Michigan Residential Construction Contract (Home Improvement) (2026)

A contract between a homeowner and a contractor for building, remodeling or repair work — scope, schedule, price, payment milestones, change orders, insurance, warranty and the notices your state requires in the contract.

Updated September 2026≈ 9 minReviewed against 16 C.F.R. § 429.1

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What you'll get

Sample first page of the Residential Construction Contract (Home Improvement). Your answers fill in the blanks; the clauses required in Michigan are added automatically.

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What this document covers

Owner, contractor and licence number
Project address and full scope of work
Start date and substantial completion date
Fixed price, cost-plus or time and materials
Down payment inside your state's legal cap
Payment milestones tied to the work
Written change-order procedure
Permits, inspections and code compliance
General liability and workers' compensation
Warranty, termination, disputes and the notices your state mandates

Michigan rules that this document follows

Contractor license	Not confirmed — no statewide residential contractor licence was found; a city or county registration may still apply
License number on the contract	Not required by a confirmed statute; printing it anyway is good practice
Written contract required	Not confirmed — no statewide statute was found; a written contract is still the only workable record
Down payment cap	None confirmed — no statutory cap was found; a deposit tied to mobilisation and special-order materials is the norm
Right to cancel	3 business days — Federal law gives the owner three business days to cancel a home improvement sale of $25 or more that was signed away from the contractor's regular place of business (at the owner's home, a fair, a hotel or a jobsite). The contract must carry the cancellation notice and two copies of a cancellation form.Source: 16 C.F.R. § 429.1(a) (FTC Cooling-Off Rule)

Rules current as of 2026-09-14. Statutes change; verify before relying on them.

How to use this Residential Construction Contract (Home Improvement) in Michigan

No statewide home improvement contract statute was confirmed for Michigan, so the contract itself is the only protection either side has. This template writes the scope, the dates, the price, the payment milestones and the change-order rule into one document and prints the notices your state requires around it.

Price the job in one of three ways. A fixed price puts the risk of overruns on the contractor and is what most homeowners should ask for. Cost plus a fee makes sense for open-ended renovation, but only with a not-to-exceed number and access to the books. Time and materials suits small repairs where nobody can scope the work in advance. Tie the rest to milestones a person can stand in the room and verify — never to a calendar.

No statewide residential contractor licence was confirmed for Michigan, so check whether the city or county registers contractors before the work starts. Ask for a certificate of general liability insurance and, where the contractor has employees, workers' compensation. An uninsured injury on your property is the one construction risk a homeowner cannot fix afterwards.

Beyond the federal cancellation notice, no state-mandated contract notice was confirmed for Michigan. If the owner signs anywhere other than the contractor's regular place of business, the federal Cooling-Off Rule gives three business days to cancel and requires two copies of a cancellation form (16 C.F.R. § 429.1(a) (FTC Cooling-Off Rule)). Sign before any work begins, hand the owner a full copy the same day, and collect a lien waiver with every payment.

Frequently asked questions

Does Michigan require a written home improvement contract?

No statewide written-contract statute was confirmed for Michigan, but an oral construction contract is close to unenforceable in practice: without a written scope, price and schedule there is nothing to hold either side to.

How big a down payment can a contractor ask for in Michigan?

No statutory down-payment cap was confirmed for Michigan. Even so, a deposit larger than what mobilisation and special-order materials actually cost is a warning sign — pay for work, not for promises.

Can I cancel a signed contract in Michigan?

Usually yes. Federal law gives the owner three business days to cancel a home improvement sale of $25 or more that was signed away from the contractor's regular place of business (at the owner's home, a fair, a hotel or a jobsite). The contract must carry the cancellation notice and two copies of a cancellation form. (16 C.F.R. § 429.1(a) (FTC Cooling-Off Rule)) If the contract was signed at the contractor's own showroom or office, that federal right does not apply and the contract's own termination clause governs.

What notices must the contract itself contain in Michigan?

No state-mandated contract notice was confirmed for Michigan beyond the federal cancellation notice for contracts signed away from the contractor's place of business. The lien and insurance language in this template is still worth keeping.

Does the contractor's license number have to be on the contract?

No statewide residential contractor licence was confirmed for Michigan. Local registration may still apply, so check the city or county before signing.

Who pays if a subcontractor liens my house after I paid the contractor?

In most states the lien attaches to the house even though the owner paid, which is why this contract makes the contractor pay downstream and deliver a lien waiver with every payment. Collect the waivers before releasing each milestone, and keep the final payment until the last waiver is in hand.

Other names

home improvement contract
residential construction contract
remodeling contract
contractor agreement
general contractor contract
home remodeling agreement
renovation contract
construction agreement homeowner
home repair contract
builder contract

Other states

FormsByState provides self-help document templates and general information, not legal advice. We are not a law firm. For advice about your situation consult a licensed attorney in your state.