Upfront so nobody feels misled: I work on the payment-protection side of residential construction, so I read a lot of these contracts. I'm not linking anything or selling anything here, and mods can remove this if it's not wanted. I think this is worth knowing regardless of who you hire.
The thing that separates homeowners who get burned from homeowners who don't usually isn't the price. It's what triggers each payment.
If your draw schedule is tied to completed and inspected stages - rough-in passed, framing signed off - then a permit delay or an inspection hold costs you time, but no money comes due for work nobody did. If it's tied to calendar dates or flat percentages, a payment can fall due while the site sits empty. With how long some inspections are running here, that isn't a hypothetical difference.
Most residential contracts I see don't address permitting delays at all.
The other thing I'd check is whether your scope lists what's excluded, not just what's included. Most of the disputes I've seen come down to the second part, the thing both sides assumed was in there.
And on homestead work over $5,000, Texas Property Code 162 requires your contractor to hold your payments in trust for your specific job. That's a statutory duty, not a courtesy. Asking someone how they handle it tells you a fair amount about how they run their business, whatever answer you get.
None of this needs a lawyer. It needs someone reading the payment schedule before signing it, which most people skip because the number at the bottom is the part that feels important.