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 Fort Lauderdale Florida Home Improvement Contract — Self-Employed is a legally binding contract that outlines the terms and conditions between a self-employed contractor and a homeowner or property owner for remodeling, renovating, or improving their property in Fort Lauderdale, Florida. This type of contract is crucial to ensure clarity, protection, and professionalism in the home improvement process. The content of a Fort Lauderdale Florida Home Improvement Contract — Self-Employed typically includes: 1. Contact Information: The contract should clearly state the full names, addresses, and contact details of both the self-employed contractor and the homeowner or property owner. 2. Project Description: A detailed description of the home improvement project should be included. This may involve specifying the scope of work, materials to be used, and any specific requirements or preferences of the homeowner. 3. Timeline and Schedule: The contract should specify the start and completion dates of the project. It may also include milestones or deadlines for different phases of the project, helping both parties manage expectations and meet deadlines. 4. Payment Terms: Clearly state the total contract amount or the specific amounts to be paid for each phase of the project. The contract should specify the payment method, including any required deposits and the schedule of payments. 5. Permits and Regulations: If the project requires any permits or complies with specific regulations, the contract should outline the responsibilities of both parties to ensure compliance. 6. Change Orders: In the case of any changes or modifications to the project scope or details, the contract should outline the procedure for initiating and approving change orders. This helps in managing additional expenses or adjustments during the course of the project. 7. Warranties and Guarantees: If the contractor offers any warranties or guarantees for their work or materials used, the contract should clearly state the duration and conditions of these warranties. 8. Cleaning and Disposal: The responsibility of cleaning the project area and disposing of debris or waste materials should be clearly outlined in the contract. This ensures that both the contractor and homeowner are aware of their responsibilities to maintain a clean and safe environment. Different types of Fort Lauderdale Florida Home Improvement Contract — Self-Employed can include contracts for various home improvement projects such as: 1. Renovations: Contracts can be specifically tailored for extensive renovations, which involve significant changes to the structure, layout, or design of a property. 2. Kitchen or Bathroom Remodeling: Contracts can focus on specific areas of the house, such as kitchen or bathroom remodeling. These contracts may include details about plumbing, fixtures, tiling, and cabinetry. 3. Flooring or Roofing Projects: Contracts can be specialized for flooring or roofing projects, specifying the materials to be used, installation methods, and warranties. 4. Painting and Interior Design: Contracts can be geared towards painting, wallpapering, or other interior design projects. These contracts may specify color choices, special finishes, or alternative materials. In conclusion, a Fort Lauderdale Florida Home Improvement Contract — Self-Employed is a comprehensive agreement that establishes the terms and conditions between a self-employed contractor and a homeowner or property owner for various home improvement projects. It ensures clarity, protection, and professionalism throughout the process, avoiding misunderstandings and disputes. Whether it's a renovation, kitchen remodel, flooring project, or any other type of improvement, using a detailed contract helps create a transparent and successful partnership between both parties.A Fort Lauderdale Florida Home Improvement Contract — Self-Employed is a legally binding contract that outlines the terms and conditions between a self-employed contractor and a homeowner or property owner for remodeling, renovating, or improving their property in Fort Lauderdale, Florida. This type of contract is crucial to ensure clarity, protection, and professionalism in the home improvement process. The content of a Fort Lauderdale Florida Home Improvement Contract — Self-Employed typically includes: 1. Contact Information: The contract should clearly state the full names, addresses, and contact details of both the self-employed contractor and the homeowner or property owner. 2. Project Description: A detailed description of the home improvement project should be included. This may involve specifying the scope of work, materials to be used, and any specific requirements or preferences of the homeowner. 3. Timeline and Schedule: The contract should specify the start and completion dates of the project. It may also include milestones or deadlines for different phases of the project, helping both parties manage expectations and meet deadlines. 4. Payment Terms: Clearly state the total contract amount or the specific amounts to be paid for each phase of the project. The contract should specify the payment method, including any required deposits and the schedule of payments. 5. Permits and Regulations: If the project requires any permits or complies with specific regulations, the contract should outline the responsibilities of both parties to ensure compliance. 6. Change Orders: In the case of any changes or modifications to the project scope or details, the contract should outline the procedure for initiating and approving change orders. This helps in managing additional expenses or adjustments during the course of the project. 7. Warranties and Guarantees: If the contractor offers any warranties or guarantees for their work or materials used, the contract should clearly state the duration and conditions of these warranties. 8. Cleaning and Disposal: The responsibility of cleaning the project area and disposing of debris or waste materials should be clearly outlined in the contract. This ensures that both the contractor and homeowner are aware of their responsibilities to maintain a clean and safe environment. Different types of Fort Lauderdale Florida Home Improvement Contract — Self-Employed can include contracts for various home improvement projects such as: 1. Renovations: Contracts can be specifically tailored for extensive renovations, which involve significant changes to the structure, layout, or design of a property. 2. Kitchen or Bathroom Remodeling: Contracts can focus on specific areas of the house, such as kitchen or bathroom remodeling. These contracts may include details about plumbing, fixtures, tiling, and cabinetry. 3. Flooring or Roofing Projects: Contracts can be specialized for flooring or roofing projects, specifying the materials to be used, installation methods, and warranties. 4. Painting and Interior Design: Contracts can be geared towards painting, wallpapering, or other interior design projects. These contracts may specify color choices, special finishes, or alternative materials. In conclusion, a Fort Lauderdale Florida Home Improvement Contract — Self-Employed is a comprehensive agreement that establishes the terms and conditions between a self-employed contractor and a homeowner or property owner for various home improvement projects. It ensures clarity, protection, and professionalism throughout the process, avoiding misunderstandings and disputes. Whether it's a renovation, kitchen remodel, flooring project, or any other type of improvement, using a detailed contract helps create a transparent and successful partnership between both parties.
