When Contractors Disappear: Lessons from Recent Congregational Projects
In recent months, two congregations in our synod have faced difficult losses after hiring contractors for major projects—solar installation and audio system upgrades. In both cases, the contractor accepted most of the payment upfront, then disappeared without completing the work. A similar situation also occurred with a flooring contractor, leaving the congregation with financial loss and unfinished improvements.
These stories serve as a caution for all congregations planning to hire outside contractors for repairs, upgrades, or renovations. While we always want to assume good faith and neighborly trust, congregations must take concrete steps to protect their ministries and resources.
Here are several best practices to consider:
Never pay in full upfront. A common rule is to limit deposits to one-third of the total project cost, with further payments tied to completed milestones.
Check licenses and references. Verify that the contractor is licensed, bonded, and insured. Ask for references from recent clients and follow up.
Use written contracts. Ensure all agreements are in writing and include clear timelines, payment schedules, and remedies if work is delayed or incomplete.
Consult your insurance provider. Some congregational insurance policies may offer protection or guidance for contractor disputes.
Seek multiple bids. Comparing several contractors not only helps gauge reasonable pricing but also signals which companies are reputable and responsive.
Confirm local reviews. Many states and counties maintain public contractor databases—use them to verify standing and history of complaints.
Above all, congregations are encouraged to seek wisdom and prudence—gifts of the Spirit that protect community resources and witness. Stewardship extends beyond generosity; it includes care and caution in how we handle what God has entrusted to us.
If your congregation faces a situation like this or needs help discerning how to move forward with a large project, reach out to the synod office. We can connect you with guidance, resources, or other congregations who have navigated similar challenges.
