In this episode of Home Truths, Amy and Jane unpack the legal foundations every homeowner should have in place before work begins.

We cover what actually needs to be in writing — from scope and programme to payment terms and change control — and why handshake agreements so often fall apart once time, money and stress enter the picture.

You’ll also learn:

• The key insurance types every project should have (public liability, employers’ liability, contract works)
• Who is responsible for what — contractor vs homeowner
• Why seeing certificates matters
• How subcontractor insurance gaps can create unexpected risk
• And how clear paperwork actually protects the working relationship, rather than undermining it

If you’re about to sign a contract — or wondering whether your project is properly protected — this episode will give you the clarity and confidence to move forward safely.

Because in renovation, what feels “boring” at the start is often what saves you later.

Disclaimer: The information shared in this episode is for general guidance only and does not constitute legal, architectural, or professional advice. You should seek advice specific to your own project before making decisions.

Resources we talk about in this episode:

JCT home Owner Contracts

Webinar with Renovation Plan

Mention 'HomeNotes' to get £25 off your insurance with Renovation Plan*

(*We may earn a small commission from suppliers mentioned if you use our code or links.)

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