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 Washington State, 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 comply with Washington's contract laws. Before starting a project, homeowners should ensure that property surveys respect lot lines to avoid disputes. 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 Washington State lien laws. Homeowners and contractors should also be aware of the need for waivers or releases of mechanic’s liens upon payment. Insurance is another important consideration; builder’s risk insurance may be necessary to protect against damage or loss during the renovation, and worker’s compensation insurance is required for contractors and subcontractors to cover personal injuries on the job. Compliance with these regulations is essential to ensure that home improvement projects are completed legally and without unnecessary risk.