Need a Home Services Contract in Kentucky? AroundWire Can Help

In Kentucky, home services contracts—covering areas such as remodeling, repairs, HVAC, plumbing, electrical, and landscaping—are shaped by state and local regulations aimed at consumer protection and contractor accountability. Written contracts are strongly recommended and often required for projects exceeding certain dollar thresholds, particularly in jurisdictions with active building departments. Contractors must hold valid state or local licenses for trades such as electrical, plumbing, and HVAC; general contractors may also need registration depending on the municipality. Kentucky law requires that contracts specify scope of work, materials, project timelines, total cost, and payment schedule. State law prohibits unlicensed contracting and mandates clear disclosure of the contractor’s license number on marketing materials and contracts. Insurance obligations typically include general liability and, where applicable, workers’ compensation coverage; proof of insurance may be required before contract execution. Risk factors include potential liability for property damage, incomplete work, or code violations, making indemnification and hold-harmless clauses common. Payment terms often follow a deposit with progress payments tied to milestones; Kentucky law limits the amount of upfront payment that can be demanded, especially for residential work. Dispute resolution usually favors negotiation or mediation before litigation; some contracts specify arbitration. Statutory consumer protections, including the Kentucky Home Solicitation Sales Act, may require a three-day right to cancel for certain in-home contracts. Local ordinances and permitting requirements further influence contract structure and compliance in this sector.