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 Missouri, 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 both 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 Missouri's contract laws. It's important to ensure that property surveys and lot lines are respected to avoid disputes or legal issues related to property boundaries. Missouri's Mechanic's Lien laws provide contractors, subcontractors, and suppliers with a legal tool to secure payment for services and materials. To release a mechanic's lien, a waiver or release must be obtained once payment is made. Insurance is another key consideration; builder's risk insurance may be necessary to protect against damage or loss during the renovation, while worker's compensation insurance is required for contractors and subcontractors to cover potential personal injuries on the job. Adherence to these regulations and proper documentation can help protect homeowners and ensure that the home improvement process proceeds smoothly.