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What Contracts Should You Sign With a Restoration Company?

Last updated October 25, 2026

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The short answer

The Work Authorization

The main contract you sign is the work authorization. This document should spell out exactly what work will be done in your home, which rooms are included, and what materials will be used. It should also state the start and end dates, though those may be estimates if the damage is extensive.

Make sure the contract lists the specific tasks, such as water extraction, drying, and rebuilding. If the pros will remove damaged drywall or flooring, that should be in writing. Ask for a line-item list of tasks and materials so you know what you are approving.

Additional Service Agreements

If your water damage affects personal belongings, you may need separate agreements for specific services. For example, electronics restoration or artwork restoration often require a different contract because those items need specialized handling and may have different liability terms.

These additional agreements should state what items are being restored, what methods will be used, and what happens if an item cannot be saved. Ask about the condition of your items before and after the work, and get that in writing.

For antiques or valuable artwork, the contract should specify how the items are packed, transported, and stored if needed. It should also state who is responsible for damage that occurs during the process. Read these agreements carefully because they may limit the pro's liability.

If you have electronics, the contract should list each device and what restoration steps will be taken. Some electronics may not be recoverable, and the agreement should say how that is handled. Keep a copy of any inventory list attached to the contract.

Insurance and Payment Terms

Your insurance policy may cover part or all of the restoration work. If you are filing a claim, the contract should reference your claim number and the scope of work that the insurer has approved. Policies vary, and your insurer decides what is covered.

The contract should also state who is responsible for paying any deductible or non-covered costs. You should not sign a contract that requires you to pay for work that your insurer has not approved. Ask your insurance company what is covered before you sign.

Payment terms should be clear, including when payments are due and what happens if you miss a payment. Some pros may require a deposit, but the contract should state that amount and what it covers. Never pay the full amount upfront before the work is done.

Clauses to Look For

Read the contract for clauses about changes to the scope of work. Water damage can reveal hidden issues, like mold behind walls, and the contract should explain how those discoveries are handled. Look for a clause that requires written approval before any extra work is done.

Check for a clause about workmanship standards. While no pro can assure a specific outcome, the contract may state that the work will be performed to industry standards. Ask what happens if you find problems after the job is done, and get that in writing.

Look for a clause about access to your home. The contract should state when the pros will need to enter your property and whether you need to be present. It should also address what happens if you need to cancel or reschedule the work.

  • Scope of work with specific tasks and rooms
  • Materials list and any substitutions allowed
  • Payment schedule and deposit amount
  • Change order process for extra work
  • Workmanship standards
  • Cancellation and rescheduling policy

Before You Sign

Take your time to read the entire contract before you sign. Keep a copy of your contract in a safe place. Do not feel pressured to sign on the spot.

Ask questions about anything you do not understand. You can ask the pros to explain a clause or to change a term that seems unfair. Any changes should be written into the contract, not just agreed verbally.

If you are unsure about a contract, you can ask to have a lawyer review it, though that is not always necessary. At minimum, have a friend or family member read it with you. A second set of eyes can catch issues you might miss.

  • Read every page, including the fine print
  • Ask for changes in writing before signing
  • Keep a copy for your records
  • Verify the scope matches your insurance approval
  • Never sign with blank spaces
  • Get a written addendum for any changes

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Frequently asked questions

What if I need to add work after the contract is signed?

Any additional work should be documented in a written change order. This is a separate document that describes the new work, the cost, and the timeline. Sign it before the extra work begins to avoid disputes later.

Can I cancel the contract after signing?

Most contracts have a cancellation clause that explains the process. You may lose any deposit you paid, depending on the terms. Read the cancellation policy before signing, and ask for clarification if it is unclear.

Should I get a separate contract for my belongings?

Yes, if the pros will restore personal items like electronics or artwork, a separate agreement is wise. It should list each item and what will be done. This protects you if an item is lost or damaged during restoration.

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