Plumbing Construction Contract
This document is a starting point, not legal advice. Residential construction contracts are governed almost entirely by state law, and the written-contract threshold, down-payment cap, mandatory notices, right-to-cancel wording, mechanics lien deadlines and retainage limits all differ from state to state. Have a licensed attorney in the state where the work is performed review and adapt this agreement before you use it. The federal FTC Cooling-Off Rule (16 CFR Part 429) applies only where the buyer signed at a place other than the contractor’s place of business; it does not replace any state right to cancel.Plumbing · Fixed-scope project agreement
Contract price
$0.00
Scheduled
$0.00
Final payment
$0.00
Retainage 0%
$0.00
1Parties & propertyWho is contracting, and the property the work happens at.
Contractor
Owner
2Project & jurisdictionThe one project this contract covers, and whose law governs it.
3Scope of work & exclusionsFixed-price disputes rarely start over what the scope said. They start over what the owner assumed was in it. Concealed conditions, finish repair after demolition, and code-required upgrades are the three that recur, so name them in the exclusions rather than leaving them to argument.What the price buys, and, in writing, what it does not.6 included · 5 excluded
Included in the contract price
NOT included
4Contract price & payment scheduleAuto-calculatedStage the money against physical progress, not against a percentage.$0.00 of $0.00 scheduled
Progress payments
5Terms & the right to cancelWarranty, termination, lien deadline, and where the owner actually signed.Federal rule does not apply
Federal 3-day right to cancel does not apply
Below the $25 threshold that 16 CFR 429.0(a) sets for this signing location, so the federal rule does not apply. Enter the contract price to re-check.
6State-law reviewLiveEvery reference point below is a real statute we can cite, used as a comparison, not as the law where you are. No 50-state table is hardcoded here, because a stale one is more dangerous than none: retainage law alone changed in New York, Mississippi, Washington and California within three years.Six categories of requirement your state is likely to impose.1 need attention · 0 to confirm
Written contract · Written, signed before work begins
Not recordedEnter the contract price. California requires a written home improvement contract above $500; your state sets its own trigger.
Cal. Bus. & Prof. Code § 7159
Down payment · Down payment within the state cap
Not recordedEnter the contract price and down payment. Caps are state law and range widely, California allows the lesser of $1000 or 10%, Pennsylvania and Maryland allow up to one third.
Cal. Bus. & Prof. Code § 7159(d); 73 P.S. § 517.7(f); Md. Bus. Reg. § 8-617
Right to cancel · FTC 3-business-day cancellation does not apply
Looks fineBelow the $25 threshold that 16 CFR 429.0(a) sets for this signing location, so the federal rule does not apply. Enter the contract price to re-check.
16 CFR §§ 429.0-429.1
Mandatory notices · 3 of 7 common required items present
Needs attentionStill missing: contractor license number; property address; approximate start and completion dates; schedule of progress payments tied to work phases. California requires all of these plus board contact details, insurance and bond disclosures, and specific boldface headings, confirm your state's list.
Cal. Bus. & Prof. Code § 7159(d)
Lien notice · Preliminary lien notice deadline not recorded
Not recordedPreliminary/pre-lien notice deadlines are state law and vary, California requires notice within 20 days of first furnishing labor or materials, and a contractor in direct privity with the owner need only serve the construction lender. Look up your state's deadline and record it here.
Cal. Civ. Code §§ 8200, 8204
Retainage · No retainage withheld
Looks fineNo retainage withheld, so no cap applies. If you add it, note that caps are state-set, California caps private-works retention at 5% for contracts entered on or after Jan 1 2026, with a carve-out for residential projects that are not mixed-use and are four stories or fewer.
Cal. Civ. Code § 8811
7Contract clausesThe construction spine, change orders, completion, retainage, lien rights, warranty.12 clauses
1. Scope of Work
2. Contract Price & Payment Schedule
3. Change Orders
4. Schedule & Delays
5. Permits, Codes & Inspections
6. Substantial Completion
7. Retainage & Final Payment
8. Mechanics Lien Rights & Notices
9. Warranty
10. Insurance & Indemnity
11. Termination & Suspension
12. Dispute Resolution & Governing Law
8SignaturesBoth parties sign, add the signature images from the chips below.
Contractor
Owner