Free guide for contractors

Contractor notices by state

Before a job starts, many states require a contractor to hand the customer specific notices: what lien rights mean, what the contract must say, how to cancel. Miss one and, depending on the state, you can lose the right to file a lien, face a consumer-protection claim, or be unable to enforce the contract.

This guide covers notices a contractor working directly for the property owner gives the customer, in 11 states so far, in the order a job meets them. Each one is checked against the state's own statute or form, and links to it. Notices that subcontractors and suppliers send are not covered here.

General information, not legal advice. These are the rules as written, read on the date shown. Where a statute leaves a point unsettled, each state lists the cautious course: our reading of the safer choice, not a legal ruling and not a description of what any software does. Use the state's own form and wording, and check with a construction lawyer how the rules apply to your contracts. Federal rules, such as the FTC's door-to-door cooling-off rule and the EPA's lead-paint pamphlet for older homes, apply as well and are not covered here.

WA Washington

Checked against the state’s own text, not reviewed by a lawyer, November 3, 2026

Washington's central requirement is a disclosure statement the contractor gives the customer before starting work on most residential jobs and smaller commercial ones. A contractor hired directly by the owner owes no separate lien notice, but cannot claim a lien without proving the disclosure statement was delivered.

Washington compliance checklist

In or with the contract

Notice of the contractor's right to offer to cure construction defects

RCW 64.50.050
Applies to
A construction professional's contract for the sale, construction, or substantial remodel of a residence: a single-family house up to a fourplex, or a condominium or cooperative unit. A substantial remodel is one whose total cost is more than half the residence's assessed value for property tax when the remodel contract is made (RCW 64.50.010). For example, a $225,000 remodel of a home assessed at $400,000. No dollar threshold.
When
When the contract is entered into. The notice may be included in the contract if it is conspicuous. The required wording is set out in RCW 64.50.050(2).

If it is missed: The statute says that failing to give the notice does not bar any action (RCW 64.50.050(3)).

“The construction professional shall provide notice to each homeowner upon entering into a contract”RCW 64.50.050

Before work starts

Disclosure Statement: Notice to Customer

RCW 18.27.114
Applies to
Residential work on four or fewer units or accessory structures, with a bid or contract price of $1,000 or more. Work on a commercial building priced at $1,000 or more but less than $60,000. It does not apply to public works under chapter 39.04 RCW or to contracts between contractors (RCW 18.27.114(5)).
When
Before starting work on the project. The wording is set by the statute, and the Department of Labor and Industries publishes it as a form.
Signed by
The customer signs to acknowledge receipt. An electronic signature can satisfy a signature requirement under Washington's electronic transactions law (RCW 1.80.060) when both sides agreed to deal electronically, and the department's form itself refers to an electronic-signature copy. Keep a record that ties the signature to the customer and to that disclosure.
Keep
A signed copy for at least 3 years, to be produced to the Department of Labor and Industries on request (RCW 18.27.114(2)).

If it is missed: The contractor cannot claim a lien under chapter 60.04 RCW without alleging and proving that the disclosure was delivered (RCW 18.27.114(4)). Failing to give it is an infraction (RCW 18.27.114(6)).

Not settled: The statute does not say whether a residential building with five or more units is a commercial building here (so whether the $60,000 ceiling applies), whether the price includes sales tax, or how a later change order counts. Counting sales tax and changes toward $1,000 is the cautious course. It also sets no cure when a job reaches $1,000 after work has started.

“must provide the customer with the following disclosure statement ... prior to starting work on the project”RCW 18.27.114(1)

During the job

Jobsite notice posted by the prime contractor

RCW 60.04.230
Applies to
The prime contractor on any construction project costing more than $5,000, residential or commercial.
When
Posted in plain view at the jobsite for the duration of the project. It is posted at the site rather than handed to the customer. Posting the building permit under RCW 19.27.095 satisfies it.

If it is missed: A civil penalty of up to $5,000, payable to the county (RCW 60.04.230(3)).

“For any construction project costing more than five thousand dollars the prime contractor shall post in plain view”RCW 60.04.230

Notice that the contractor's registration has expired or been revoked or suspended

RCW 18.27.114(3)
Applies to
Any customer who was owed the Disclosure Statement above.
When
When the contractor's registration expires, or is revoked or suspended, before the contract is completed or terminated.

If it is missed: An infraction (RCW 18.27.114(6)).

Not settled: The statute does not set a deadline in days. Since 2026, RCW 18.27.010 does not treat some lapses of 30 days or fewer as unregistered while bond and insurance stay in place, but that does not expressly remove this duty to notify customers.

“shall notify any consumer ... if the contractor's registration has expired or is revoked or suspended”RCW 18.27.114(3)

Jobs sold at the customer’s home

Buyer's right to cancel a credit sale solicited away from the seller's office

RCW 63.14.154
Applies to
Only a retail installment (credit) transaction solicited in person, or by commercial phone solicitation, away from the seller's address. A job paid by cash or check is outside it. No dollar threshold.
When
The buyer may cancel until midnight of the third day after signing, not counting Sundays and holidays.

If it is missed: If the buyer cancels, the seller must refund any deposit within ten days (RCW 63.14.154(2)).

Not settled: This section gives the buyer a right to cancel. It does not itself require a written notice of that right. Whether another part of the law requires the contract to disclose it was not checked for this page.

“the buyer shall have the right to cancel a retail installment transaction”RCW 63.14.154(1)

Checked, and not owed

  • A notice of right to claim a lien is not required of a person who contracts directly with the owner (RCW 60.04.031(3)(a)).

Where the law is unsettled, the cautious course

Buildings with five or more units
The statute does not say whether they count as commercial. Give the disclosure on every residential building of any size, and don't rely on the $60,000 commercial ceiling for them.
Sales tax and change orders in the $1,000 threshold
Count sales tax and every change order toward $1,000, and give the disclosure the moment the running total reaches it.
Registration that lapses during a job
Treat any expired, suspended or revoked status as triggering the customer notice, and keep a record of the notice sent.

OR Oregon

Checked against the state’s own text, not reviewed by a lawyer, November 3, 2026

Oregon's requirements center on residential jobs over $2,000: a written contract, a lien notice and two Construction Contractors Board notices, all due at or before signing. Further rules cover new homes, sewer bids and contracts signed at the customer's home.

Oregon compliance checklist

Before the contract

Building-sewer bid disclosure

ORS 701.348(2)
Applies to
Anyone submitting a bid or written estimate to construct building sewer piping. No dollar threshold. The disclosure covers the contractor's license number, bonding and liability coverage, and the statement in ORS 701.325(1).
When
Before an agreement to perform the work.

If it is missed: Not stated in the section.

“shall provide to potential customers, prior to an agreement to perform”ORS 701.348(2)

In or with the contract

Written contract

ORS 701.305; OAR 812-012-0110; ORS 87.037
Applies to
Work to construct, improve or repair a residential structure or zero-lot-line dwelling for the property owner, where the aggregate contract price exceeds $2,000. By board rule, the contract must include the contractor's license number, an acknowledgment of the warranty offer where ORS 701.320 applies, and a conspicuous explanation of the owner's rights, including filing a complaint with the board and mediation or arbitration (OAR 812-012-0110(1)). Unlike the lien notice, there is no exception when the owner is a licensed contractor.
When
Before performing the work. If the price later exceeds $2,000, the contract must be mailed or delivered within five days after the contractor knows or should know (ORS 701.305(1)).

If it is missed: The original contractor has no lien without the required written contract (ORS 87.037). Violations can bring a civil penalty of up to $5,000 (ORS 701.992(1)). Failing to have one does not void the contract (ORS 701.305(1)).

Not settled: The five days run from when the contractor knows or should know the price will pass $2,000, not from an invoice or signed change order. The statute says "five days", so the safer reading is calendar days. Neither the statute nor the rule says who must sign the contract or how long to keep it.

“A contractor may not perform work ... without a written contract if the aggregate contract price exceeds $2,000.”ORS 701.305(1)

Information Notice to Owner About Construction Liens

ORS 87.093; OAR 812-001-0200(1); OAR 812-012-0130(2)
Applies to
A residential construction or improvement contract with the owner where the aggregate contract price exceeds $2,000. Also owed to the first purchaser of residential property the contractor built and sold (ORS 87.093(2)(a)). Not owed when the owner is a licensed contractor (ORS 87.093(5)).
When
When the contract is signed (ORS 87.093(2)(b)). If the price later exceeds $2,000, no later than five days after the contractor knows or should know (ORS 87.093(4)). Delivered personally, by registered or certified mail, or by first-class mail with a certificate of mailing (ORS 87.093(3)).
Signed by
The contractor and the property owner. The form must have signature lines (ORS 87.093(1)).
Keep
Proof of delivery for 2 years after the contract was entered into (OAR 812-012-0130(2)).

If it is missed: No lien under ORS 87.010 for that contract (ORS 87.093(6)), and license suspension or a civil penalty of up to $5,000 (ORS 87.093(7), ORS 701.992).

Not settled: The statute says "five days" with no working-day wording, while other lien provisions say so when they mean it, so the safer reading is five calendar days; the board's older chart says five working days. Its definition of residential property (ORS 87.093(8)(c)) has no four-story limit, unlike the board's classification under ORS 701.005, so coverage of a whole residential high-rise is not settled. The rule adopts the form as revised January 1, 2010, while the board's posted form is marked as adopted in 2016; which version controls is not confirmed.

“shall mail or otherwise deliver the “Information Notice to Owner” not later than five days”ORS 87.093(4)

Consumer Protection Notice

ORS 701.330; OAR 812-001-0200(2); OAR 812-012-0130
Applies to
Whenever ORS 701.305 requires a written contract: residential structure or zero-lot-line dwelling, aggregate price over $2,000, contract with the property owner (OAR 812-012-0130(1)).
When
On or before the date the contract is entered into (OAR 812-012-0130(1)).
Signed by
The contractor and the property owner (ORS 701.330(3)).
Keep
Proof of delivery for 2 years after the contract was entered into (OAR 812-012-0130(2)).

If it is missed: A civil penalty of up to $5,000 (ORS 701.992(1)).

Not settled: The rule sets no separate grace period when a job's price passes $2,000 after signing, though the board's chart says the notices must then be supplied. The cautious course is to deliver them at once, with the written contract.

“shall be delivered on or before the date the contract is entered into”OAR 812-012-0130(1)

Notice of Procedure for residential construction arbitrations and lawsuits

ORS 701.330; OAR 812-001-0200(4); OAR 812-012-0130
Applies to
The same jobs as the Consumer Protection Notice: whenever ORS 701.305 requires a written contract (residential, over $2,000, with the property owner).
When
On or before the date the contract is entered into (OAR 812-012-0130(1)).
Signed by
The contractor and the property owner (ORS 701.330(3)).
Keep
Proof of delivery for 2 years (OAR 812-012-0130(2)).

If it is missed: A civil penalty of up to $5,000 (ORS 701.992(1)).

Not settled: The rule sets no separate grace period when a job's price passes $2,000 after signing, though the board's chart says the notices must then be supplied. The cautious course is to deliver them at once, with the written contract.

“The board shall adopt by rule a notice of procedure form”ORS 701.330

Owner's right to cancel the initial written contract by the next business day

ORS 701.310
Applies to
The owner's initial written contract to construct, improve or repair a residential structure or zero-lot-line dwelling. No dollar threshold.
When
The owner may cancel by written notice until midnight at the end of the next business day. The right does not apply if both sides agree work starts sooner, once work has substantially begun, or to later changes to the contract.

If it is missed: Not stated. The section gives the owner a right; it does not itself require a notice.

Not settled: Board rule requires the contract to explain the owner's rights under it (OAR 812-012-0110(1)(c)). Whether that explanation must mention this right is not settled.

“may cancel the contract by delivery of a written notice of cancellation”ORS 701.310

Written offer of a warranty on new residential construction

ORS 701.320(1); OAR 812-012-0110(1)(b)
Applies to
A contract to construct, or the sale of, a new residential structure or zero-lot-line dwelling. Not manufactured dwellings. No dollar threshold.
When
A written offer to the owner or original purchaser. The contract must acknowledge the offer and record whether it was accepted or rejected.
Signed by
Acceptance or rejection is indicated in the contract.

If it is missed: A civil penalty of up to $5,000 (ORS 701.992(1)).

“shall make a written offer ... of a warranty against defects in materials and workmanship”ORS 701.320(1)

Recommended maintenance schedule for new residential construction

ORS 701.335; OAR 812-012-0120(8)-(9)
Applies to
A prime or general contractor that constructs a new residential structure or zero-lot-line dwelling for the homeowner or first purchaser.
When
The statute says when the warranty offer is made (ORS 701.335(1)). The rule says no later than 60 days after substantial completion or occupancy, whichever is later (OAR 812-012-0120(8)).

If it is missed: A civil penalty of up to $5,000 (ORS 701.992(1)).

Not settled: The statute and the rule give different timing.

“no later than 60 days after substantial completion of the structure or dwelling, or occupancy”OAR 812-012-0120(8)

Jobs sold at the customer’s home

Home solicitation sale: notice of the buyer's right to cancel within three business days

ORS 83.710, 83.720, 83.730
Applies to
Consumer services, including repairs, alterations or improvements to real property, that are personally solicited and where the buyer signs away from the seller's place of business, such as at home. Excludes a written contract to construct a new house (ORS 83.710(2)(c)) and cash or check sales under $25. A waiver for an emergency needs a separate writing from the buyer (ORS 83.720(5)).
When
At signing: a statement next to the buyer's signature in 10-point bold type, plus a notice of the right to cancel in duplicate (ORS 83.730). The buyer may cancel until midnight of the third business day (ORS 83.720(1)). The required wording is in the statute.
Signed by
The buyer signs the agreement.

If it is missed: The cancellation period runs from an agreement that complies (ORS 83.720(1)). Penalties are in ORS 83.990, which was not checked for this page.

Not settled: The buyer's invitation does not by itself take a sale outside this law. Its exclusions include a written contract to build a new house or business property, but not repair or remodeling. It and the next-business-day right in ORS 701.310 are separate and can both apply. Where an agreement is made when an estimate given at the home is accepted later online is not settled.

Where the law is unsettled, the cautious course

How the five days are counted
Count five calendar days, the shorter reading, starting as soon as the projected total passes $2,000.
Notices when a job passes $2,000 after signing
Give all three notices at once, with the written contract, rather than counting on a grace period.
Residential high-rises, condominium units and apartments
Give the lien notice on any residential building, whatever its height.
Which lien notice form version controls
Use the form the board currently posts, and keep a record of the exact version sent.
An estimate given at the home but accepted later online
Treat a sale that began with a home visit as one the home solicitation law may cover, and give its three-day cancellation notice.

ID Idaho

Checked against the state’s own text, not reviewed by a lawyer, November 3, 2026

Idaho requires a general contractor on a residential job over $2,000 to give a disclosure before the contract and a list of subcontractors and suppliers before final payment; there is no state form for either. Idaho's consumer protection rules add more: a cancellation notice on sales made away from the business, whether paid by credit or cash, the customer's consent before going over an authorized price, and an itemized bill on request.

Idaho compliance checklist

Before the contract

General contractor disclosure statement (lien waivers, proof of insurance, title insurance, surety bond)

Idaho Code § 45-525(2), (4)-(6); § 45-507(3)(e)
Applies to
A general contractor with a contract over $2,000 with a homeowner or residential purchaser to construct, alter or repair residential property of 1 to 4 dwelling units, owner-occupied or not (§ 45-525(5)(b)). Also the sale of newly constructed property. Excludes subcontractors without a direct contract (§ 45-525(5)(a)) and repairs the homeowner initiates for a bona fide emergency or for electrical, plumbing or water problems (§ 45-525(6)).
When
Before entering into the contract (§ 45-525(2)).
Signed by
The homeowner or purchaser signs an acknowledgment of receipt, and the contractor gives them a copy.
Keep
The contractor must keep proof of receipt. No period is stated. The lien deadlines (90 days to record, § 45-507; six months to sue, § 45-510) and the two-year consumer protection limit (§ 48-619) all run after the job, so keep it well beyond them.

If it is missed: An unlawful and deceptive act under the Idaho Consumer Protection Act (§ 45-525(4)). A claim of lien for work covered by § 45-525 must contain the proof of disclosure and acknowledgment of receipt (§ 45-507(3)(e)), so a missing disclosure or missing proof of receipt may jeopardize lien rights. The statute does not say that a missing disclosure automatically voids the lien.

Not settled: Not settled: whether a missing disclosure is fatal to a lien or can be cured; what applies when a contract that started at $2,000 or less grows past it through a change (giving the disclosure before approving that change is the cautious course); and what counts as a bona fide emergency. The exception covers homeowner-initiated contact for necessary repairs in a genuine emergency, or necessary repairs to the electrical, plumbing or water system, not every job in those trades.

“Prior to entering into any contract in an amount exceeding two thousand dollars ($2,000) with a homeowner”Idaho Code § 45-525(2)

During the job

Consent before going over an authorized price

IDAPA 04.02.01.122
Applies to
Any repair, improvement or service where the customer has expressly limited the authorized price. No dollar threshold.
When
Before exceeding the authorized price: get the customer's express oral or written consent.

If it is missed: An unfair and deceptive act or practice under the rule.

At final payment

Signed list of subcontractors, suppliers and rental-equipment providers over $500

Idaho Code § 45-525(3), (4)-(6)
Applies to
The same general contractor and jobs as the disclosure statement above (over $2,000, 1 to 4 units, direct contract). It lists each business that contracted directly with the general contractor and supplied more than $500, with business names, addresses and telephone numbers.
When
Within a reasonable time before closing on a purchase, or before the homeowner's final payment (§ 45-525(3)(a)).
Signed by
The general contractor. No homeowner acknowledgment is required.

If it is missed: An unlawful and deceptive act under the Idaho Consumer Protection Act (§ 45-525(4)). The contractor is not liable for errors outside its personal knowledge (§ 45-525(3)(c)).

Not settled: Whether the "proof of disclosure" a claim of lien must contain (§ 45-507(3)(e)) includes this list is not clear.

“a written disclosure statement, which shall be signed by the general contractor”Idaho Code § 45-525(3)

Itemized bill when the customer asks

IDAPA 04.02.01.131
Applies to
Repairs and improvements, unless there is an express contract setting a lump-sum price.
When
On the customer's specific request: one itemized bill, statement or copy of the work order showing labor (hours and rate, or the flat or job rate), each part and material and whether it is used or rebuilt, any other charges with their reason, or the units billed where the price is per unit.

If it is missed: An unfair and deceptive act or practice under the rule.

Jobs sold at the customer’s home

Home solicitation sale on credit: buyer's right to cancel within three business days

Idaho Code §§ 28-43-401, 28-43-402, 28-43-403
Applies to
Only a regulated consumer credit sale of goods or services, personally solicited, where the buyer agrees at their residence (§ 28-43-401). A job paid by cash or check is outside it.
When
At signing, the agreement must carry a "Buyer's Right to Cancel" statement, or the notice under the federal cooling-off rule. The buyer may cancel until midnight of the third business day (§ 28-43-402).
Signed by
The buyer signs the agreement.

If it is missed: Until the seller complies, the buyer may cancel by any means (§ 28-43-403(3)).

Not settled: This statute covers credit sales only. A separate Idaho rule (IDAPA 04.02.01.170, below) covers door-to-door sales whether paid by credit or cash.

“In a home solicitation sale, the seller shall present to the buyer and obtain his signature to a written agreement”Idaho Code §§ 28-43-401 to 28-43-403

Door-to-door sale: written cancellation notice, forms and oral explanation

IDAPA 04.02.01.020 (definition) and .170
Applies to
A sale of goods or services primarily for personal, family or household purposes of $25 or more, personally solicited, including after the consumer's invitation, where the consumer agrees somewhere other than the seller's place of business. Paid by credit or cash. Exclusions include a bona fide immediate personal emergency the consumer initiated, with a handwritten signed statement from the consumer, and sales after negotiation at the seller's store.
When
At the sale: a fully completed receipt or contract in the same language as the sales presentation (for example Spanish), with the seller's name and street address, the date, and the prescribed cancellation statement in 10-point type next to the signature; a completed Notice of Cancellation form in duplicate, easily detachable, in 10-point boldface; and an oral explanation of the right to cancel. The consumer may cancel within three business days. Waivers of the right are not allowed.
Signed by
The consumer signs the contract or receipt.

If it is missed: Each failure is an unfair and deceptive act or practice under the rule.

Not settled: How the rule applies when an estimate is given at the home but accepted later by email or online is not settled.

“in the same language, e.g., Spanish, as that principally used in the oral sales presentation”IDAPA 04.02.01.170.01

Checked, and not owed

  • Idaho does not require a contractor to tell the homeowner about the construction-defect notice and repair procedure at contract. Its notice duty falls on the person bringing the claim (Idaho Code §§ 6-2501 to 6-2504).

Where the law is unsettled, the cautious course

Whether a missing disclosure defeats a lien
Treat a missing disclosure or proof of receipt as putting lien rights at risk, since § 45-507(3)(e) ties a lien claim to that proof. Nothing settles whether a court would void the lien, or whether it can be cured.
A contract that grows past $2,000
Give the disclosure the moment a change would take the project over $2,000, before the change is approved.
The emergency exception
Keep it narrow: true emergencies threatening safety or property. Planned or routine work is not an emergency, and no trade is exempt as a whole.
How long to keep the signed disclosure
Keep it for at least six years after the job, well past the lien and consumer-protection deadlines. That is a cautious business-records policy, not a period the statute sets.

MT Montana

Checked against the state’s own text, not reviewed by a lawyer, November 3, 2026

Montana requires no lien notice at the start of a job from a contractor dealing directly with the owner. The biggest requirement is for building a new home: the contract must be in writing and contain specific disclosures, a payment schedule, change-order procedures and a warranty of at least one year. Montana also has rules for sales solicited away from the contractor's place of business, a construction-defect notice to homeowners, and the steps for filing and releasing a lien.

Montana compliance checklist

In or with the contract

Written contract with required terms for building a new home

MCA 28-2-2201
Applies to
A contract between a general contractor and an owner to build a new residence. Not repair or remodeling work, and not management of a repair project. No dollar threshold.
When
Before building: the contract must be in writing and contain (a) a disclosure that the contractor has a current general liability policy; (b) a disclosure that the contractor has workers' compensation coverage or is an independent contractor without employees; (c) the billing cycle and payment schedule; (d) the procedure for change orders; (e) the inspections and tests the contractor will do, and that the owner is entitled to the results; (f) that the owner may have their own inspections and tests done at their expense; and (g) an express warranty of at least one year from completion, describing what it covers and excludes.

If it is missed: The statute requires the contract to be in writing with these terms. The Montana Supreme Court has held an oral agreement to build a new residence void for failing this requirement (Mandell v. Bayliss, 2016 MT 205), which affected the contractor's contract damages and lien rights. It has also held the section does not reach a repair and project-management contract (Flathead Management Partners v. Jystad, 2019 MT 289).

Not settled: An ordinary estimate or invoice is unlikely to contain all seven terms, so it should not be treated as meeting this section on its own.

“must be in writing and must contain the following”MCA 28-2-2201(2)

Written notice to a homeowner of the residential construction-defect claim procedure

MCA 70-19-427(8)
Applies to
Residential only: a construction professional (builder, contractor or subcontractor) and a homeowner, for construction or remodeling of a single-family house or a condominium or cooperative unit. No dollar threshold.
When
The statute sets no time. It requires that the homeowner has been given written notice before the procedure can be enforced.

If it is missed: The pre-suit notice and repair procedure in MCA 70-19-427, which gives the contractor a chance to respond to a defect claim before a lawsuit, may not be enforced.

Not settled: The statute does not say who must give the notice, when, or in what form. A contractor who wants to rely on the repair procedure has the practical reason to make sure the homeowner gets it: a clearly labelled notice explaining 70-19-426 to 70-19-428, with a record that it was delivered. Whether putting it in the contract alone is enough is not settled.

“This section may not be enforced unless the home owner has been given written notice”MCA 70-19-427(8)

Jobs sold at the customer’s home

Identity disclosure at first contact in a personal solicitation

MCA 30-14-503
Applies to
A seller who contacts a buyer by phone or in person, unsolicited, away from the seller's place of business (the definition in MCA 30-14-502).
When
At the first contact, before any other questions or statements; a greeting is allowed first. The seller gives their own name, the business name and the goods or services, and in person shows an identification card with both names.

If it is missed: A civil fine of up to $1,000 per violation.

Not settled: Montana's rules exclude a sale where the buyer initiated contact with the seller (MCA 30-14-502(2)(b)), such as a homeowner calling to ask for an estimate. The federal Cooling-Off Rule is separate: it covers sales made after the buyer's invitation too, so it can still apply. It is not covered on this page.

“each seller shall, at the time of initial contact or communication with the potential buyer, clearly and expressly disclose”MCA 30-14-503

Personal solicitation sale: notice of the right to cancel within three business days

MCA 30-14-502, 30-14-504, 30-14-505, 30-14-508
Applies to
A sale of goods or services over $25 after the seller contacts the buyer by phone or in person away from the seller's place of business. Excluded: contact the buyer initiated; a buyer who already knew the seller, the business and the goods or services; sales over $5,000 that are not mainly personal, family or household; insurance; minors selling newspapers. The text has no emergency exception.
When
The seller furnishes a written notice with the sale, with the seller's name and business address, the statement and a detachable cancellation form the statute prescribes, in boldface of at least 10 points. Following the federal door-to-door rule's statement is an allowed alternative. The buyer may cancel until midnight of the third business day after signing, and the period does not start until the seller complies.
Signed by
The buyer signs the cancellation form to cancel.

If it is missed: Until the notice is given, the buyer may cancel in any manner. A violation is a violation of the Montana Unfair Trade Practices and Consumer Protection Act (MCA 30-14-508).

Not settled: Montana's rules exclude a sale where the buyer initiated contact with the seller (MCA 30-14-502(2)(b)), such as a homeowner calling to ask for an estimate. The federal Cooling-Off Rule is separate: it covers sales made after the buyer's invitation too, so it can still apply. It is not covered on this page.

“until midnight of the third business day after the day on which the buyer has signed an agreement”MCA 30-14-504

Only if you file a lien

Copy of a construction lien served on the owner before filing

MCA 71-3-534(2); 71-3-535(2)(b)
Applies to
Any construction lien claimant, including an original contractor who contracts directly with the owner. Residential and commercial. No dollar threshold.
When
Before the lien can be filed: the county clerk files it only with a certification that a copy was served on each owner of record. The lien must be filed no later than 90 days after final furnishing, or after the owner's notice of completion (MCA 71-3-535).
Signed by
The lien claimant or the claimant's agent certifies service. Service is personal, or by certified mail with return receipt requested to each owner of record's last-known address.

If it is missed: The clerk may not file the lien without the certification, and a lien not filed within 90 days does not attach.

“The clerk may not file the lien unless it is accompanied by a certification”MCA 71-3-534(2)

Acknowledging satisfaction of a lien after payment

MCA 71-3-537
Applies to
Any lien claimant whose lien-secured debt has been paid. Residential and commercial.
When
After payment. The section states no number of days.
Signed by
The lien claimant acknowledges satisfaction in the same manner as a mortgage.

If it is missed: Liability to any person injured by the failure, for the amount of the injury plus the costs of the action.

“the duty of the creditors to acknowledge satisfaction of the indebtedness in the same manner as a mortgage”MCA 71-3-537

Checked, and not owed

  • A notice of right to claim a lien is not owed by an original contractor who furnishes services or materials directly to the owner at the owner's request (MCA 71-3-531(1)(a)).
  • No general rule requires the contractor license number on bids, contracts or advertising: MCA 37-45-201 requires the license but not its display, and the rule on unprofessional conduct (ARM 24.227.2301, as the Department of Labor and Industry describes it) does not list one.
  • MCA 28-2-2202 sets inspection and warranty disclosures for a builder or developer selling a newly built, never-occupied home. That is a sale, not a homeowner hiring a contractor, so it is not covered here.

Where the law is unsettled, the cautious course

Whether the defect-procedure notice in the contract is enough
Use a separate, clearly labelled notice that explains the procedure in plain words, and keep a record that it was delivered.
An estimate given at the home but accepted later online
Assume the federal Cooling-Off Rule may apply to any sale that began with a home visit, and give its three-day cancellation notice.
License number on documents
No Montana rule found requires it. Showing the number when you have one does no harm; leaving it off is not a violation of any rule found.

UT Utah

Checked against the state’s own text, not reviewed by a lawyer, November 3, 2026

Utah puts two requirements into the contract itself: the contractor's license number, and, on a qualifying owner-occupied residence, a statement of what the owner must do to be protected from liens. Lien rights also depend on a preliminary notice filed with the State Construction Registry within 20 days of starting work, and the statute makes no exception for a contractor hired directly by a homeowner.

Utah compliance checklist

Before the contract

Contractor's license number on contracts, agreements and bids

Utah Code 58-55-304(2) (58-55-107(3) from January 1, 2027)
Applies to
Any work that requires a Utah contractor license. Residential and commercial. No dollar threshold.
When
On the bid, contract or agreement, and on permit applications. From January 1, 2027, 58-55-107(3) directs the licensing division to require the number on those same documents, and 58-55-107(5) allows action against a contractor who does not comply, including as unprofessional conduct. Neither version names invoices.

If it is missed: Not stated in 58-55-304 itself. General licensing discipline applies (58-55-401).

“The contractor's license number shall be made a part of all permit applications, contracts, agreements, or bids”Utah Code 58-55-304(2)

In or with the contract

Residence lien protection statement in the written contract

Utah Code 38-11-108; 58-55-501(18); 58-55-502(4)(e); Utah Admin. Code R156-38a-108
Applies to
An original contractor (one who contracts with the owner) or a real estate developer, building or working on an owner-occupied residence as the statute defines it (38-11-102): a single-family home or duplex the owner, or the owner's tenant or lessee, occupies as a primary or secondary residence within 180 days of completion, including factory-built housing. So a rental is not automatically excluded. Every such written contract. No dollar threshold. Not commercial work.
When
In the written contract with the owner, in substantially the form set by state rule, prominently presented in an easy-to-read type style and size (R156-38a-108, updated effective June 25, 2026). The current rule refers to 38-1a-502 and includes a $5,000 general-contract alternative; older wording reproduced elsewhere, including the licensing division's FAQ, does not match it.

If it is missed: Omitting it is unlawful conduct for an original contractor (58-55-501(18), renumbered 58-55-601(16) from January 1, 2027), which the licensing division says is punishable by citation and fine. It is also listed as unprofessional conduct where it applies (58-55-502(4)(e)). The duty remains even though the Residence Lien Recovery Fund is exhausted and cannot pay new claims, as the licensing division says.

Not settled: Whether an estimate the customer accepts electronically counts as the written contract, how an invoice-only job is treated, and where the line falls for second homes and rentals are not settled.

“shall state in the written contract with the owner what actions are necessary for the owner to be protected”Utah Code 38-11-108(1)

During the job

Preliminary notice filed with the State Construction Registry

Utah Code 38-1a-501; 38-1a-204
Applies to
Anyone who wants construction lien rights, including the original contractor working directly for the owner on a residential remodel: the statute makes no exception for it (38-1a-501(1)(a)). Residential and commercial. No dollar threshold.
When
No later than 20 days after starting construction work. A late notice is allowed, but there is no lien for work before 5 days after it is filed, and it has no effect if filed more than 10 days after a notice of completion. It is filed with the registry, not delivered to the owner; the registry notifies the owner only if the owner asked for notice or filed on the project (38-1a-204).

If it is missed: A person who fails to file a preliminary notice as required may not claim a construction lien.

Not settled: Filing preserves a requirement for a lien; it does not guarantee one. On a qualifying residence, 38-11-107 can bar a lien when the owner's protection conditions are met.

“shall file a preliminary notice with the registry no later than 20 days after”Utah Code 38-1a-501

Jobs sold at the customer’s home

Home solicitation sale on credit: buyer's right to cancel within three business days

Utah Code 70C-5-101 to 70C-5-105
Applies to
A consumer credit sale of goods or services solicited face to face at the buyer's home or workplace, with the agreement given there. Excludes sales at the seller's fixed place of business and existing open-end accounts. No dollar threshold.
When
At the sale, a signed written agreement with a statement under the caption "Buyer's Right to Cancel", worded as the statute prescribes; following the federal cooling-off rule counts as compliance. The buyer may cancel until midnight of the third business day after signing, and the seller refunds within 10 days of a cancellation.
Signed by
The seller presents the agreement and obtains the buyer's signature.

If it is missed: Until the seller complies, the buyer may cancel by any means. If the buyer cancels, a seller who performed services before the cancellation gets no compensation. There is no right to cancel when the buyer asked for emergency work, the seller substantially began in good faith, and the goods cannot be returned.

Not settled: This chapter covers consumer credit sales only, so a cash sale is outside it. The federal Cooling-Off Rule (16 CFR Part 429) is separate and can apply to covered home sales whether or not credit is used; it is not covered on this page.

“the buyer has the right to cancel a home solicitation sale until midnight of the third business day”Utah Code 70C-5

Only if you file a lien

Copy of a recorded construction lien to the owner

Utah Code 38-1a-502(1), (2)(i), (4)
Applies to
Any lien claimant, including the original contractor. On an owner-occupied residence the lien must also include the statement set by state rule under 38-11-107. No dollar threshold.
When
The lien is recorded within 180 days after final completion (90 days after a notice of completion, but no later than 180 days). A copy goes to the owner within 30 days after filing.
Signed by
The claimant signs the lien. The copy is delivered, or mailed by certified mail, to the reputed or record owner.

If it is missed: Failing to deliver or mail the copy bars an award of costs and attorney fees against the owner.

“Within 30 days after filing a notice of construction lien, the claimant shall deliver or mail”Utah Code 38-1a-502

Residence owner's rights instructions and form served with a lien-foreclosure complaint

Utah Code 38-1a-701(6)
Applies to
Any claimant, including the original contractor, in an action to enforce a lien on a residence.
When
With service of the complaint on the owner. The action is due within 180 days of recording the lien. The form and instructions are set by state rule.

If it is missed: The claimant is barred from maintaining or enforcing the lien on the residence.

“the claimant is barred from maintaining or enforcing the preconstruction or construction lien upon the residence”Utah Code 38-1a-701(6)

Cancellation of a paid lien on request

Utah Code 38-1a-803
Applies to
Any lien claimant once the full amount, with costs and cancellation fees, is paid and an interested person asks for cancellation. Residential and commercial.
When
Within 10 days after receiving the request. The claimant submits the cancellation to each county recorder.

If it is missed: Liability to the person who asked of $100 per day late or actual damages, whichever is greater.

“Within 10 days after receiving a request under Subsection (1), the claimant shall submit”Utah Code 38-1a-803

Checked, and not owed

  • Filing a notice of completion with the State Construction Registry is optional, not required (Utah Code 38-1a-507).

Where the law is unsettled, the cautious course

Whether an accepted estimate is the written contract
Put the lien protection statement, in the June 2026 wording, on residential estimates that can be accepted, so an accepted estimate already carries it.
Jobs documented only by an invoice
Include the statement on the invoice for a qualifying residence when no separate written contract exists.
Rentals, second homes and tenant-occupied homes
Treat any residence as covered unless it is clearly commercial, since the statute counts a tenant's home.
The exhausted recovery fund
Keep giving the notice, and don't suggest the fund can pay a claim.

CA California

Checked against the state’s own text, not reviewed by a lawyer, November 5, 2026

California's central requirement is the home improvement contract: over $500 it must be in writing, signed before work starts, and carry a set list of notices, including the Mechanics Lien Warning and the right to cancel. At any price the contract must be in writing, the down payment is capped, and every estimate meant to lead to a contract carries a statement about liability insurance.

California compliance checklist

Before the contract

Statement of whether you carry commercial general liability insurance

16 CCR 872
Applies to
Every estimate meant to lead to a home improvement contract, and the contract itself. Any price. Not commercial work.
When
On the estimate and on the contract, with the form's own headings and type sizes.

In or with the contract

Written home improvement contract and its required notices

Bus. & Prof. Code 7159
Applies to
A home improvement contract over $500. Not commercial work, and not a contract between contractors. A repair the customer called the contractor for that costs $750 or less, with nothing else sold and no payment asked for or accepted until the work is done, can use the simpler service and repair contract instead (7159.10).
When
Before work starts, in writing, with a copy for the customer. Among other things it shows the contractor's name, business address and license number, the price, the work, start and finish dates, and a schedule of any payments due before the work is finished. It carries the notices 7159(e) lists: liability insurance, workers' compensation, change orders, the Mechanics Lien Warning, the CSLB information notice, and the right to cancel. A job that grows past $500 after work starts needs the written contract before any more work.
Signed by
The contractor and the customer.

If it is missed: Leaving the required notices out may jeopardize the contractor's license.

Home improvement contracts in writing; down payment and progress payment limits

Bus. & Prof. Code 7159.5
Applies to
Every home improvement contract in California, at any price. The limits don't apply with a payment and performance bond the law accepts, and a service and repair contract under 7159.10 has its own rules.
When
The contract is in writing. The down payment may not be more than $1,000 or 10% of the price, whichever is less, and payments may not run ahead of the work done or the materials delivered.

If it is missed: Breaking these rules is a misdemeanor and may jeopardize the contractor's license.

Jobs sold at the customer’s home

Buyer's right to cancel a home improvement contract

Bus. & Prof. Code 7159(e); Civil Code 1689.5
Applies to
A home improvement contract. The three- and five-day notices aren't needed when the contract is negotiated at the contractor's place of business. The seven-day notice for emergency repairs is needed wherever it was negotiated.
When
In the contract: the customer can cancel within three business days, five if they are 65 or older, or seven for repairs after an emergency declared by the President, the Governor or a local government. The notice goes in 12-point bold next to the customer's signature, in the language used to make the sale, with a Notice of Cancellation in duplicate. California's home solicitation law counts business days its own way: Saturdays count, and only the holidays in Civil Code 1689.5(e) are skipped.

Not settled: Where the federal Cooling-Off Rule also applies to the same sale, the two rules can give different deadlines.

Checked, and not owed

  • Commercial general liability insurance itself is not required of a sole owner, partnership or corporation: only the statement saying whether you carry it (16 CCR 872).

Where the law is unsettled, the cautious course

Two cancellation deadlines for one sale
Where the state and federal rules both apply, give the customer the later of the two deadlines.
A job that grows past $500
Count the whole project, change orders included, and put the written contract in place before any more work once it passes $500.

NV Nevada

Checked against the state’s own text, not reviewed by a lawyer, November 5, 2026

Nevada sets out what a residential contract with a homeowner must contain, including a statement of the owner's rights under the Residential Construction Recovery Fund, and requires the license number and the license's monetary limit on bids and contracts. A general building contractor working for the owner of a single-family home also gives the owner a list of subcontractors and suppliers and information about lien rights.

Nevada compliance checklist

Before the contract

License number and monetary limit on bids and contracts

NAC 624.640(5)
Applies to
Bids and contracts. Residential and commercial. No dollar threshold.
When
On the bid and on the contract: the contractor's license number and the license's monetary limit.

Subcontractor list and lien information for the owner

NRS 624.600; NAC 624.693, 624.6932
Applies to
A general building contractor working for the owner of a single-family home. No dollar threshold.
When
In writing: the name, license number and contact details of every subcontractor and of every supplier of $500 or more of materials, a notice about lien rights, and the Contractors Board's two information forms (their text is in NAC 624.693 and 624.6932). The contract must say they were given.

Not settled: The statute names no deadline.

In or with the contract

Residential improvement contract requirements

NRS 624.970
Applies to
A contract with an owner who lives in the home: a house, or a condominium, townhouse or duplex unit. It doesn't cover new homes, rentals, homes bought to resell, or pool, spa and solar work, which have their own rules. No dollar threshold.
When
In writing, including, among other things, the license number and its monetary limit, the owner's name and address, the dates, the work, and the total including taxes. The down payment may not be more than $1,000 or 10% of the price, whichever is less, unless the contractor has filed the $100,000 consumer protection bond with the Contractors Board or the Board has granted relief from the license bond, and progress payments may not run ahead of the work done unless there is a payment and performance bond. There must be a way for the owner to initial the required provisions, the written information is in at least 10-point bold, and the owner gets a copy when signing.
Signed by
The contractor and the owner, who also initials the required provisions.

If it is missed: If items are missing, the owner may modify the contract, and the owner may be able to void a down payment clause over the limit.

Residential Construction Recovery Fund statement

NRS 624.520
Applies to
A residential contract. No dollar threshold.
When
In the contract, in the form NRS 624.520 gives. The Contractors Board says to use the text word for word.

If it is missed: Leaving it out can bring a fine of up to $250 the first time.

Jobs sold at the customer’s home

Buyer's right to cancel a door-to-door sale

NRS 598.140 to 598.2801
Applies to
A sale made at the customer's home, from $25, whether or not the customer invited the contractor.
When
The customer can cancel until midnight of the third business day. A bold statement goes next to the customer's signature, with two copies of the Notice of Cancellation, and the right is explained out loud. Nevada counts business days its own way, skipping only Sundays and Nevada's holidays.

Not settled: Where the federal Cooling-Off Rule also applies to the same sale, the two rules can give different deadlines.

Where the law is unsettled, the cautious course

No deadline for the subcontractor list and lien information
Give them with the contract, and say so in the contract.
Two cancellation deadlines for one sale
Where the state and federal rules both apply, give the customer the later of the two deadlines.

AZ Arizona

Checked against the state’s own text, not reviewed by a lawyer, November 5, 2026

Arizona requires a written contract over $1,000 with set contents, including the owner's right to complain to the Registrar of Contractors. On a home the owner lives in, lien rights depend on a written contract signed directly with that owner.

Arizona compliance checklist

In or with the contract

Written contract requirements

A.R.S. 32-1158
Applies to
A contract over $1,000. Residential and commercial. Not a contract between contractors.
When
In writing, before the contract is made. It includes the contractor's name, address and license number, the owner and the job address, the date and the estimated completion date, the work, the total including taxes, any deposit and the progress payments. It also tells the owner, in at least 10-point bold, that they can file a complaint with the Registrar of Contractors, with the Registrar's phone number, website and time limit. A job that grows past $1,000 needs the written contract before any more work.
Signed by
The contractor and the owner.

If it is missed: Leaving items out doesn't make the contract unenforceable, but may jeopardize the contractor's license.

Before work starts

Lien rights on an owner-occupied home need a written contract

A.R.S. 33-1002
Applies to
A home the owner lives in (a condominium unit counts). It counts as owner-occupied if the owner lives there for at least 30 days in the 12 months after the work. No dollar threshold.
When
A lien on the home is allowed only to someone with a written contract signed directly with that owner.
Signed by
The owner and the contractor.

If it is missed: Without that contract, including when working for another contractor rather than the owner, lien rights on the home may be jeopardized.

Not settled: The statute names no deadline for the contract.

Jobs sold at the customer’s home

Buyer's right to cancel an uninvited home solicitation sale

A.R.S. 44-5001 to 44-5008
Applies to
A sale where the contractor came to the customer's home without an invitation, appointment or their consent. Any price.
When
The customer can cancel until midnight of the third business day (44-5004). The agreement needs its Notice to Buyer and two copies of the Notice of Cancellation.

Where the law is unsettled, the cautious course

No deadline for the owner-occupied written contract
Sign it with the owner before work starts.
A job that grows past $1,000
Count the whole project, change orders included, and put the written contract in place before any more work once it passes $1,000.

NM New Mexico

Checked against the state’s own text, not reviewed by a lawyer, November 5, 2026

New Mexico's rule covered here is about the contractor's own name: contracting without showing the full name as it appears on the Construction Industries Division license is grounds for discipline. Other New Mexico notices are not covered here yet.

New Mexico compliance checklist

Before the contract

Full name as licensed

14.5.8.8(A)(5) NMAC
Applies to
Contracting in New Mexico. Residential and commercial. No dollar threshold.
When
On the documents the contractor uses to contract: the full name as it appears on the CID license.

If it is missed: Contracting without it is grounds for discipline, and a different name may jeopardize the license.

Not settled: The rule names no deadline.

Where the law is unsettled, the cautious course

No deadline named
Show the licensed name on every estimate and contract.

TX Texas

Checked against the state’s own text, not reviewed by a lawyer, November 6, 2026

Texas's residential construction rules apply when the owner lives, or plans to live, in the home: a disclosure statement before the contract, a list of subcontractors and suppliers before construction, a disbursement statement with each payment request, and a bills-paid affidavit at final payment. Work on a homestead needs a written, signed and filed contract for lien rights.

Texas compliance checklist

Before the contract

Residential construction disclosure statement

Prop. Code 53.255
Applies to
Residential construction on a home the owner lives in, or plans to live in: a house, a duplex to fourplex, or a condominium or co-op unit. No dollar threshold.
When
Before the owner signs the contract: the statement "Know your rights and responsibilities under the law", worded substantially as 53.255 gives it.

Before work starts

Written contract for work on a homestead

Prop. Code 53.254, 41.007
Applies to
Work on the owner's homestead. No dollar threshold.
When
A written contract signed before any work or materials, by both spouses if the owner is married, and filed with the county clerk. A contract to improve an existing homestead also carries the "Important notice" in 41.007 in at least 10-point bold, and an arbitration clause binds the owner only if it is in 10-point bold too.
Signed by
The owner (both spouses if married) and the contractor.

If it is missed: Without the written, signed and filed contract, lien rights on the home may be jeopardized. Leaving out the 41.007 notice is a deceptive trade practice under Texas law (41.007(b)).

List of subcontractors and suppliers before construction

Prop. Code 53.256
Applies to
Residential construction on a home the owner lives in, or plans to live in. No dollar threshold.
When
Before construction starts: a written list of every subcontractor and supplier with their name, address and phone number, and an updated list within 15 days of adding or removing one. The list carries its notice in 10-point bold. The owner may waive the list in writing.

During the job

Disbursement statement with each payment request

Prop. Code 53.258
Applies to
Residential construction on a home the owner lives in, or plans to live in. No dollar threshold.
When
Each time the contractor asks the owner (or their lender) for payment: a statement naming each subcontractor hired directly that the contractor plans to pay from that money, delivered as agreed in writing or, if nothing was agreed, before the payment is received.

If it is missed: Knowingly or recklessly giving false information in it is a misdemeanor (53.258(f)).

At final payment

Bills-paid affidavit at final payment

Prop. Code 53.259
Applies to
Residential construction on a home the owner lives in, or plans to live in. No dollar threshold.
When
At final payment: a signed affidavit that everyone who supplied labor or materials has been paid, or listing who hasn't and how much is owed, with their contact details.
Signed by
The contractor.

If it is missed: Knowingly or recklessly signing a false or misleading affidavit is a misdemeanor, and the contractor is personally liable for a false one (53.259(c)-(d)).

Jobs sold at the customer’s home

Buyer's right to cancel a home solicitation sale

Bus. & Com. Code ch. 601
Applies to
A sale over $25 that the contractor solicited, and the customer agreed to, away from the contractor's place of business. It doesn't cover a sale agreed after negotiating at the contractor's fixed place of business. For a licensed plumber, electrician or A/C contractor whose customer started the transaction, ch. 601 doesn't apply, except for a breach of an express warranty or a negligent installation that breaks a building code.
When
The customer can cancel until midnight of the third business day, with a 10-point bold statement next to their signature in the language used to make the sale, two copies of the Notice of Cancellation, and the right explained out loud. If they cancel, within 10 business days the contractor refunds all payments, returns any trade-in, cancels any note or security interest, and puts the property back the way it was before the work, unless the customer asks not to (601.154).

If it is missed: Getting it wrong may jeopardize the contract.

Not settled: Chapter 601 doesn't define a business day.

Where the law is unsettled, the cautious course

Whether the owner lives, or plans to live, in the home
Treat a residential job as covered unless you know the owner neither lives nor plans to live there.
Chapter 601's business days
Count them as the federal rule does: every day except Sundays and federal holidays (16 CFR 429.0).

CO Colorado

Checked against the state’s own text, not reviewed by a lawyer, November 6, 2026

Colorado does not license residential contractors at state level, and the notice rules here are about the contract: a roofing contract on a home over $1,000 must be in writing with set terms, and a home sale on credit the contractor arranges carries a right to cancel.

Colorado compliance checklist

In or with the contract

Residential roofing contract requirements

C.R.S. 6-22-103 to 6-22-105
Applies to
Roofing work on a home: a detached one- or two-family house, or single-family homes up to three stories with separate means of egress; attached homes only where an association is responsible for the roof; not new construction. The roofing contract itself must be over $1,000; other work on the job doesn't count.
When
Before starting, a written contract with the scope of work and materials, the approximate dates and costs, the contractor's physical address, email and phone, the surety and liability insurer if there are any, a cancellation and refund policy that lets the owner rescind within 72 hours of signing and get any deposit back, a statement of the right to rescind within 72 hours of an insurer denying the claim where a property and casualty policy pays (6-22-104), and, if the owner plans to pay with property and casualty insurance, a statement that the contractor can't pay, waive or rebate the deductible. On its face, in bold, it says the contractor holds the payments in trust until materials are delivered or most of the work is done. A roofing contract that passes $1,000 after work starts needs the written contract before any more work. A rescission within 72 hours of signing gets a full refund of any deposit; after a rescission following an insurance denial the contractor refunds within 10 days, less pay for work already done (6-22-104). Promising to pay or rebate a deductible is barred (6-22-105(1)).
Signed by
The contractor and the owner.

Jobs sold at the customer’s home

Buyer's right to cancel a home solicitation sale on credit

C.R.S. 5-3-401 to 5-3-405
Applies to
A sale the customer agrees to at their home, where the contractor gives or arranges the credit (paid in installments or with a finance charge, not by a bank card), unless federal Truth in Lending already gives a right to rescind.
When
The customer can cancel until midnight of the third business day after signing. The emergency exception is narrow: it needs a separate dated and signed statement from the buyer, not a printed form, describing an emergency that needs immediate repair, and the contractor must already have made a substantial beginning on the work (5-3-402(5)). If the customer cancels, the contractor is entitled to no compensation for services performed before the cancellation.

If it is missed: If the required notice was never given, the customer can cancel for up to three years.

Where the law is unsettled, the cautious course

A roofing contract that grows past $1,000
Put the written roofing contract in place before any more work once the roofing part passes $1,000.