Consumer Rights

Home Renovation Contracts: Get It in Writing

Most renovation disputes start with a vague agreement. A clear written contract protects you and your contractor. Here is what it should say.

A kitchen under renovation

Ontario's Consumer Protection Act gives homeowners real protections when they hire a contractor, especially when the work is agreed in advance and paid over time.

The short answer

Get a written contract with the price, scope, start and finish dates, payment schedule and warranty. If you get an estimate, the final price can't usually be more than 10% higher unless you agree.

What the contract should include

  • The contractor's legal name, address and contact details.
  • A detailed description of the work and materials.
  • The total price, and a payment schedule linked to stages of work.
  • Start and completion dates.
  • Who gets the permits.
  • Warranties, and how changes ("extras") will be priced and approved in writing.

Estimates and the 10% rule

A home under renovation

If a business gives you an estimate, it generally can't charge more than 10% above it unless you agree to the higher price.

Deposits

Keep deposits reasonable, pay by a traceable method, and never pay the full price before the work is done.

Cooling-off

If a contractor signs you up at your home, you may have a 10-day period to cancel under the Act. Door-to-door sales of some household products, such as furnaces and water heaters, are restricted.

When things go wrong

Keep photos, messages and invoices. A paralegal can help with a claim in Small Claims Court up to $50,000.

Talk to NEO

Need help with a consumer dispute? NEO can help you write a demand letter, or bring or defend a claim in Small Claims Court. Call 647-200-3526 or toll-free 888-519-2435, email info@neolegalservices.com, or book a free consultation.

Sources

Read next: Gift Cards in Ontario: No Expiry Dates, and Other Rules

General Ontario legal information, not legal advice for your matter, and reading it does not create a retainer. Sources checked 15 October 2026: check the current law, forms and dates before you act.

Photos from Pexels: A kitchen under renovation · A home under renovation.

This article is general information for people in Ontario, not legal advice. Rules, forms and deadlines change, and every situation is different. Check the current rule or speak to a licensed legal professional before you act.

Not sure where you stand? A licensed paralegal can look at your documents and tell you your options.

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Law Society of Ontario — Barreau de l'Ontario
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