Which of the following is considered an unfair or deceptive practice in home improvement sales?

Failing to include warranty information is considered an unfair or deceptive practice in home improvement sales because consumers have the right to understand the terms and protections associated with the products and services they are purchasing. Warranties play a crucial role in providing peace of mind and setting expectations regarding the durability and service of the work performed. Not providing this information can mislead consumers as they might believe they have some form of protection or guarantee when, in fact, they do not. The law aims to protect consumers from potential financial loss or dissatisfaction due to lack of transparency.

In contrast, providing a written estimate is a standard practice that builds trust and clarity between the salesperson and the consumer. Offering multiple financing options is a benefit that can help consumers make informed choices based on their financial situations. Additionally, offering discounts for contract signing is often a tactic to incentivize consumers and does not inherently mislead or deceive them, provided that all terms are clearly communicated.