I saw this and had a question. Have any of you been burned by a D-I-Y er who used your proposal as his material list and you lost the job? This has happened to me several times. I work in a combined city (has to be inspected) and rural setting ( no inspection). Seems to happen more often on the rural side.
I've heard that some people (not big jobs) will work up the numbers and only give a verbal quote unless the customer will sign a contract or they are compensated in some way for providing a written one. I've seen a number of times where the only purpose of the estimate was to satisfy an Insurance claim. They have no intention of hiring anybody, or certainly not us.