Official book and homeowner knowledge hub

Protect Your Money Before You Sign

Practical guidance and tools for homeowners comparing renovation quotes, reviewing contractor scope, and preparing to sign.

Before the signature

Make the proposal easier to compare and question

Good decisions start with a written record of what each contractor is actually offering.

01

Compare contractor quotes

Compare the same scope, materials, schedule, and payment assumptions—not just the total.

02

Understand scope and exclusions

Identify what is included, excluded, owner-supplied, or still undecided.

03

Review allowances and cost risks

Treat allowances as placeholders that can change the final price.

04

Prepare for change orders

Agree on how changes are described, priced, approved, and recorded.

05

Check documents before signing

Read the estimate, contract, exhibits, and required local disclosures together.

06

Use practical homeowner tools

Use quick-reference resources only after their source material has been verified.

Start with a reliable baseline

Multiple estimates. Written details. No rushed signature.

The Federal Trade Commission advises homeowners to get multiple estimates, ask about large differences, and read a written contract carefully. Contract requirements vary by state.

Read the FTC homeowner guidance
Cover of Protect Your Money Before You Sign by W.J. Choi

The official book page

A Homeowner’s Guide to Renovation Contracts

U.S. Consumer Edition · First Edition, Version 1.0 · August 2026 · Kindle edition

See the Kindle edition of Protect Your Money Before You Sign on Amazon.