Colorado Code § 38-46-103

Private construction contracts - retainage - conditions precedent
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(1) A
property owner, contractor, or subcontractor shall not withhold as retainage more than five
percent of the price of the work completed under the contract or subcontract. Making a partial
payment under this subsection (1) is not acceptance or approval of some of the work or of a
waiver of defects in the work.
(2) This article 46 addresses only the amount of retainage that may be withheld by a
property owner, contractor, or subcontractor and does not change, override, or invalidate any
other provision in a contract, subcontract, or supply agreement. Such a provision includes, but is
not limited to:
(a) A provision relating to timing of a payment, including final payment;
(b) A provision requiring satisfactory performance of the work of the contract,
subcontract, or supply agreement before payment is due;
(c) A provision allowing a property owner, contractor, or subcontractor to withhold
payment or deduct from any payment otherwise due any backcharges or other amounts as
authorized by the contract, subcontract, or supply agreement; or
(d) A provision relating to a condition precedent that must be satisfied before a payment
is due to a contractor, subcontractor, sub-subcontractor, or supplier. A condition precedent
includes a requirement that:
(I) A contractor must actually receive payment from the property owner to be obliged to
make payment to a subcontractor or supplier; or
(II) A subcontractor must actually receive payment from the contractor to be obliged to
make payment to a subsequent subcontractor or supplier.

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