{"id":2192,"date":"2026-11-02T14:32:39","date_gmt":"2026-11-02T14:32:39","guid":{"rendered":"https:\/\/solutionsrenovationquebec.ca\/?p=2192"},"modified":"2026-10-26T12:44:13","modified_gmt":"2026-10-26T12:44:13","slug":"my-renovation-bill-is-higher-than-expected-at-desjardins-is-it-legal","status":"publish","type":"post","link":"https:\/\/solutionsrenovationquebec.ca\/en\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\/","title":{"rendered":"My renovation bill is higher than expected at Desjardins: is that legal?"},"content":{"rendered":"

You had a quote in hand, a budget in mind, and the final invoice arrives well above it. The financial stress is real, and the first question that comes up is: did he have the right?<\/span><\/p>\n

The honest answer: it depends. On the type of contract, the authorized additional work and the circumstances of the overrun. This article gives you general information to help you see things clearly, but it is not legal advice. At Solutions R\u00e9novation Qu\u00e9bec (RBQ license 5811-7821-01), we are contractors, not lawyers. For an analysis of your file, a legal professional remains the right contact.<\/span><\/p>\n

Can a contractor increase the invoice after signing?<\/b><\/h2>\n

It all depends on what you signed. And that is where many homeowners are caught off guard: the word \u00abquote\u00bb written at the top of the document does not say everything.<\/a><\/span><\/p>\n

What matters is the nature of the agreement and what it provides for changes. Two documents that look alike can create very different obligations.<\/span><\/p>\n

Fixed-price contract, estimate or time-and-materials contract: what's the difference?<\/b><\/h3>\n

A fixed price is a set amount agreed upon for defined work. An estimate is an evaluation of the probable cost, which can vary. Time-and-materials billing (time and materials),<\/a> is a price calculated based on hours worked and materials used, with no total amount guaranteed at the outset. Three logics, three billing realities.<\/span><\/p>\n

The Civil Code of Qu\u00e9bec governs these situations.<\/a> In broad terms, article 2109 provides that a fixed-price contract keeps its agreed price, even if the work cost more than expected, unless the parties agreed otherwise. Article 2107 addresses a price that was the subject of an estimate: the contractor must then justify any increase, and the client is only required to pay the surplus for work that was not foreseeable at the outset. The exact application always depends on your contract and the facts: to be validated with a legal professional.<\/span><\/p>\n

Was the additional work authorized?<\/b><\/h3>\n

When extras are added, an amendment (or change order) should come into play. A good amendment describes the change, specifies the price or calculation method, indicates the effect on the schedule and carries the approval of both parties. It is this document that transforms a site discussion into a clear commitment.<\/span><\/p>\n

Keep everything: emails, texts, photos, invoices<\/a> and the different versions of the quote. That said, beware of the shortcut \u00abno signature, no payment\u00bb: the reality is more nuanced. A modification without a signed paper is not automatically invalid, just as a verbal extra is not automatically owed. It depends on the facts and applicable rules, and that is often where legal advice becomes useful.<\/span><\/p>\n

Before accepting an additional amount, compare the invoice, the quote and the change authorizations.<\/b><\/p>\n

Why can the cost of a renovation exceed the budget?<\/b><\/h2>\n

An overrun is not always a sign of bad faith. Sometimes it is the building that holds surprises. Sometimes it is a lack of clarity from the start. Knowing how to distinguish the two changes everything.<\/span><\/p>\n

The issue is to understand where the increase comes from, and whether it should have been anticipated.<\/span><\/p>\n

Real unforeseen events or lack of transparency?<\/b><\/h3>\n

There are three main categories of overruns. Real unforeseen events, discovered when opening a wall or floor. Changes requested by the homeowner along the way. And elements that should have been in the estimate from the start, but were forgotten or undervalued. The first two are defensible; the third is more debatable.<\/span><\/p>\n

In Qu\u00e9bec, classic unforeseen events are not lacking: water infiltration, deteriorated wood, damp insulation<\/a>, damaged materials revealed once the site is opened. A serious contractor warns you quickly as soon as a cost risks significantly exceeding the initial indication, before charging ahead. And above all: the presence of an unforeseen event does not justify just any amount. A surplus must remain linked to what was actually discovered.<\/span><\/p>\n

Taxes, exclusions and contingencies<\/b><\/h4>\n

Reread what is included and what is not. Are GST and QST included in the displayed amount? And materials, labour, permits, waste management?<\/a> A quote that discreetly excludes these items looks low at the start and climbs at the end. Also beware of the confusion between a suggested budget contingency (a prudent reserve, just in case) and an amount that is automatically billable: they are not the same thing.<\/span><\/p>\n

Ask for a written and detailed explanation of the items that increased the invoice.<\/b><\/p>\n

What to do if you contest the invoice?<\/b><\/h2>\n

If you believe the invoice does not hold up, do not react on emotion. An orderly approach protects your rights better than a hasty gesture.<\/span><\/p>\n

Here is a structured way to approach the situation.<\/span><\/p>\n

The steps to protect your rights<\/b><\/h3>\n

First, compare everything: the contract, the invoices, the amendments and your proof of payment, side by side. Then, ask in writing for a breakdown of the disputed costs and the contractual basis for each extra. Third, attempt a documented resolution with the contractor; if it stalls, obtain legal advice on the possible sending of a formal notice.<\/a> Finally, depending on the situation, you can turn to the Office de la protection du consommateur (OPC) if the dispute falls within its jurisdiction, or to the RBQ for questions of license and bonding. The courts (including the Small Claims Division) remain an option depending on the amount and conditions.<\/span><\/p>\n

Should you withhold payment or stop the work?<\/b><\/h3>\n

Careful here: don't suspend a payment on a whim. Withholding a sum or stopping a job site can have consequences depending on your contract, the amounts involved and each party's obligations. Sometimes it's justified, sometimes it puts you in the wrong. Before an important decision like that, get advice suited to your file. An hour of advice is better than a dispute that spirals out of control.<\/span><\/p>\n

Organize your documents and get appropriate advice before making a decision that could worsen the dispute.<\/b><\/p>\n

How to avoid a budget overrun during a renovation in L\u00e9vis?<\/b><\/h2>\n

The best protection against an overrun is what happens before the first hammer blow. A clear contract settles the majority of conflicts before they even exist.<\/span><\/p>\n

Here is what to pay attention to.<\/span><\/p>\n

The elements to check before signing<\/b><\/h3>\n

Before signing, make sure the document contains: a precise description of the work, the materials and quantities, the price and taxes, the schedule, the payment terms<\/a>, the exclusions, the management of unforeseen events and the procedure for approving extras. If any of these elements is missing, ask for it.<\/span><\/p>\n

Also check the contractor's RBQ licence (it's public and free on the R\u00e9gie's website) and never rely on a simple verbal estimate. A friendly word on a job site is not worth a written contract on the day there's a disagreement.<\/span><\/p>\n

Adapting the budget to the realities of Quebec buildings<\/b><\/h3>\n

For a house that is 25 years old or more, be realistic: water infiltration, freeze-thaw, humidity and hidden materials can reveal additional needs once the walls are opened<\/a>. These risks should be discussed from the start, transparently. But naming them in advance must never serve as a catch-all pretext to justify costs that are not explained to you.<\/span><\/p>\n

For your next project, prioritize a detailed quote<\/a> that clearly defines inclusions, exclusions and change approvals.<\/b><\/p>\n

Why choose Solutions R\u00e9novation Qu\u00e9bec?<\/b><\/h2>\n

Our position is simple: a client who understands their bill is a client who sleeps soundly.<\/a> Contractual transparency is not a sales pitch for us, it is the foundation of the trade.<\/span><\/p>\n

A method focused on clarity<\/b><\/h3>\n

Our way of working always follows the same steps: on-site needs assessment, detailed quote, planning, execution and clean delivery. When the scope of work changes along the way, we explain it to you and document it according to what was agreed, rather than presenting you with the surprise at the end. No extras falling from the sky.<\/span><\/p>\n

Verifiable commitments<\/b><\/h3>\n

SRQ holds RBQ license 5811-7821-01, has more than 10 years of combined experience and more than 500 completed projects. Our five-year warranty on labour applies according to its conditions, which we explain to you in advance. We serve notably L\u00e9vis, Qu\u00e9bec, la Beauce,<\/a> Drummondville, Trois-Rivi\u00e8res, Sherbrooke and the surrounding areas. Concrete, verifiable commitments, with no fine print.<\/span><\/p>\n

Contact SRQ to discuss your project and request a clear quote, adapted to the planned work.<\/b><\/p>\n

FAQ: renovation bill higher than expected<\/b><\/h2>\n

Does a signed quote always guarantee a fixed price?<\/b><\/h3>\n

No. It all depends on the type of contract. A true fixed-price contract sets the amount, but a document titled \u00abquote\u00bb can be an estimate or time-and-materials billing. You need to read the conditions, not just the title.<\/span><\/p>\n

Can a contractor bill for additional work not planned?<\/b><\/h3>\n

Extras can be billable if they were authorized and properly documented. An amendment describing the change, the price and the effect on the schedule is good practice. A surplus imposed without explanation is much more contestable.<\/span><\/p>\n

What should you do if the extras were not explained in advance?<\/b><\/h3>\n

Ask in writing for a detailed breakdown and the basis for each amount. Gather your exchanges and your versions of the quote. If the disagreement persists, legal advice will tell you where you stand according to your contract.<\/span><\/p>\n

What difference is there between a fixed price and an estimate?<\/b><\/h3>\n

A fixed price is a set price for defined work. An estimate is an evaluation of the probable cost, which can change. With an estimate, the Civil Code provides that the contractor must justify an increase, within the limits provided by law.<\/span><\/p>\n

How do I check a contractor's RBQ license?<\/b><\/h3>\n

Use the register of license holders, accessible free of charge on the RBQ website. You can confirm there that the license is valid and that it matches the name and number listed on your contract.<\/span><\/p>\n

Does the RBQ surety automatically reimburse a disputed bill?<\/b><\/h3>\n

No. The license surety covers certain situations (deposits for work not performed, unfinished work, defects found within 12 months), with specific amounts and conditions. A cost overrun or a simple disagreement over a bill is not automatically compensated, and there is no automatic refund: you must file a formal claim.<\/a><\/span><\/p>\n

Can I file a complaint with the OPC?<\/b><\/h3>\n

Yes, if the situation falls within its jurisdiction. The Office de la protection du consommateur can receive reports and inform you of your rights. For questions about licensing and surety, it is rather the RBQ that you should contact.<\/span><\/p>\n

When should you send a formal notice?<\/b><\/h3>\n

Generally when amicable steps have failed and you want to formalize your position before going further. Since it is a legal act with real consequences, have it reviewed or drafted with advice suited to your file.<\/span><\/p>\n

A bill higher than expected is neither automatically illegal nor automatically justified. The key is to compare the bill to your contract, ask for written explanations and rely on the right resources before deciding anything.<\/span><\/p>\n

Contact SRQ to discuss your project and request a clear quote<\/a>, adapted to the planned work.<\/b><\/p>","protected":false},"excerpt":{"rendered":"

Vous aviez une soumission en main, un budget en t\u00eate, et la facture finale arrive bien au-dessus. Le stress financier est r\u00e9el, et la premi\u00e8re question qui vient, c’est : est-ce qu’il avait le droit? La r\u00e9ponse honn\u00eate : \u00e7a d\u00e9pend. Du type de contrat, des travaux suppl\u00e9mentaires autoris\u00e9s et des circonstances du d\u00e9passement. Cet […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2192","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nFacture de r\u00e9no plus haute que pr\u00e9vu \u00e0 Desjardins : l\u00e9gal?<\/title>\n<meta name=\"description\" content=\"Ma facture de r\u00e9novation est plus haute que pr\u00e9vu \u00e0 Desjardins : c\u2019est l\u00e9gal? \u00c7a d\u00e9pend surtout du type de contrat sign\u00e9 :Le prix \u00e0 forfait est un montant fixe pour des travaux d\u00e9finis.L\u2019estimation est un co\u00fbt probable qui peut varier.La facturation en r\u00e9gie est calcul\u00e9e selon le temps et les mat\u00e9riaux, sans total garanti.Le Code civil du Qu\u00e9bec encadre ces situations. L\u2019article 2109 maintient le prix d\u2019un contrat \u00e0 forfait. L\u2019article 2107 oblige l\u2019entrepreneur \u00e0 justifier toute hausse sur une estimation, pour des travaux qui n\u2019\u00e9taient pas pr\u00e9visibles.Solutions R\u00e9novation Qu\u00e9bec (SRQ), entrepreneur licenci\u00e9 RBQ 5811-7821-01, t\u2019explique ce qu\u2019un avenant ou ordre de changement doit contenir pour qu\u2019un extra soit clair : description, prix, effet sur l\u2019\u00e9ch\u00e9ancier, approbation des deux parties. Tu apprends \u00e0 distinguer un impr\u00e9vu r\u00e9el d\u00e9couvert en ouvrant un mur (infiltration d\u2019eau, bois d\u00e9t\u00e9rior\u00e9, isolation humide) d\u2019un oubli dans l\u2019estimation. L\u2019article t\u2019aide aussi \u00e0 rep\u00e9rer les exclusions cach\u00e9es comme la TPS et la TVQ, les permis, les d\u00e9chets ou une contingence pr\u00e9sent\u00e9e comme facturable.Tu y trouves aussi :les \u00e9tapes pour contester une facture : comparer le contrat, les avenants et les paiements, puis demander une ventilation \u00e9crite ;quand envisager une mise en demeure ;le r\u00f4le de l\u2019Office de la protection du consommateur (OPC), du cautionnement de licence RBQ et de la Division des petites cr\u00e9ances ;pourquoi ne pas retenir un paiement sur un coup de t\u00eate ;la liste des \u00e9l\u00e9ments \u00e0 v\u00e9rifier avant de signer pour \u00e9viter un d\u00e9passement de budget \u00e0 L\u00e9vis.L\u2019article donne de l\u2019information g\u00e9n\u00e9rale, pas un avis juridique. SRQ compte plus de 500 projets r\u00e9alis\u00e9s et offre une garantie de 5 ans sur la main-d\u2019\u0153uvre. Soumission d\u00e9taill\u00e9e et transparente au 418-476-1747.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/solutionsrenovationquebec.ca\/en\/my-renovation-bill-is-higher-than-expected-at-desjardins-is-it-legal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Facture de r\u00e9no plus haute que pr\u00e9vu \u00e0 Desjardins : l\u00e9gal?\" \/>\n<meta property=\"og:description\" content=\"Ma facture de r\u00e9novation est plus haute que pr\u00e9vu \u00e0 Desjardins : c\u2019est l\u00e9gal? \u00c7a d\u00e9pend surtout du type de contrat sign\u00e9 :Le prix \u00e0 forfait est un montant fixe pour des travaux d\u00e9finis.L\u2019estimation est un co\u00fbt probable qui peut varier.La facturation en r\u00e9gie est calcul\u00e9e selon le temps et les mat\u00e9riaux, sans total garanti.Le Code civil du Qu\u00e9bec encadre ces situations. L\u2019article 2109 maintient le prix d\u2019un contrat \u00e0 forfait. L\u2019article 2107 oblige l\u2019entrepreneur \u00e0 justifier toute hausse sur une estimation, pour des travaux qui n\u2019\u00e9taient pas pr\u00e9visibles.Solutions R\u00e9novation Qu\u00e9bec (SRQ), entrepreneur licenci\u00e9 RBQ 5811-7821-01, t\u2019explique ce qu\u2019un avenant ou ordre de changement doit contenir pour qu\u2019un extra soit clair : description, prix, effet sur l\u2019\u00e9ch\u00e9ancier, approbation des deux parties. Tu apprends \u00e0 distinguer un impr\u00e9vu r\u00e9el d\u00e9couvert en ouvrant un mur (infiltration d\u2019eau, bois d\u00e9t\u00e9rior\u00e9, isolation humide) d\u2019un oubli dans l\u2019estimation. L\u2019article t\u2019aide aussi \u00e0 rep\u00e9rer les exclusions cach\u00e9es comme la TPS et la TVQ, les permis, les d\u00e9chets ou une contingence pr\u00e9sent\u00e9e comme facturable.Tu y trouves aussi :les \u00e9tapes pour contester une facture : comparer le contrat, les avenants et les paiements, puis demander une ventilation \u00e9crite ;quand envisager une mise en demeure ;le r\u00f4le de l\u2019Office de la protection du consommateur (OPC), du cautionnement de licence RBQ et de la Division des petites cr\u00e9ances ;pourquoi ne pas retenir un paiement sur un coup de t\u00eate ;la liste des \u00e9l\u00e9ments \u00e0 v\u00e9rifier avant de signer pour \u00e9viter un d\u00e9passement de budget \u00e0 L\u00e9vis.L\u2019article donne de l\u2019information g\u00e9n\u00e9rale, pas un avis juridique. SRQ compte plus de 500 projets r\u00e9alis\u00e9s et offre une garantie de 5 ans sur la main-d\u2019\u0153uvre. Soumission d\u00e9taill\u00e9e et transparente au 418-476-1747.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/solutionsrenovationquebec.ca\/en\/my-renovation-bill-is-higher-than-expected-at-desjardins-is-it-legal\/\" \/>\n<meta property=\"og:site_name\" content=\"Solutions R\u00e9novation Qu\u00e9bec\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-02T14:32:39+00:00\" \/>\n<meta name=\"author\" content=\"ilias\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Facture de r\u00e9no plus haute que pr\u00e9vu \u00e0 Desjardins : l\u00e9gal?\" \/>\n<meta name=\"twitter:description\" content=\"Ma facture de r\u00e9novation est plus haute que pr\u00e9vu \u00e0 Desjardins : c\u2019est l\u00e9gal? \u00c7a d\u00e9pend surtout du type de contrat sign\u00e9 :Le prix \u00e0 forfait est un montant fixe pour des travaux d\u00e9finis.L\u2019estimation est un co\u00fbt probable qui peut varier.La facturation en r\u00e9gie est calcul\u00e9e selon le temps et les mat\u00e9riaux, sans total garanti.Le Code civil du Qu\u00e9bec encadre ces situations. L\u2019article 2109 maintient le prix d\u2019un contrat \u00e0 forfait. L\u2019article 2107 oblige l\u2019entrepreneur \u00e0 justifier toute hausse sur une estimation, pour des travaux qui n\u2019\u00e9taient pas pr\u00e9visibles.Solutions R\u00e9novation Qu\u00e9bec (SRQ), entrepreneur licenci\u00e9 RBQ 5811-7821-01, t\u2019explique ce qu\u2019un avenant ou ordre de changement doit contenir pour qu\u2019un extra soit clair : description, prix, effet sur l\u2019\u00e9ch\u00e9ancier, approbation des deux parties. Tu apprends \u00e0 distinguer un impr\u00e9vu r\u00e9el d\u00e9couvert en ouvrant un mur (infiltration d\u2019eau, bois d\u00e9t\u00e9rior\u00e9, isolation humide) d\u2019un oubli dans l\u2019estimation. L\u2019article t\u2019aide aussi \u00e0 rep\u00e9rer les exclusions cach\u00e9es comme la TPS et la TVQ, les permis, les d\u00e9chets ou une contingence pr\u00e9sent\u00e9e comme facturable.Tu y trouves aussi :les \u00e9tapes pour contester une facture : comparer le contrat, les avenants et les paiements, puis demander une ventilation \u00e9crite ;quand envisager une mise en demeure ;le r\u00f4le de l\u2019Office de la protection du consommateur (OPC), du cautionnement de licence RBQ et de la Division des petites cr\u00e9ances ;pourquoi ne pas retenir un paiement sur un coup de t\u00eate ;la liste des \u00e9l\u00e9ments \u00e0 v\u00e9rifier avant de signer pour \u00e9viter un d\u00e9passement de budget \u00e0 L\u00e9vis.L\u2019article donne de l\u2019information g\u00e9n\u00e9rale, pas un avis juridique. SRQ compte plus de 500 projets r\u00e9alis\u00e9s et offre une garantie de 5 ans sur la main-d\u2019\u0153uvre. Soumission d\u00e9taill\u00e9e et transparente au 418-476-1747.\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"ilias\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/solutionsrenovationquebec.ca\\\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/solutionsrenovationquebec.ca\\\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\\\/\"},\"author\":{\"name\":\"ilias\",\"@id\":\"https:\\\/\\\/solutionsrenovationquebec.ca\\\/#\\\/schema\\\/person\\\/bc9dfc39f32d5a847eb6f89e333e1877\"},\"headline\":\"Ma facture de r\u00e9novation est plus haute que pr\u00e9vu \u00e0 Desjardins : c’est l\u00e9gal?\",\"datePublished\":\"2026-11-02T14:32:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/solutionsrenovationquebec.ca\\\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\\\/\"},\"wordCount\":2183,\"publisher\":{\"@id\":\"https:\\\/\\\/solutionsrenovationquebec.ca\\\/#organization\"},\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/solutionsrenovationquebec.ca\\\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\\\/\",\"url\":\"https:\\\/\\\/solutionsrenovationquebec.ca\\\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\\\/\",\"name\":\"Facture de r\u00e9no plus haute que pr\u00e9vu \u00e0 Desjardins : l\u00e9gal?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/solutionsrenovationquebec.ca\\\/#website\"},\"datePublished\":\"2026-11-02T14:32:39+00:00\",\"description\":\"Ma facture de r\u00e9novation est plus haute que pr\u00e9vu \u00e0 Desjardins : c\u2019est l\u00e9gal? \u00c7a d\u00e9pend surtout du type de contrat sign\u00e9 :Le prix \u00e0 forfait est un montant fixe pour des travaux d\u00e9finis.L\u2019estimation est un co\u00fbt probable qui peut varier.La facturation en r\u00e9gie est calcul\u00e9e selon le temps et les mat\u00e9riaux, sans total garanti.Le Code civil du Qu\u00e9bec encadre ces situations. L\u2019article 2109 maintient le prix d\u2019un contrat \u00e0 forfait. L\u2019article 2107 oblige l\u2019entrepreneur \u00e0 justifier toute hausse sur une estimation, pour des travaux qui n\u2019\u00e9taient pas pr\u00e9visibles.Solutions R\u00e9novation Qu\u00e9bec (SRQ), entrepreneur licenci\u00e9 RBQ 5811-7821-01, t\u2019explique ce qu\u2019un avenant ou ordre de changement doit contenir pour qu\u2019un extra soit clair : description, prix, effet sur l\u2019\u00e9ch\u00e9ancier, approbation des deux parties. Tu apprends \u00e0 distinguer un impr\u00e9vu r\u00e9el d\u00e9couvert en ouvrant un mur (infiltration d\u2019eau, bois d\u00e9t\u00e9rior\u00e9, isolation humide) d\u2019un oubli dans l\u2019estimation. L\u2019article t\u2019aide aussi \u00e0 rep\u00e9rer les exclusions cach\u00e9es comme la TPS et la TVQ, les permis, les d\u00e9chets ou une contingence pr\u00e9sent\u00e9e comme facturable.Tu y trouves aussi :les \u00e9tapes pour contester une facture : comparer le contrat, les avenants et les paiements, puis demander une ventilation \u00e9crite ;quand envisager une mise en demeure ;le r\u00f4le de l\u2019Office de la protection du consommateur (OPC), du cautionnement de licence RBQ et de la Division des petites cr\u00e9ances ;pourquoi ne pas retenir un paiement sur un coup de t\u00eate ;la liste des \u00e9l\u00e9ments \u00e0 v\u00e9rifier avant de signer pour \u00e9viter un d\u00e9passement de budget \u00e0 L\u00e9vis.L\u2019article donne de l\u2019information g\u00e9n\u00e9rale, pas un avis juridique. SRQ compte plus de 500 projets r\u00e9alis\u00e9s et offre une garantie de 5 ans sur la main-d\u2019\u0153uvre. 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It depends mainly on the type of contract signed:The fixed price is a set amount for defined work.The estimate is a probable cost that can vary.Time and materials billing is calculated based on time and materials, with no guaranteed total.The Civil Code of Qu\u00e9bec governs these situations. Article 2109 maintains the price of a fixed-price contract. Article 2107 requires the contractor to justify any increase over an estimate, for work that was not foreseeable.Solutions R\u00e9novation Qu\u00e9bec (SRQ), a licensed contractor RBQ 5811-7821-01, explains what an amendment or change order must contain for an extra to be clear: description, price, effect on the schedule, approval by both parties. You learn to distinguish a real unforeseen event discovered when opening a wall (water infiltration, deteriorated wood, damp insulation) from an oversight in the estimate. The article also helps you spot hidden exclusions such as GST and QST, permits, waste, or a contingency presented as billable.You will also find:the steps to dispute an invoice: compare the contract, the amendments, and the payments, then request a written breakdown;when to consider a formal notice;the role of the Office de la protection du consommateur (OPC), the RBQ licence security, and the Small Claims Division;why not to withhold a payment on impulse;the list of items to check before signing to avoid a budget overrun in L\u00e9vis.The article provides general information, not legal advice. SRQ has completed more than 500 projects and offers a 5-year warranty on labour. Detailed and transparent quote at 418-476-1747.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/solutionsrenovationquebec.ca\/en\/my-renovation-bill-is-higher-than-expected-at-desjardins-is-it-legal\/","og_locale":"en_US","og_type":"article","og_title":"Facture de r\u00e9no plus haute que pr\u00e9vu \u00e0 Desjardins : l\u00e9gal?","og_description":"Ma facture de r\u00e9novation est plus haute que pr\u00e9vu \u00e0 Desjardins : c\u2019est l\u00e9gal? \u00c7a d\u00e9pend surtout du type de contrat sign\u00e9 :Le prix \u00e0 forfait est un montant fixe pour des travaux d\u00e9finis.L\u2019estimation est un co\u00fbt probable qui peut varier.La facturation en r\u00e9gie est calcul\u00e9e selon le temps et les mat\u00e9riaux, sans total garanti.Le Code civil du Qu\u00e9bec encadre ces situations. L\u2019article 2109 maintient le prix d\u2019un contrat \u00e0 forfait. L\u2019article 2107 oblige l\u2019entrepreneur \u00e0 justifier toute hausse sur une estimation, pour des travaux qui n\u2019\u00e9taient pas pr\u00e9visibles.Solutions R\u00e9novation Qu\u00e9bec (SRQ), entrepreneur licenci\u00e9 RBQ 5811-7821-01, t\u2019explique ce qu\u2019un avenant ou ordre de changement doit contenir pour qu\u2019un extra soit clair : description, prix, effet sur l\u2019\u00e9ch\u00e9ancier, approbation des deux parties. Tu apprends \u00e0 distinguer un impr\u00e9vu r\u00e9el d\u00e9couvert en ouvrant un mur (infiltration d\u2019eau, bois d\u00e9t\u00e9rior\u00e9, isolation humide) d\u2019un oubli dans l\u2019estimation. L\u2019article t\u2019aide aussi \u00e0 rep\u00e9rer les exclusions cach\u00e9es comme la TPS et la TVQ, les permis, les d\u00e9chets ou une contingence pr\u00e9sent\u00e9e comme facturable.Tu y trouves aussi :les \u00e9tapes pour contester une facture : comparer le contrat, les avenants et les paiements, puis demander une ventilation \u00e9crite ;quand envisager une mise en demeure ;le r\u00f4le de l\u2019Office de la protection du consommateur (OPC), du cautionnement de licence RBQ et de la Division des petites cr\u00e9ances ;pourquoi ne pas retenir un paiement sur un coup de t\u00eate ;la liste des \u00e9l\u00e9ments \u00e0 v\u00e9rifier avant de signer pour \u00e9viter un d\u00e9passement de budget \u00e0 L\u00e9vis.L\u2019article donne de l\u2019information g\u00e9n\u00e9rale, pas un avis juridique. SRQ compte plus de 500 projets r\u00e9alis\u00e9s et offre une garantie de 5 ans sur la main-d\u2019\u0153uvre. Soumission d\u00e9taill\u00e9e et transparente au 418-476-1747.","og_url":"https:\/\/solutionsrenovationquebec.ca\/en\/my-renovation-bill-is-higher-than-expected-at-desjardins-is-it-legal\/","og_site_name":"Solutions R\u00e9novation Qu\u00e9bec","article_published_time":"2026-11-02T14:32:39+00:00","author":"ilias","twitter_card":"summary_large_image","twitter_title":"Facture de r\u00e9no plus haute que pr\u00e9vu \u00e0 Desjardins : l\u00e9gal?","twitter_description":"Ma facture de r\u00e9novation est plus haute que pr\u00e9vu \u00e0 Desjardins : c\u2019est l\u00e9gal? \u00c7a d\u00e9pend surtout du type de contrat sign\u00e9 :Le prix \u00e0 forfait est un montant fixe pour des travaux d\u00e9finis.L\u2019estimation est un co\u00fbt probable qui peut varier.La facturation en r\u00e9gie est calcul\u00e9e selon le temps et les mat\u00e9riaux, sans total garanti.Le Code civil du Qu\u00e9bec encadre ces situations. L\u2019article 2109 maintient le prix d\u2019un contrat \u00e0 forfait. L\u2019article 2107 oblige l\u2019entrepreneur \u00e0 justifier toute hausse sur une estimation, pour des travaux qui n\u2019\u00e9taient pas pr\u00e9visibles.Solutions R\u00e9novation Qu\u00e9bec (SRQ), entrepreneur licenci\u00e9 RBQ 5811-7821-01, t\u2019explique ce qu\u2019un avenant ou ordre de changement doit contenir pour qu\u2019un extra soit clair : description, prix, effet sur l\u2019\u00e9ch\u00e9ancier, approbation des deux parties. Tu apprends \u00e0 distinguer un impr\u00e9vu r\u00e9el d\u00e9couvert en ouvrant un mur (infiltration d\u2019eau, bois d\u00e9t\u00e9rior\u00e9, isolation humide) d\u2019un oubli dans l\u2019estimation. L\u2019article t\u2019aide aussi \u00e0 rep\u00e9rer les exclusions cach\u00e9es comme la TPS et la TVQ, les permis, les d\u00e9chets ou une contingence pr\u00e9sent\u00e9e comme facturable.Tu y trouves aussi :les \u00e9tapes pour contester une facture : comparer le contrat, les avenants et les paiements, puis demander une ventilation \u00e9crite ;quand envisager une mise en demeure ;le r\u00f4le de l\u2019Office de la protection du consommateur (OPC), du cautionnement de licence RBQ et de la Division des petites cr\u00e9ances ;pourquoi ne pas retenir un paiement sur un coup de t\u00eate ;la liste des \u00e9l\u00e9ments \u00e0 v\u00e9rifier avant de signer pour \u00e9viter un d\u00e9passement de budget \u00e0 L\u00e9vis.L\u2019article donne de l\u2019information g\u00e9n\u00e9rale, pas un avis juridique. SRQ compte plus de 500 projets r\u00e9alis\u00e9s et offre une garantie de 5 ans sur la main-d\u2019\u0153uvre. Soumission d\u00e9taill\u00e9e et transparente au 418-476-1747.","twitter_misc":{"Written by":"ilias","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/solutionsrenovationquebec.ca\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\/#article","isPartOf":{"@id":"https:\/\/solutionsrenovationquebec.ca\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\/"},"author":{"name":"ilias","@id":"https:\/\/solutionsrenovationquebec.ca\/#\/schema\/person\/bc9dfc39f32d5a847eb6f89e333e1877"},"headline":"Ma facture de r\u00e9novation est plus haute que pr\u00e9vu \u00e0 Desjardins : c’est l\u00e9gal?","datePublished":"2026-11-02T14:32:39+00:00","mainEntityOfPage":{"@id":"https:\/\/solutionsrenovationquebec.ca\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\/"},"wordCount":2183,"publisher":{"@id":"https:\/\/solutionsrenovationquebec.ca\/#organization"},"inLanguage":"en-CA"},{"@type":"WebPage","@id":"https:\/\/solutionsrenovationquebec.ca\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\/","url":"https:\/\/solutionsrenovationquebec.ca\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\/","name":"Renovation bill higher than expected at Desjardins: legal?","isPartOf":{"@id":"https:\/\/solutionsrenovationquebec.ca\/#website"},"datePublished":"2026-11-02T14:32:39+00:00","description":"My renovation bill is higher than expected at Desjardins: is that legal? It depends mainly on the type of contract signed:The fixed price is a set amount for defined work.The estimate is a probable cost that can vary.Time and materials billing is calculated based on time and materials, with no guaranteed total.The Civil Code of Qu\u00e9bec governs these situations. Article 2109 maintains the price of a fixed-price contract. Article 2107 requires the contractor to justify any increase over an estimate, for work that was not foreseeable.Solutions R\u00e9novation Qu\u00e9bec (SRQ), a licensed contractor RBQ 5811-7821-01, explains what an amendment or change order must contain for an extra to be clear: description, price, effect on the schedule, approval by both parties. You learn to distinguish a real unforeseen event discovered when opening a wall (water infiltration, deteriorated wood, damp insulation) from an oversight in the estimate. The article also helps you spot hidden exclusions such as GST and QST, permits, waste, or a contingency presented as billable.You will also find:the steps to dispute an invoice: compare the contract, the amendments, and the payments, then request a written breakdown;when to consider a formal notice;the role of the Office de la protection du consommateur (OPC), the RBQ licence security, and the Small Claims Division;why not to withhold a payment on impulse;the list of items to check before signing to avoid a budget overrun in L\u00e9vis.The article provides general information, not legal advice. SRQ has completed more than 500 projects and offers a 5-year warranty on labour. Detailed and transparent quote at 418-476-1747.","breadcrumb":{"@id":"https:\/\/solutionsrenovationquebec.ca\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\/#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/solutionsrenovationquebec.ca\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/solutionsrenovationquebec.ca\/ma-facture-de-renovation-est-plus-haute-que-prevu-a-desjardins-cest-legal\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/solutionsrenovationquebec.ca\/"},{"@type":"ListItem","position":2,"name":"Ma facture de r\u00e9novation est plus haute que pr\u00e9vu \u00e0 Desjardins : c’est l\u00e9gal?"}]},{"@type":"WebSite","@id":"https:\/\/solutionsrenovationquebec.ca\/#website","url":"https:\/\/solutionsrenovationquebec.ca\/","name":"Solutions R\u00e9novation Qu\u00e9bec","description":"Turn Your House Into Your Home. 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