Most contractors do not lose work because they are bad at the job. They lose it because the phone rang while their hands were full, and the homeowner called the next name on the list. CallRail's 2025 benchmark of 1.1 million leads found that home services businesses miss 14% of their calls, and that up to 85% of callers who are not answered do not call back. For a contractor, one of those calls can be a kitchen remodel or a new roof.
Why contractor calls are different
A plumber's phone is full of emergencies. A general contractor's, remodeler's or roofer's phone is mostly something else: people planning a project and calling a few companies to compare. That changes what you need from an answering service.
- Speed still matters, but for a different reason: the homeowner is collecting quotes, and the first contractor to book a site visit often sets the bar the others are measured against.
- Each call is worth more and needs more questions. A good answering service filters out jobs you do not take and gathers the details you need before you drive out.
- Many calls are not customers at all: suppliers, lead-generation sales calls and robocalls. How they are handled affects both your time and your bill.
If you also do emergency work, such as plumbing or heating, see our guides to the plumbing answering service and the HVAC answering service, which cover after-hours triage in detail.
The cheapest options, ranked
You do not need the most expensive option to stop losing calls. Here they are from cheapest to most expensive, with what each one is good for.
1. Missed call text back on your own number
When you miss a call, the caller automatically gets a text from your number asking what they need. It costs the least and catches the people who would otherwise move on. It does not answer the call. Our missed call text back guide has example texts and the U.S. number registration you need.
2. A free or low-cost AI answering plan
Software answers the call, asks your questions and can book the estimate. Smith.ai's AI plan is free for 25 calls a month; paid AI plans from field-service software start around $99 a month (Jobber). Good for a contractor who misses a handful of calls a week.
3. A paid AI plan with a human fallback
Same as above with more calls included, and difficult callers passed to a person. Smith.ai's AI Pro plan is $150 a month for 75 calls. Good for a busy small crew.
4. A live answering service
A person answers with your business name. Better with upset or confused callers, but more expensive: published plans start around $250–$300 a month for 30–50 calls' worth of time.
5. Hiring an office person
The most expensive option. The U.S. Bureau of Labor Statistics puts the median receptionist wage at $18.27 an hour, or $38,010 a year (May 2025), before payroll taxes, and one person still cannot cover evenings and weekends.
What it costs: published prices
Published prices from the providers' own pages, checked in October 2026. Prices change; confirm before you sign.
| Option | Price per month | What you get |
|---|---|---|
| Smith.ai AI, Free | $0 | 25 calls, then $3.00 per call |
| Jobber AI Receptionist | $99 | Part of Jobber's field-service software |
| Smith.ai AI, Pro | $150 | 75 calls, then $2.50 per call |
| Ruby (live) | $250–$720 | 50–200 minutes of calls |
| Smith.ai Starter / Basic (live) | $300–$810 | 30–90 calls, then $10.50–$11.50 per call |
| Many small-business live plans | $135–$400 | Range in Housecall Pro's 2026 cost guide |
Watch two things. First, overage: Housecall Pro's guide warns that some providers charge two to three times the base rate once you go over your plan, which hurts in your busy season. Second, how calls are counted: Ruby sells minutes and Smith.ai sells calls, so a contractor with long first calls may get more from a per-call plan.
The questions it should ask every new project lead
This is where an answering service earns its money for a contractor. Give it these questions in writing, and ask for every answer in the call summary.
Then set a few rules for jobs you do not take: outside your area, below your minimum job size, or a type of work you do not do. The service should say so politely, and, if you like, suggest who might help, instead of booking a visit you will cancel.
Calls about an existing job are different: send those straight to you or your project manager, with the caller's name and job address.
What an answering service should never promise
Write these down for any service, AI or live:
- No prices or quotes. Contractor prices depend on the site and the scope. It can share your minimum job size or estimate fee, nothing more.
- No start dates. It can say when you are booking estimates, not when the work will begin.
- No answers about permits, codes or structural questions. Those belong to you.
- No promises about insurance claims or warranties.
- No disputes or complaints handled alone. Those go to you, with the full details.
The hidden cost: sales calls and spam
Contractors get a lot of calls that are not customers: lead-generation companies selling leads, marketing pitches, suppliers and robocalls. On a per-call or per-minute plan, you may be paying for every one of them.
Ask each provider how these calls are billed. Smith.ai, for example, says it does not charge for spam or unsolicited sales calls on its live plans, as long as forwarded calls pass caller ID. Also ask whether the service can block known spam numbers and how sales calls are screened, so the summary you read only contains real leads.
How to choose
Before you sign anything, count last week's missed calls and how many were real project leads. Then:
- A few missed calls a week: start with missed call text back or a free AI plan.
- Several missed calls a day: a paid AI plan that books estimates, with a person behind it for hard calls.
- Many upset or complex callers, or high-value commercial work: consider a live service.
- Ask every provider: what does my busiest month cost, can you book into my calendar, and are spam and sales calls billed?
- Listen to a real recorded call for another contractor before you sign.
If you want answering built around your own qualifying questions and connected to your calendar, that is what we build. Our AI voice agent answers and qualifies callers, the lead qualification agent scores each lead against your criteria, and the appointment booking agent puts the site visit straight into your calendar.
Frequently Asked Questions
On published plans checked in October 2026, AI answering ran from free (Smith.ai, 25 calls a month) to around $99–$150 a month (Jobber, Smith.ai Pro). Live receptionist plans started at $250 a month for 50 minutes (Ruby) and $300 a month for 30 calls (Smith.ai). Housecall Pro puts many small-business live plans at $135–$400 a month.
The cheapest working setup is usually missed call text back on your existing number, or a free or low-cost AI answering plan. Both cost far less than a live service. The right choice depends on how many calls you miss and how many need a real conversation.
Yes, if it can see your calendar or field-service software. Give it your service area, the job types you take and the times you do site visits, and let it book estimates directly instead of taking messages.
No. Contractor prices depend on the site, materials and scope. Let it share your minimum job size or call-out fee if you have one, and leave quotes to you after the site visit.
Sources
- CallRail releases benchmark report (missed call rates by industry) — CallRail, 15 January 2025
- Smith.ai virtual receptionist pricing — retrieved 12 October 2026
- Smith.ai AI receptionist pricing — retrieved 12 October 2026
- Ruby pricing — retrieved 12 October 2026
- Plumbing answering service: how to stop missing calls (Jobber AI Receptionist price) — Jobber Academy, updated 6 July 2026
- How much does an answering service cost? 2026 guide — Housecall Pro, updated 30 July 2026
- Occupational Outlook Handbook: Receptionists — U.S. Bureau of Labor Statistics, May 2025 wage data