10/15/2026
Moving back in is not the same as being fully finished.
Substantial completion usually means a remodeled space can be used for its intended purpose even though minor corrections remain. Final completion comes later, after the punch list and required closeout items are resolved.
That distinction can affect payments, warranty timing, responsibility for the space, and the realistic move-in date. Clara Wright breaks down what homeowners should confirm before relying on the label.