Provides exemption from 3-day cancellation provision of home improvement contract in case of bona fide emergency.

This bill (A986) creates an exemption from New Jersey's standard 3-day cancellation period for home improvement contracts when a homeowner faces a bona fide emergency. It allows homeowners to waive their right to cancel by signing an emergency authorization form provided by the contractor, who must also give a written cost estimate upfront. If work costs exceed the estimate, the contractor must get additional written permission. The bill defines "bona fide emergency" broadly to include immediate threats to safety or habitability, such as failures in heating, plumbing, or electrical systems, and permits contractors to take urgent safety steps without the form if death or serious injury is imminent.