The Deconstruction Podcast

When you get paid for a job in Ontario, part of that money already belongs to the subs and suppliers on it. Spend it on another job's payroll and you can be sued personally, even if you never took a dollar for yourself.

Kosta and Johny break down an Ottawa court case where a contractor didn't pay its supplier in full and the judge held both owners personally liable. They walk through how a normal week of paying whatever is due next turns into a breach of trust, whether you need a separate bank account for every job, and what subtrades can do when the GC got paid and they didn't.

Both sides of this come down to knowing where each job's money went. Jobtable posts your receipts and timesheets to the job they belong to, so every job shows its own costs and profit.

👉 Learn more at https://www.jobtable.com

Ontario's Construction Act: https://www.ontario.ca/laws/statute/90c30

New episodes every week. Subscribe so you don't miss one.

00:00 – New in Jobtable: name your quotes and invoices
02:58 – One bank account or several?
03:53 – The Ottawa case: two owners personally liable
07:35 – Whose money is a progress draw?
12:35 – Dave the electrician: a normal week that breaks the rules
19:56 – Is Dave the bad guy? Cash flow and building a bankroll
27:17 – Separate bank accounts, job costing and your paper trail
31:50 – When the GC gets paid and you don't

A Toronto restoration contractor defaulted on nearly $28 million, and more than 140 subtrades were still on its projects. If you're a subtrade waiting 60 days on an invoice, the question is simple: what happens to your money when the company above you can't pay?

Kosta and Johny break down the Brook Restoration receivership and what it means for anyone working under a GC. Johny explains why staying on your receivables from day 31 matters more than any contract clause, how lien deadlines actually work in Ontario, why a sloppy invoice hands the GC an easy excuse to stall, and why his crews don't move without a signed purchase order.

Every protection they talk about comes back to paperwork: proper invoices sent on time, signed change orders, and daily logs with photos. Jobtable keeps all of it attached to the job, so the record is there if you ever need it.

👉 Learn more at https://www.jobtable.com

New episodes every week. Subscribe so you don't miss one.

00:00 – New in Jobtable: bill expenses as line items, one-click invoicing
04:05 – Brook Restoration's $28M default and 140+ subtrades
06:33 – Warning signs, bonding, and staying on your receivables
11:45 – Liens, lien deadlines, and Ontario's prompt payment rules
20:10 – Proper invoices and the carbon-copy problem
24:29 – When a new contractor takes over mid-project
26:03 – Quick-pay terms and why diversifying is harder at scale
32:41 – Paper trails, daily logs, and no work without a signature

Mattamy's founder is putting a fully automated factory in the Toronto area with a target of 3,000 housing units a year. If that works, the labour bill on a new build drops by roughly $60,000 a house. That money is coming out of somebody's pocket, and if you swing a hammer for a living, it might be yours.

Kosta and Johny game this one out. How long until the factories are actually producing at scale, which trades get squeezed first, whether the savings ever reach the homebuyer, and what happens when a company like Amazon looks at the model and decides to build houses too. Johny pushes back hard on the workmanship side. Kosta thinks the robot-built homes end up better than what the subdivisions are putting out now.

The part every contractor should sit with is the back half of the conversation: service work. There are roughly 160 million existing homes in North America and about 1.5 million new ones a year, so new construction is around 1% of the stock. The other 99% still breaks. If you run a trades business and your revenue is tied to new builds, this is the episode to listen to twice. Jobtable helps you run the service side properly, with recurring jobs, scheduling, and invoicing in one place.

👉 Learn more at https://www.jobtable.com

New episodes every week. Subscribe so you don't miss one.

00:00 – Dark mode and the QuickBooks sync overhaul are live
02:00 – Mattamy, Stelumar, and a factory aiming at 3,000 homes a year
05:30 – The labour math: $4,000 per trade, per house
07:30 – Will the savings ever reach the homebuyer
11:50 – Factory quality vs site-built workmanship
13:30 – Which trades get squeezed first
19:40 – Why the pivot is service work
28:00 – What happens when Amazon decides to build houses
30:30 – 160 million existing homes and the repair market
37:30 – How many years away is this really

Your general liability premium went up again this year, and unlike tariffs, there's nobody to blame and no easy way to put it on an invoice. The average GC doing $5M in revenue is paying about $48,000 more in premiums than they were two years ago. Most contractors are absorbing all of it.

Kosta and Johny break down what's actually driving the increase, including the new coverage requirements (pollution and cyber) that builders are starting to demand on startup documents. Johny walks through what happened when he finally took a 15-year insurance relationship to market after another 20% hike, and what it saved him. They also get into the Fed's rate cut and what it might do to renovation work, plus a real conversation about AI answering services and whether they help or quietly damage your client relationships.

If your overhead keeps climbing while your prices stay flat, the fix usually starts with knowing what each job actually costs you. That's the part Jobtable handles, so your receipts, job costs, and invoices all live in one place instead of a truck console and three spreadsheets.

 👉 Learn more at https://www.jobtable.com

New episodes every week, subscribe so you don't miss one.

00:00 – Intro
00:56 – Contractor insurance is up 22% this year
02:52 – Cyber and pollution insurance: the coverage GCs now ask for
04:43 – 15 years with one broker, then taking it to market
09:32 – Should you price insurance increases into your jobs?
22:25 – Rate cuts, the housing market, and renovation work
29:32 – AI answering services and 60 calls a day
40:06 – Charging more because a human picks up

You can have every crew working, every truck rolling, and invoices going out the door, and still watch money leave the account for five months straight. Charlie ran into exactly that this year, and the only reason he caught it early was that his labor numbers were sitting on his phone instead of buried in the office.

Kosta and Charlie get into what a losing stretch actually looks like from inside a commercial plumbing company: rain-delayed underground work, engineers stopping crews mid-shift, remobilizing six guys for the third time, and the labor budget burning down before 10% of the job is finished. Charlie also covers why he went back to laying out jobs himself, how he manages 25 to 30 guys who all handle stress differently, the employee everyone knew should have been gone months earlier, and the point where a bad client costs you more than they pay you.

If job costing is something you plan to get to eventually, this is the episode that explains what it costs to keep putting it off. Jobtable tracks every dollar against the job it belongs to, so you can pull up a project on your phone and know where you stand in about ten seconds. 👉 Learn more at https://www.jobtable.com

New episodes every week. Subscribe so you don't miss one.

00:00 – Intro and a review from a Vancouver contractor
04:52 – Five months of losing money while staying busy
07:11 – Why the owner went back to laying out jobs himself
09:52 – The job costing red flags that caught it early
17:20 – Logging receipts to a job in seconds with AI
19:07 – Burnout, stress thresholds, and how owners cope
35:07 – The employee they couldn't afford to fire
40:12 – When it's time to fire a client

Your calendar is packed through August and your revenue looks great. Then the quarter closes, you sit down with your accountant, and the profit isn't there. Kosta and Johny get into why that happens every summer and what actually moves the margin.

This one covers auditing your own expenses (including a company quietly spending $2,200 a month on printing that dropped to $900), whether you should raise prices when you're booked solid, how to calculate overhead and profit properly instead of slapping a flat percentage on your cost, and the red flags that tell you to walk away from a job before you price it. Johny also gets into the bid that ended in a lawsuit, and why he still won't quote for anyone he hasn't had a conversation with. Second half is about recurring revenue: maintenance plans, service divisions, and the home service businesses quietly running 70 jobs a day.

If any of this sounds like your business, Jobtable handles the recurring side (schedules, invoices, job costing) so the admin work stops being the reason you don't offer it.

 👉 Learn more at https://www.jobtable.com

New episodes every week, subscribe so you don't miss one.

00:00 – Intro and a review from Right On Construction
01:37 – Jobtable updates: recurring jobs, new schedule, AI receipt scanning
07:46 – Why peak season revenue doesn't show up as profit
09:24 – Auditing your own expenses (the $2,200 printing bill)
13:20 – Should you raise prices when your calendar is full?
19:12 – Overhead and profit: how to actually calculate a price
26:15 – Saying no: red flags, dangling carrots, and a lawsuit
40:00 – Recurring revenue and the home services nobody thinks about

Homeowners are quietly changing how they find a contractor, and most companies haven't caught up. AI-first searches are converting at more than double the rate of a regular Google search, and if your business isn't set up to show up there, you're losing jobs to someone who is.

This episode covers three things hitting contractors right now: the federal government's new $6 billion apprenticeship program and whether it will actually fix the shortage, why 62% of homeowners say they're more likely to move forward on a project when financing is offered, and the shift toward AI-first contractor searches, including the exact steps to start showing up in those results.

Jobtable makes it simple to capture reviews automatically after every job, offer financing through Stripe, and keep your business running without extra admin work.

 👉 Learn more at https://www.jobtable.com

New episodes every week, subscribe so you don't miss one.

00:00 – Intro and listener review
02:13 – Canada's $6 billion apprenticeship program
07:45 – Why only 1 in 3 apprentices complete certification
20:08 – The ratio problem nobody's fixing
27:34 – Homeowners are sitting on $180K in equity
29:37 – Why financing options win you more jobs
41:20 – 45% of homeowners are using AI to find contractors
43:42 – How to actually show up on AI search results
55:40 – Billboard segment

Most contractors treat warranty callbacks as a cost of doing business and never run the numbers. On a mid-sized HVAC shop doing $1-2M a year, a 5% callback rate can bleed out over $70,000 annually, and almost nobody is tracking where that money actually goes.

Kosta and Johny break down why callbacks aren't always the contractor's fault (often it's a manufacturer defect you end up eating the cost for), how to actually track warranty costs by job and by vendor inside your software, and why most trades businesses never bother negotiating supplier pricing even as repeat, predictable customers. They also get into the wave of aging-out boomer contractors with no succession plan, and why every business, whether you plan to sell it or not, should be built to run without the owner.

This one's relevant whether you're running HVAC, plumbing, electrical, or general contracting. Job costing, supplier relationships, and exit planning all come up.

Jobtable makes it easy to track warranty and callback costs right inside your job costing, so you have real numbers instead of guesses next time you're negotiating with a supplier.

 👉 Learn more at https://www.jobtable.com

New episodes every week, subscribe so you don't miss one.

00:00 – Intro and listener review from BC contractor
01:50 – Recurring jobs and invoices coming to Jobtable
02:43 – The real cost of warranty callbacks (HVAC numbers breakdown)
05:04 – Why most callbacks are the manufacturer's fault, not yours
12:04 – How to actually track warranty costs by job in your software
19:36 – Why customers blame you, not the manufacturer, when something breaks
28:34 – Negotiating supplier pricing as a repeat customer
35:48 – Group purchasing organizations and bulk buying direct
39:08 – Boomer contractors aging out with no succession plan
48:52 – Why every business needs to run without the owner to be sellable

Only about 5% of businesses in the US and Canada ever hit a million dollars in revenue. For contractors, the gap between "doing good work" and actually crossing that mark usually comes down to a few specific things that most trade school programs never cover.

Kosta and Charlie break down the four walls that keep contractors stuck below a million: no real processes in place, reluctance to hire and get off the tools, no sales system, and weak people management. Charlie draws from 16-plus years building iPLUMB into a multi-million dollar commercial plumbing operation, including the hiring mistakes, the micromanagement phase, and what finally changed.

If you're running a trades business and you want more structure, Jobtable helps contractors manage jobs, quotes, scheduling, and follow-ups from one place. Contractors using it report faster approvals and less time chasing paperwork. 👉 Learn more at https://www.jobtable.com

New episodes every week — subscribe so you don't miss one.

00:00 – Intro + Listener Review (Preston Funkhauser, GC, Tennessee)
01:40 – Why Only 5% of Businesses Hit $1M Revenue
02:50 – Processes: The #1 Thing Stalling Contractor Growth
06:00 – Hiring: Getting Off the Tools and Trusting Your Team
13:30 – The Case for Hiring Back Office Before Another Tradesperson
17:20 – Margin Reality: Making 40% Off $1M vs. 10% Off $5M
25:50 – Sales: Why Most Contractors Leave Money on the Table
33:30 – Quote Follow-Up, Open Tracking, and Closing Rate Data
42:00 – People Management: Running Like Clockwork at Scale
48:30 – Promoting Your Best Tech vs. Hiring the Right Manager
54:00 – Closing Thoughts: Don't Be Afraid to Grow

Something is shifting in who's showing up to job sites. Gen Z is entering the trades faster than anyone expected, and the reasons go deeper than just a labor shortage stat. This episode gets into what's actually pulling younger people away from university and toward skilled trades, whether it's going to last, and what it means for trade business owners hiring right now.

Kosta, Johny, and Charlie also get into the pricing conversation a lot of contractors avoid. With 67% of small business owners raising or planning to raise rates in 2026, the question isn't whether to raise your prices, it's how to do it without losing the clients you've worked to keep. They break down how to communicate a rate increase, how to identify the clients who aren't worth keeping anyway, and why competing on price is usually the wrong game.

If you're running a trades company and you're still charging what you charged two or three years ago, this episode is worth your time. Jobtable helps contractors manage quotes, invoices, scheduling, and client communication in one place, keeping operations tight so you can focus on the work. 👉 Learn more at https://www.jobtable.com

New episodes every week. Subscribe so you don't miss one.

00:00 – Intro & Jobtable shoutout
01:45 – Gen Z entering the trades: real shift or overstated stat?
05:10 – Why money (not just AI fear) is the real driver
09:30 – The stigma around trades is gone
14:00 – Smart people are building trade businesses, not just working in them
18:30 – How to tell clients you're raising rates
25:00 – Comparing apples to apples: why cheap bids cost more in the end
43:00 – Why contractors still get lowballed (and what to do about it)
51:00 – The professionalism gap and defending your price
58:30 – Banner question: No plan B's