15 essential steps every Florida homeowner should complete before hiring a contractor. Check each item off as you go, then print or save as PDF when done.
FloridaContractorCheck.com: Free contractor verification tool
1.Verify the contractor's license on FloridaContractorCheck.com
Search by name or license number to confirm the license exists in the state database.
2.Confirm the license is Active (not Expired, Suspended, or Revoked)
Only a "Current, Active" status means the contractor is legally authorized to work.
3.Check that the license type matches your project (CGC for general, CCC for roofing, CFC for plumbing, CAC for HVAC, etc.)
A roofing license (CCC) does not cover electrical or plumbing work. Verify the type is correct.
4.Verify liability insurance: ask for a Certificate of Insurance
Minimum $300,000 per occurrence. Call the insurer directly to confirm the policy is active.
5.Verify workers' compensation insurance (or a valid exemption on file)
Without workers' comp, you may be liable for injuries on your property. Verify exemptions at wc.fldfs.com.
6.Get at least 3 written estimates
Written quotes let you compare scope, materials, and pricing side-by-side.
7.Check references: call at least 2 past clients
Ask about timeliness, budget adherence, communication, and whether they'd hire again.
8.Look up reviews on FloridaContractorCheck.com and other platforms
Look for patterns in positive and negative reviews, not just the star rating.
9.Search for complaints or disciplinary actions at DBPR (myfloridalicense.com)
A licensed contractor with multiple disciplinary actions is a warning sign even if currently active.
10.Verify the contractor will pull all required permits
In Florida, the contractor is responsible for pulling permits. Never accept "we don't need permits."
11.Get a detailed written contract before any work starts
Must include scope of work, materials, start/end dates, payment schedule, warranty, and license number.
12.Never pay more than 10%–30% upfront (Florida law limits deposits)
Florida Statute 489.126 regulates deposits. Never pay 50%+ upfront or pay in full before completion.
13.Ensure the contract includes start date, completion date, and payment schedule
Milestone-based payments tied to project progress protect you better than time-based ones.
14.Verify the contractor's physical business address
A verifiable address means you have a way to find them if something goes wrong.
15.Take photos of your home before work begins
Before-and-after documentation protects you in disputes about pre-existing conditions or new damage.
Start with Step 1
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