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.
Miramar Florida Home Improvement Contract — Self-Employed: A Comprehensive Guide Overview: A Miramar Florida Home Improvement Contract — Self-Employed refers to an agreement between a homeowner and a self-employed contractor in the Miramar, Florida area. This contract outlines the specific details and terms of a home improvement project, ensuring a clear understanding between the parties involved. It is crucial to have a well-drafted contract to protect both the homeowner and the contractor. Types of Miramar Florida Home Improvement Contracts — Self-Employed: 1. General Home Improvement Contract: This type of contract covers a wide range of home improvement projects, including remodeling, renovations, repairs, and additions. It provides detailed information about the scope of work, materials, project timeline, pricing, payment terms, and any warranties or guarantees provided by the contractor. 2. Kitchen/Bathroom Remodeling Contract: In Miramar, Florida, kitchen and bathroom remodeling projects are prevalent. This specialized contract focuses on specific areas of the home and includes detailed information about cabinetry, plumbing fixtures, electrical work, tiling, and other aspects related to kitchen or bathroom renovations. 3. Roofing Contract: Roof repairs, replacements, and installations are important projects that require a specific contract. It outlines the type of roofing materials to be used, the scope of work, warranties, and any permit requirements or insurance obligations. 4. Patio/Deck Construction Contract: For homeowners in Miramar looking to enhance their outdoor living space, a patio or deck construction contract is necessary. It provides information about the design, materials, required permits, project timeline, and any additional features such as pergolas, fire pits, or outdoor kitchens. Key Elements of a Miramar Florida Home Improvement Contract — Self-Employed: 1. Parties Involved: The contract should clearly specify the names and addresses of both the homeowner (client) and the self-employed contractor. 2. Scope of Work: This section outlines in detail the specific tasks and services that the contractor will provide. It may include descriptions of demolition, installations, repairs, equipment, or any other activities related to the project. 3. Project Timeline: A well-defined timeline is crucial to ensure a smooth progression of the project. It includes start and completion dates, as well as any specific milestones or deadlines agreed upon by both parties. 4. Pricing and Payments: The contract should clearly state the agreed-upon pricing structure, whether it is a fixed amount or an estimate with potential variations. It should also outline the payment terms, including deposit requirements, progress payments, and the final payment upon project completion. 5. Change Orders: In case modifications or additional work is required during the project, the contract should include a provision for change orders. This helps avoid disputes and ensures that any changes to the original agreement are documented and agreed upon by both parties. 6. Permits and Inspections: Home improvement projects in Miramar may require building permits and inspections. The contract should outline who will handle the permit application process and specify any cost implications or responsibilities related to permits and inspections. 7. Warranties and Guarantees: Whether it is a general warranty or specific warranties on materials, appliances, or workmanship, the contract should clearly state the period and extent of any warranties or guarantees provided by the contractor. Conclusion: A Miramar Florida Home Improvement Contract — Self-Employed serves as a legally binding agreement between a homeowner and a self-employed contractor. By including all necessary details, such as the scope of work, pricing, timeline, permits, and warranties, this contract ensures a clear understanding and protects the interests of both parties involved. It is crucial for homeowners in Miramar to have a well-drafted contract in place before undertaking any home improvement project.
