Consumer · Right to Cancel
Right to Cancel a Purchase in Indiana
How long you have to cancel a door-to-door purchase in Indiana, the longer windows for timeshares and other categories, and why there is no general three-day right to return a car. Cited to the statute.
When the cooling-off right applies in Indiana
The door-to-door window, the categories with their own clocks, and the purchases that are not covered.
| When it applies | What it means |
|---|---|
| Three business days from the later date | Cancellation is allowed before midnight of the third business day after the later of the day the supplier gives the required notice or the day you finally agree to the transaction, under Ind. Code § 24-5-10-8. Skip the notice and the clock never starts. |
| Only sales you did not solicit | The right reaches a home consumer transaction you did not solicit, resulting from direct contact by a supplier away from its permanent place of business, under § 24-5-10-4. Invite the salesperson and Indiana's statute does not attach. |
| At least 25 dollars | The cash sales price must be at least 25 dollars, under § 24-5-10-8. The notice must be two copies on a separate document in at least ten-point boldface type. |
| Ten-business-day refund | The supplier must return any payment within ten business days after the cancellation notice is delivered. |
| When there is no right | What it means |
|---|---|
| Visits you asked for | A transaction you solicited is outside the statute, so a consumer who invited the salesperson falls back on the federal rule, which does cover invited visits. |
| Mail, phone, and advertising | Contact conducted and consummated entirely by mail or telephone, and advertising to the general public, are excluded, along with certain pre-delivery contacts by regulated suppliers. |
| Securities and insurance | Securities and insurance policies issued by insurers authorized in Indiana are outside the general consumer transaction definition, along with anything under 25 dollars. |
What you can do right now
Concrete, neutral steps to cancel a covered purchase in Indiana. This is consumer information, not legal advice.
- Check whether you invited the seller
Indiana's right applies only to sales you did not ask for. If you invited the salesperson, use the federal FTC rule, which does cover invited visits.
- For roofing after a storm, watch the insurer letter
Under § 24-5-11-10.6, your three days on a home improvement contract do not start until your insurer issues a final coverage determination. Do not assume the clock ran from signing.
- Confirm you got two copies of the notice
The supplier must give two copies of the cancellation notice on a separate document in ten-point boldface type. A missing or buried notice keeps the clock from starting.
- Complain if a valid cancellation is refused
File a complaint with the Indiana Attorney General, Consumer Protection Division.
If a seller refuses a timely, valid cancellation, a state consumer-protection office can take your complaint and enforce the cooling-off rules.
→ Indiana Attorney General · Consumer ProtectionThis is general consumer information, not legal advice. The category, the notice, and the deadline all matter, so confirm your right against the statute and use the complaint route if a valid cancellation is refused.
What Indiana buyers get wrong about cancelling
Indiana's cooling-off clock is built to defeat a seller who skips the paperwork. Under Ind. Code § 24-5-10-8 you can cancel an unsolicited home sale of at least 25 dollars before midnight of the third business day, but the three days run from the later of the agreement or the day the supplier hands you the required notice. A supplier who never gives the two-copy, ten-point notice on a separate document never starts your clock. Indiana's right is also narrower than most in one respect: it applies only to sales you did not solicit. Invite the salesperson yourself and Indiana's statute does not attach, so you fall back on the federal rule, which does cover invited visits. The standout longer window is the storm-chasing-roofer rule. For a home improvement contract signed after June 30, 2017, your three days do not begin until you receive written notice from your insurer of a final coverage determination, under § 24-5-11-10.6. Indiana's official code browser is a JavaScript application, so the text here was read from a content mirror.
Common questions
I called the company and asked them to come out. Do I still get three days in Indiana?
Not under the Indiana statute, which reaches only sales you did not solicit. A consumer who invited the salesperson should use the federal FTC rule, which expressly covers invited visits.
My roofer signed me up right after the hailstorm. When does my window start?
For a home improvement contract entered after June 30, 2017, your three days do not start until the later of signing or the day you receive written notice from your insurer of a final coverage determination, under § 24-5-11-10.6.
The supplier gave me one copy of the notice, not two. Does that matter?
Yes. Section 24-5-10-9 requires two copies on a separate document in ten-point boldface type. A defective notice keeps the three-day clock from starting.
How fast must an Indiana supplier refund my deposit?
Within ten business days after your cancellation notice is delivered, the supplier must return any payment or other consideration you transferred.
Not legal advicePlainStatute provides plain-language summaries of public law for general information only. This is not legal advice. Statutes change; always confirm current requirements with the official source linked above before acting.