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Do you need a contract with your builder?

JCT Homeowner contracts, what they cover, and the clauses that matter.

2 min readUpdated October 2026England

Yes, you need a contract

For any job above a few thousand pounds, a written contract protects both sides. The JCT Homeowner Contract is written for domestic projects and costs under £30.

The clauses that matter

  • Scope of works and drawings referenced.
  • Price and how changes are priced.
  • Start date, duration and what happens on delay.
  • Payment schedule and retention.
  • Insurance: public liability, employer's liability.
  • Defects period (usually 6–12 months).
  • Dispute resolution.

What Quote Check adds

We check whether a contract is offered, which form, and whether its terms match the quote.

General information for England, not advice on your property. Rules change; we check the current position in every report.

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