The National Association of Attorneys General lists home-improvement scams as one of the top-ten consumer problems. The most important thing to remember to have a written, signed and properly executed contract before any work is begun on your home or property. In particular, make sure the following information is contained in the contract: A complete description of the work to be done and the materials to be used; A provision requiring written approval for ANY changes; A statement that explains the builder’s or contractor’s guarantee on the work that he or she will perform; A starting date and a completion date; A complete description of the cost of the job, full disclosure of the payment terms, and the financing costs; Your signature and the contractor’s signature.