Kitchens. Baths. Flooring. Decks. Windows. ZeroFi turns the same conversation into a 6-page proposal — with 30/50/20 payment schedule and 2-year workmanship warranty already in there.
Bathroom Remodel
Master bath gut renovation · 80 sq ft
Payment schedule
The home improvement reality
Open the wall, find rotted subfloor or galvanized plumbing. Without the right exclusion, that's eating into your margin.
Client buys their own dream faucet from Wayfair. It leaks. Whose problem is it? ZeroFi's default scope says "owner-supplied not warranted."
"Can you touch up the hallway paint while you're here?" Without a documented work zone, you eat it. With ZeroFi's defaults, you bill it.
Home improvement defaults, day one
Default scope exclusions
Default payment terms
30% deposit on acceptance (schedule + materials). 50% at material delivery / project start. 20% upon completion / walk-through. Past-due 1.5%/mo. Valid 30 days.
Default warranty wording
2-year workmanship warranty from completion. Manufacturer warranties on materials and fixtures pass through. Damage from misuse, settling outside reasonable tolerances, or modifications by others is not covered.
Same product, remodel-shaped
Cover · Approach · Scope · Schedule · Pricing · Warranty · Signature. Polished enough for design-conscious clients.
"Kitchen remodels close 2× faster than baths." "Owner-supplied jobs run 18% over schedule." Patterns that change how you bid.
30/50/20 auto-invoices fire at each phase. Client pays from the portal. No "I'll mail the check" delays.
"Owner-supplied exclusion language saved us a $2,300 leak callback. The clarity itself sells the job."
Amber Sutton
Owner · Sutton Home Studio · Nashville, TN
Placeholder — replace with real customer once available.
14-day trial. Home Improvement pre-selected. Generate a real bath / kitchen / floor proposal.