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 Jacksonville Florida Home Improvement Contract — Self-Employed is a legally binding agreement between a homeowner and a self-employed contractor based in Jacksonville, Florida. The contract outlines the terms and conditions for a home improvement project that the contractor will undertake. Keywords: Jacksonville Florida, home improvement, contract, self-employed, homeowner, contractor, project The purpose of a Jacksonville Florida Home Improvement Contract — Self-Employed is to establish clear expectations for both parties involved in a home improvement project. It ensures that all parties understand and agree to their respective responsibilities, rights, and obligations throughout the duration of the project. There may be different types of Jacksonville Florida Home Improvement Contracts, including: 1. General Home Improvement Contract: This is a standard contract that covers a wide range of home improvement projects, such as renovations, remodeling, additions, or repairs. 2. Specialty Contract: In certain cases, a specialized contract may be required for specific types of home improvement projects, such as plumbing, electrical, or roofing work. These contracts may include additional terms and conditions specific to the nature of the project. Key components of a Jacksonville Florida Home Improvement Contract — Self-Employed typically include: 1. Identification of Parties: The contract should clearly identify the homeowner and the self-employed contractor involved in the project. 2. Scope of Work: A detailed description of the work to be performed should be included, specifying the materials, labor, and services required for the project. This section may also outline any permits or approvals needed for the project. 3. Project Timeline: The contract should establish the start and end dates of the project, as well as any milestone dates for important stages of the work. 4. Payment Terms: The contract should outline the total cost of the project, the payment schedule, and any additional charges or fees. It should also specify the acceptable methods of payment. 5. Warranties and Guarantees: This section should detail any warranties or guarantees provided by the contractor for the materials or workmanship. It should also specify the procedures for addressing any issues or defects that may arise after the project's completion. 6. Change Orders: This section should explain the process for making changes to the original contract, including any additional costs or time extensions that may be involved. 7. Termination or Cancellation: The contract should include provisions for terminating or canceling the agreement, including any penalties or fees that may apply. It is crucial for homeowners and self-employed contractors to carefully review and understand the terms and conditions of a Jacksonville Florida Home Improvement Contract. Seeking legal advice before signing the contract is recommended to ensure that both parties are protected and that the contract complies with all applicable laws and regulations.A Jacksonville Florida Home Improvement Contract — Self-Employed is a legally binding agreement between a homeowner and a self-employed contractor based in Jacksonville, Florida. The contract outlines the terms and conditions for a home improvement project that the contractor will undertake. Keywords: Jacksonville Florida, home improvement, contract, self-employed, homeowner, contractor, project The purpose of a Jacksonville Florida Home Improvement Contract — Self-Employed is to establish clear expectations for both parties involved in a home improvement project. It ensures that all parties understand and agree to their respective responsibilities, rights, and obligations throughout the duration of the project. There may be different types of Jacksonville Florida Home Improvement Contracts, including: 1. General Home Improvement Contract: This is a standard contract that covers a wide range of home improvement projects, such as renovations, remodeling, additions, or repairs. 2. Specialty Contract: In certain cases, a specialized contract may be required for specific types of home improvement projects, such as plumbing, electrical, or roofing work. These contracts may include additional terms and conditions specific to the nature of the project. Key components of a Jacksonville Florida Home Improvement Contract — Self-Employed typically include: 1. Identification of Parties: The contract should clearly identify the homeowner and the self-employed contractor involved in the project. 2. Scope of Work: A detailed description of the work to be performed should be included, specifying the materials, labor, and services required for the project. This section may also outline any permits or approvals needed for the project. 3. Project Timeline: The contract should establish the start and end dates of the project, as well as any milestone dates for important stages of the work. 4. Payment Terms: The contract should outline the total cost of the project, the payment schedule, and any additional charges or fees. It should also specify the acceptable methods of payment. 5. Warranties and Guarantees: This section should detail any warranties or guarantees provided by the contractor for the materials or workmanship. It should also specify the procedures for addressing any issues or defects that may arise after the project's completion. 6. Change Orders: This section should explain the process for making changes to the original contract, including any additional costs or time extensions that may be involved. 7. Termination or Cancellation: The contract should include provisions for terminating or canceling the agreement, including any penalties or fees that may apply. It is crucial for homeowners and self-employed contractors to carefully review and understand the terms and conditions of a Jacksonville Florida Home Improvement Contract. Seeking legal advice before signing the contract is recommended to ensure that both parties are protected and that the contract complies with all applicable laws and regulations.
