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 Kentucky, home improvement projects are subject to various legal considerations. Financing such projects often involves securing a home equity line of credit (HELOC) or other loans, which are regulated by state and federal lending laws. The construction contract is a critical document that outlines the scope of work, materials, labor, payment schedule, and other terms; it should comply with Kentucky's contract laws. Before starting a project, homeowners should verify property boundaries through surveys to avoid disputes over lot lines. Mechanic’s liens are a legal tool that contractors and subcontractors can use to secure payment for their work, and these liens must be filed in accordance with Kentucky statutes. Homeowners and contractors may use waivers or releases of mechanic’s liens as part of the payment process. Insurance is another important aspect, with builder’s risk insurance policies covering damage or loss to the property or materials during construction. Additionally, worker’s compensation insurance is mandatory in Kentucky for employers, including contractors, to cover personal injuries sustained by workers on the job. Homeowners should ensure that their contractors have the appropriate insurance to mitigate liability. Consulting with an attorney can help navigate these legal issues and ensure compliance with relevant laws and regulations.