Unfortunately, the charges and billing are pursuant to whatever your contract
with him states. Generally, there is anywhere from a 10%-25% retainage fee, which is what the customer holds back until all final check offs and sign offs are completed, but you have to read your contract. Absent anything in there specifying the retainage, I am afraid they can demand payment in full when the contract says payment is due. However, if he is not done and you cannot get a sign off on the final inspections, then you need to give him notice he is in breach of contract (depending of course on what the contract specifies) for not completing the project. Also, if the contract is silent, you need to negotiate the final payment with him to retain some money as your insurance he completes the job and that would be the only remaining recourse with him when the contract calls for payment in full without retainage before completion.
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