and even the neighbor’s building were in danger. The homeowner had to pause the project and pay thousands for emergency repairs, and the entire process became a nightmare. This would have never happened if a general contractor had been involved from the start because underpinning would have been planned properly before digging began.

Figure 4

3. Taking Down Walls Without a Permit

Three years ago, a homeowner wanted to convert their single-family home into a triplex. They had a tight budget, and we warned them not to start tearing down walls without the proper permits. However, they decided to hire individual subcontractors to do the work instead, thinking it would save them money. Fast forward three years, and their project was still unfinished. Why? Because they didn’t have the required permits. The biggest issue? Subcontractors only focus on their specific tasks—plumbers just do plumbing, electricians just do wiring, and so on. They don’t think about the bigger picture. If this homeowner had hired a general contractor, everything would have been done legally, efficiently, and on time.

Figure 5

Making the Right Choice for Your Home Renovation

When comparing a general contractor vs. subcontractor, the choice depends on the complexity of the project and the homeowner’s level of experience in construction management.

Choose a General Contractor if:

  • You want a single point of contact for the entire project.
  • The renovation involves multiple trades (plumbing, electrical, carpentry, etc.).
  • You have limited knowledge of construction processes and permits.
  • You need the project to be completed efficiently and on schedule.

Hiring Individual Subcontractors Might Work if:

  • You have significant construction experience.
  • The project is very small, such as painting a room or replacing a single fixture.
  • You are comfortable handling scheduling, materials, and inspections on your own.

Final Thoughts

In this article, we discussed general contractor vs. subcontractor topics from different aspects. At Matrix Construction, we’ve seen too many homeowners take the subcontractor route, thinking they’re saving money, only to end up spending more due to mismanagement, delays, and costly mistakes. The reality is that hiring a general contractor ensures a smoother, safer, and more cost-effective renovation.

If you’re planning a home renovation and want it done right, let us handle it for you. With our expertise, connections, and experience, we’ll take the stress out of your project so you can enjoy the results without the headaches.

Ready to start your renovation? Contact Matrix Construction today!

Author

  • Robbie Mahallati

    Robbie Mahallati is a HUD-approved FHA 203(k) Consultant who has been helping homeowners with their home renovation projects for over 25 years. He can help guide anyone buying and renovating a house through the complicated 203(k) process. His ultimate goal is to help you understand the 203(k) process so you can renovate your house making it into the home of your dreams!

    View all posts

Author

  • Robbie Mahallati

    Robbie Mahallati is a HUD-approved FHA 203(k) Consultant who has been helping homeowners with their home renovation projects for over 25 years. He can help guide anyone buying and renovating a house through the complicated 203(k) process. His ultimate goal is to help you understand the 203(k) process so you can renovate your house making it into the home of your dreams!

    View all posts

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