The contract is the only version of your project that matters when something goes wrong. Before you sign, make sure these ten clauses are present and specific.
(1) An itemized scope of work with materials specified by brand and model — "install customer-approved fixtures" is not a scope. (2) The total price and an itemized breakdown matching the bid. (3) A start date and a substantial-completion date, plus language for weather/permit delays. Vague timing is the most litigated gap in home improvement contracts.
(4) Milestone payments tied to completed, inspectable work — never dates on a calendar. A 10–15% deposit is standard; several states legally cap deposits. (5) A change-order clause requiring every scope change to be written, priced, and signed BEFORE the work happens. This single clause prevents most budget blowups.
(6) Who pulls permits (the contractor, under their license) and who pays the fees. (7) Confirmation of active general liability and workers’ comp, with the right to receive certificates. If the contract is silent on insurance, ask why.
(8) Lien waivers: conditional waivers with each progress payment and unconditional final waivers from the GC and major subs at final payment — this protects your title. (9) Warranty terms: at least one year on labor, in writing, plus pass-through of manufacturer warranties with registration handled.
(10) How either side can exit (with notice and payment for completed work), and how disputes get resolved — many contracts specify mediation before litigation. Also check your right to cancel: most states give homeowners a 3-day cooling-off period for contracts signed in the home.
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Get 3 Free QuotesFor typical projects, no — this checklist covers the essentials. For projects over ~$75k, additions, or anything structural, an hour of attorney review is cheap insurance.