Home improvement projects—also known as home repairs, renovations, or remodeling—range from small painting projects to complete reconstruction of rooms or of an entire home.

Home improvement projects can present a number of potential legal issues, including financing and loans (home equity line of credit or HELOC, for example); the construction contract for the work (materials and labor); surveys and lot lines; mechanic’s liens; waivers or releases of mechanic’s liens; insurance against damage or loss (builder’s risk) to the home or materials; and worker’s compensation insurance to insure against personal injuries sustained by a contractor or subcontractor.

In Illinois, home improvement projects are subject to various legal considerations. Financing such projects often involves a home equity line of credit (HELOC) or other loans, which are regulated by state and federal lending laws. The construction contract, which details the scope of work, materials, labor, and payment terms, is a critical legal document that should comply with Illinois state law. It's important to ensure that property surveys and lot lines are respected to avoid disputes. Mechanic’s liens are a legal tool that contractors and subcontractors can use to secure payment for their work, and property owners may require lien waivers to protect against claims. Illinois law provides specific procedures for filing and enforcing mechanic's liens. Insurance is another key consideration; builder’s risk insurance can cover damage or loss to the home or materials during the project, while worker’s compensation insurance is mandatory to cover personal injuries sustained by contractors or subcontractors on the job. Compliance with these legal aspects is essential to mitigate risks associated with home improvement projects in Illinois.