Ten tips for hiring a licensed contractor

Published on May 30, 2024

Hiring an unlicensed contractor can have numerous negative consequences. These workers may lack the necessary qualifications, have a criminal background, and not comply with building codes. Additionally, there is no coverage under the homeowner's policy if something goes wrong.

To avoid these risks, here are ten tips for hiring a licensed professional:

1. Always get a minimum of three proposals for any work. If the contractor cannot provide a proposal, they may not deliver the work on time.
2. Make sure to insist on a written contract that outlines the timelines for each phase of work.
3. Ask to see the contractor's Florida State registered, or Florida State certified contractor's license. Also, conduct a Google search to read reviews or inquire if the contractor has complaints against them at www.MyFloridaLicense.com.
4. Ask the contractor to provide a copy of their current general liability insurance certificate and workers’ compensation insurance.
5. Ensure that you have a written contract and wait to sign if there are any blank areas until you fully understand the terms.
6. Avoid paying the contractor cash; only pay a small deposit before the job starts. A good contractor does not need a deposit when the contract is signed.
7. Wait to make the final payment until the permit is closed out and you are satisfied with the work.
8. To ensure that the contractor has paid for all the subcontractors and materials used on the job, ask to obtain a lien release from them after the work is completed.
9. Confirm if a permit is required and ensure that the contractor is applying for it.
10. Understand your insurance policy and seek clarification from your insurer, if necessary. Additionally, you should familiarize yourself with Florida State Statue 489.147, which outlines prohibited property insurance practices.

*Specifically for roofing repairs: It is important to note that an insurance company cannot refuse to issue or renew a homeowners insurance policy solely based on the age of the roof, provided that the roof is less than 15 years old. However, if the roof is 15 years old or older, the insurance company must allow the homeowner to have a roof inspection performed by an authorized inspector before requiring the roof to be replaced in order to issue or renew the policy. The cost of the inspection is the homeowner's responsibility. If the inspection reveals that the roof has five or more years of useful life remaining, then the insurance company may not refuse to issue or renew the policy solely based on the roof's age.

"Taking these steps can help residents protect themselves and their investment," said Joel Dramis. "We encourage residents to contact us before hiring a contractor to ensure that they are hiring a licensed professional.”

There are two ways to verify the license's validity of a contractor's license. Residents can contact the Contractor Licensing Office contractorlicensing@cityofpsl.com or visit www.myfloridalicense.com.

Residents should not feel obligated to make a purchase, even if the salesperson is very persuasive with their “limited time offers”. Federal and Florida State Law provide consumers with a three-day-right-to-cancel, better known as a “cooling off period” for door-to-door sales. To learn more visit www.CityofPSL.com/CrimePrevention.