What is a home improvement contract? {Ans: A "home improvement contract" is an agreement, whether or not in writing, between a contractor and a consumer or tenant for performance of a home improvement and includes all labor, services, and materials to be furnished and performed.}Who must obtain permits? {Ans: It is the duty and obligation of the prime contractor to secure all necessary permits, licenses, and Certificates of Occupancy or special exceptions in accordance with applicable state or local building laws. A contractor may not shift responsibility to the consumer.}What is the difference between a subcontractor and an employee? {Ans: A subcontractor is an individual in business for himself or a firm in business for itself contracting to do part of a home improvement contract with a prime contractor. An employee works for wages and is under the employer's (prime or subcontractor) direct supervision and control.}Is it necessary for a home improvement contractor to hire a licensed electrician to do certain types of work? {Ans: You must use a licensed electrician to install anything having to do with light, heat, and power, regardless of voltage.}What is home improvement? {Ans: The construction,repair, replacement, remodleing, alteration, comversion,