"Homeowners Protection Act of 2004"; providing a property tax +reduction for structures contaminated by mold; defining certain terms; requiring +contractors upon request to provide homeowners with written estimates before +beginning remodeling, repair or restoration, authorizing an additional charge +for the estimates; specifying certain contractor duties; limiting +overcharges, exception; providing for oral communication of required writings; +authorizing additional contractor work under certain conditions; prohibiting +contractors from charging for unauthorized work; specifying certain contractor +invoice, records retention and estimate notice requirements; providing +remedies and penalties for violation of the requirements; exempting warranty work +performed free of charge from the regulations; stating the priority of the +regulations over local ordinances; authorizing the commissioner of commerce to +issue certificates to practice as a certified home inspector, specifying +certain qualification requirements; program to be voluntary, providing for applicability; further restricting authorized waiver or modification +of statutory home warranties; allowing the recovery of attorney fees for+ breach; residential building and construction contract arbitration provisions+ to preclude legal action; requiring license numbers in subcontractor +lien notices; designating the department of commerce as the state agency with +responsibility for licensing and regulating residential contractors (ra)