How long does a homeowner have to cancel a home improvement contract in Kentucky?

In Kentucky, a buyer may cancel a home solicitation sale of goods or services of $25 or more, personally solicited and agreed to at the buyer’s home, by written notice to the seller until midnight of the third business day after signing. The seller must have the buyer sign a written agreement dated the day the buyer actually signs that contains, under the conspicuous caption "BUYER’S RIGHT TO CANCEL," a statement that the buyer may cancel by mailing a notice before midnight of the third business day after signing, and until the seller does so the buyer may cancel in any manner. The buyer’s notice needs no particular form and is given when mailed, properly addressed and postage prepaid, to the address in the agreement. Within ten days after cancellation the seller must return any payments and any note or other evidence of debt, and a seller who performed services before cancellation is entitled to no compensation. The buyer may not cancel if the buyer asked for the goods or services without delay because of an emergency and the seller in good faith made a substantial beginning of performance before the notice, and any other waiver of these rights is void. The federal cooling-off rule separately gives three business days to cancel many sales made at the buyer’s home. This is KRS 367.410, 367.420, 367.430, 367.440, 367.450, 367.460.

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Right to cancel3 business days for home solicitation sales

What the statute says

“… the buyer has the right to cancel a home solicitation sale until midnight of the third business day after the day on which the buyer signs an agreement or offer to purchase which complies with this part …”

Quoted word for word from the section’s text.

Source

KRS 367.410, 367.420, 367.430, 367.440, 367.450, 367.460

Read the statute in the Kentucky Revised Statutes (Kentucky General Assembly): apps.legislature.ky.gov.

Checked against the statute on November 15, 2026.

This is a summary of a published statute, not legal advice. Rules change, local ordinances can add to them, and the terms of a specific lease may differ. Check the citation and speak to a lawyer before acting.

How Seayora uses this rule

An estimate on Seayora carries its own terms and contract text, and the customer’s approval is recorded with its date, so the day a cancellation period starts is on file for both the contractor and the homeowner.

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