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 New Hampshire, 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, which details the scope of work, materials, labor, and payment terms, is a critical legal document that should be clear and comprehensive to avoid disputes. It's important to verify that contractors and subcontractors are properly licensed and insured, including carrying worker's compensation insurance to cover any personal injuries they might sustain on the job. New Hampshire law requires certain disclosures and consumer protections in home improvement contracts. Before starting a project, homeowners should ensure that the work complies with local zoning laws, and that surveys and lot lines are respected to avoid encroachments. Mechanic’s liens are a legal tool for contractors and suppliers to secure payment for their work or materials, and homeowners should be aware of the process for enforcing or releasing these liens. Additionally, builder’s risk insurance can provide coverage for damage or loss to the home or materials during the renovation process. It is advisable for homeowners to consult with an attorney to navigate these legal issues and to ensure that all necessary permits and insurance are in place before commencing any home improvement project.