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

In Missouri, a buyer may cancel a home solicitation sale of goods or services made on credit, personally solicited and agreed to at the buyer’s home, by written notice 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, in 10-point boldface type, a "NOTICE OF CANCELLATION" telling the buyer that the agreement may be canceled by mailing a notice to the seller within 3 business days; a contract with the Federal Trade Commission’s cooling-off notice also complies, and until the seller complies the buyer may cancel by any means. A written notice in any form is enough, and a mailed notice is given when deposited in a mailbox properly addressed and postage prepaid. Within ten days after cancellation the seller must return any payments and any note or other evidence of debt stamped "cancelled", and a seller who performed services before cancellation is entitled to no compensation. The buyer may not cancel if the buyer asked for goods or services without delay because of an emergency and the seller in good faith made a substantial beginning of performance before the notice. The federal cooling-off rule separately gives three business days to cancel many sales made at the buyer’s home. This is Mo. Rev. Stat. §§ 407.700, 407.705, 407.710, 407.715, 407.720.

WhatMissouri
Right to cancel3 business days for home solicitation sales on credit

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 sections 407.700 to 407.720 …”

Quoted word for word from the section’s text.

Source

Mo. Rev. Stat. §§ 407.700, 407.705, 407.710, 407.715, 407.720

Read the statute in the Missouri Revised Statutes (Missouri Revisor of Statutes): revisor.mo.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.

Guides on this rule

Compare this rule in every state

More Missouri rules

The same question in other states

Related