Section 520.73 of the Florida Statutes
Home improvement contract; form and content; separate disclosures.
(1) Every home improvement contract shall be evidenced by a written agreement and shall be signed by the parties. The home improvement contract shall be in the form approved by the office and shall contain:
(a) The name, address, and license number of the home improvement finance seller;
(b) The names of the home improvement finance seller's employees who solicited or negotiated the home improvement contract;
(c) The approximate dates when the work will begin and will be completed; and
(d) A description of the work to be done and the materials to be used.
(2) The home improvement contract shall also contain:
(a) The "amount financed," using that term, and a brief description such as "the amount of credit provided to you or on your behalf." The amount financed is calculated by:
1. Determining the cash price, and subtracting any down payment;
2. Adding any other amounts that are financed by the creditor and that are not part of the finance charge; and
3. Subtracting any prepaid finance charge;
(b) The "finance charge," using that term, and a brief description such as "the dollar amount the credit will cost you";
(c) The "total of payments," using that term, and a descriptive explanation such as "the amount you will have paid when you have made all scheduled payments";
(d) In a credit sale, the "total sale price," using that term, and a descriptive explanation, including the amount of any down payment, such as "the total price of your purchase on credit, including your down payment of $_____." The total sale price is the sum of the cash price, the items described in subparagraph (a)2., and the finance charge disclosed under paragraph (b);
(e) The amount of any money provided for debt consolidation;
(f) The interest charge for the amount advanced for debt consolidation;
(g) The total amount due under the home improvement contract, which shall be stated as a sum in dollars, less any down payment;
(h) The number of monthly payments and the amount of each payment; and
(i) The description of any collateral security taken or to be taken for the owner's obligation under the home improvement contract.
Except for the requirements of subsection (1) and the provisions of subsection (3) which provide for a separate written itemization of the amount financed, a contract which complies with the federal Truth in Lending Act, 15 U.S.C. ss. 1601 et seq., or any accompanying regulations shall be deemed to comply with the provisions of this subsection and subsection (3). However, in any proceeding to enforce the provisions of this section, the burden of alleging and proving compliance with the federal Truth in Lending Act shall be on the party claiming compliance.
A Cape Coral Florida Home Improvement Contract — Self-Employed is a legal document that establishes the terms, conditions, and expectations of a home improvement project between a self-employed contractor and a homeowner in the Cape Coral area of Florida. This contract outlines the scope of work, payment details, and timelines for the project, ensuring clarity and protection for both parties involved. Some relevant keywords associated with a Cape Coral Florida Home Improvement Contract — Self-Employed include: 1. Cape Coral, Florida: This contract is specific to the geographical location of Cape Coral, Florida, showcasing its significance in home improvements within this area. 2. Home Improvement: The contract specifically pertains to projects that involve improving or renovating residential properties. This can include various tasks like remodeling, additions, repairs, or renovations. 3. Self-Employed Contractor: This term refers to an individual who operates their own business and offers home improvement services independently. A self-employed contractor typically has expertise in a specific trade, such as carpentry, plumbing, electrical work, or general contracting. 4. Terms and Conditions: This section of the contract outlines the rules and expectations that both the contractor and the homeowner must adhere to. It covers aspects such as project deliverables, project start and end dates, working hours, permits, inspections, and any warranties or guarantees provided. 5. Scope of Work: This section specifies the exact work to be performed during the project. It may include detailed descriptions of the tasks, materials to be used, and any additional services like cleanup or disposal of debris. The scope of work helps prevents misunderstandings and ensures that both parties have a clear understanding of the project's requirements. 6. Payment Details: This part of the contract explains the payment terms and schedule. It may outline the total project cost, payment milestones, acceptable payment methods, and any penalties for late payments. These details help establish trust and transparency regarding the financial aspects of the project. 7. Timeline: The contract should include a schedule that outlines the estimated start and completion dates of the project. It may also include specific milestones or deadlines for completing certain phases of the work. A clear timeline ensures that both parties have a shared understanding of the project's timeline and allows for better project management. Different types of Cape Coral Florida Home Improvement Contract — Self-Employed may include specialized contracts for specific trades or services within the home improvement industry, such as: 1. Roofing Contract: This contract focuses on roof repair or installation projects and includes specific clauses related to the roofing materials, warranties, and permits required. 2. Bathroom Remodeling Contract: This contract is tailored for bathroom renovation projects, including details about fixtures, tiling, plumbing, and any waterproofing measures. 3. Kitchen Renovation Contract: This type of contract is specific to kitchen remodeling projects and may include information about cabinetry, appliances, electrical work, and plumbing. 4. Deck Construction Contract: This contract concentrates on building or renovating outdoor decks or patios, addressing aspects such as materials, design, safety measures, and any necessary permits. In conclusion, a Cape Coral Florida Home Improvement Contract — Self-Employed is a comprehensive agreement that ensures a clear understanding between a self-employed contractor and a homeowner regarding the terms, conditions, and expectations for a home improvement project. It encompasses various aspects like scope of work, payment details, and timelines while accommodating different types of contracts specific to the nature of the project.A Cape Coral Florida Home Improvement Contract — Self-Employed is a legal document that establishes the terms, conditions, and expectations of a home improvement project between a self-employed contractor and a homeowner in the Cape Coral area of Florida. This contract outlines the scope of work, payment details, and timelines for the project, ensuring clarity and protection for both parties involved. Some relevant keywords associated with a Cape Coral Florida Home Improvement Contract — Self-Employed include: 1. Cape Coral, Florida: This contract is specific to the geographical location of Cape Coral, Florida, showcasing its significance in home improvements within this area. 2. Home Improvement: The contract specifically pertains to projects that involve improving or renovating residential properties. This can include various tasks like remodeling, additions, repairs, or renovations. 3. Self-Employed Contractor: This term refers to an individual who operates their own business and offers home improvement services independently. A self-employed contractor typically has expertise in a specific trade, such as carpentry, plumbing, electrical work, or general contracting. 4. Terms and Conditions: This section of the contract outlines the rules and expectations that both the contractor and the homeowner must adhere to. It covers aspects such as project deliverables, project start and end dates, working hours, permits, inspections, and any warranties or guarantees provided. 5. Scope of Work: This section specifies the exact work to be performed during the project. It may include detailed descriptions of the tasks, materials to be used, and any additional services like cleanup or disposal of debris. The scope of work helps prevents misunderstandings and ensures that both parties have a clear understanding of the project's requirements. 6. Payment Details: This part of the contract explains the payment terms and schedule. It may outline the total project cost, payment milestones, acceptable payment methods, and any penalties for late payments. These details help establish trust and transparency regarding the financial aspects of the project. 7. Timeline: The contract should include a schedule that outlines the estimated start and completion dates of the project. It may also include specific milestones or deadlines for completing certain phases of the work. A clear timeline ensures that both parties have a shared understanding of the project's timeline and allows for better project management. Different types of Cape Coral Florida Home Improvement Contract — Self-Employed may include specialized contracts for specific trades or services within the home improvement industry, such as: 1. Roofing Contract: This contract focuses on roof repair or installation projects and includes specific clauses related to the roofing materials, warranties, and permits required. 2. Bathroom Remodeling Contract: This contract is tailored for bathroom renovation projects, including details about fixtures, tiling, plumbing, and any waterproofing measures. 3. Kitchen Renovation Contract: This type of contract is specific to kitchen remodeling projects and may include information about cabinetry, appliances, electrical work, and plumbing. 4. Deck Construction Contract: This contract concentrates on building or renovating outdoor decks or patios, addressing aspects such as materials, design, safety measures, and any necessary permits. In conclusion, a Cape Coral Florida Home Improvement Contract — Self-Employed is a comprehensive agreement that ensures a clear understanding between a self-employed contractor and a homeowner regarding the terms, conditions, and expectations for a home improvement project. It encompasses various aspects like scope of work, payment details, and timelines while accommodating different types of contracts specific to the nature of the project.
