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.
The Orange Florida Home Improvement Contract — Self-Employed is a legal document that serves as an agreement between a self-employed contractor and a homeowner in Orange, Florida for home improvement services or renovations. This contract outlines the terms, conditions, and specifications of the project, protecting both parties from any potential disputes or misunderstandings. Key terms and clauses often included in an Orange Florida Home Improvement Contract — Self-Employed: 1. Parties Involved: Names and addresses of both the contractor (self-employed) and the homeowner (client). 2. Scope of Work: A detailed description of the services to be performed, including specific tasks, materials, and any applicable permits. 3. Project Schedule: Start date, estimated completion date, and any milestones or deadlines for different stages of the project. 4. Payment Terms: Specifies the total contract price, payment schedule (including down payment and subsequent installments), and acceptable payment methods. 5. Changes and Extras: Procedure and approval process for any changes or additional work requested by the client, including potential impact on project timeline and cost. 6. Permits and Inspections: Clarifies who is responsible for obtaining necessary permits, complying with local regulations, and arranging any required inspections. 7. Warranties and Guarantees: Specifies any warranties provided by the contractor for their work or materials used, along with any conditions or limitations. 8. Indemnification and Liability: Outlines the liabilities and responsibilities of both parties for any damages, injuries, or losses that may occur during the project. 9. Termination: Conditions under which either party can terminate the contract, along with any applicable notice period. 10. Dispute Resolution: Outlines a process for resolving any disputes or claims that may arise during or after the project, including potential mediation or arbitration. Types of Orange Florida Home Improvement Contracts — Self-Employed: 1. Basic Home Improvement Contract: A standard contract for general home improvement projects, such as painting, flooring, or minor repairs. 2. Major Renovation Contract: A more comprehensive contract for extensive renovations or remodeling projects, involving multiple trades and significant changes to the property. 3. Kitchen/Bathroom Remodeling Contract: A specialized contract for kitchen or bathroom remodeling projects, which may involve plumbing, electrical work, and custom cabinetry. 4. Roofing Contract: Specifically tailored for roofing projects, with detailed provisions for materials used, warranty information, and compliance with building codes. 5. Exterior Improvements Contract: For projects focusing on exterior improvements, such as landscaping, deck installation, or siding replacement. Note: It is essential to consult with a licensed attorney to ensure the Orange Florida Home Improvement Contract — Self-Employed adheres to all applicable laws, regulations, and specific circumstances of the project.The Orange Florida Home Improvement Contract — Self-Employed is a legal document that serves as an agreement between a self-employed contractor and a homeowner in Orange, Florida for home improvement services or renovations. This contract outlines the terms, conditions, and specifications of the project, protecting both parties from any potential disputes or misunderstandings. Key terms and clauses often included in an Orange Florida Home Improvement Contract — Self-Employed: 1. Parties Involved: Names and addresses of both the contractor (self-employed) and the homeowner (client). 2. Scope of Work: A detailed description of the services to be performed, including specific tasks, materials, and any applicable permits. 3. Project Schedule: Start date, estimated completion date, and any milestones or deadlines for different stages of the project. 4. Payment Terms: Specifies the total contract price, payment schedule (including down payment and subsequent installments), and acceptable payment methods. 5. Changes and Extras: Procedure and approval process for any changes or additional work requested by the client, including potential impact on project timeline and cost. 6. Permits and Inspections: Clarifies who is responsible for obtaining necessary permits, complying with local regulations, and arranging any required inspections. 7. Warranties and Guarantees: Specifies any warranties provided by the contractor for their work or materials used, along with any conditions or limitations. 8. Indemnification and Liability: Outlines the liabilities and responsibilities of both parties for any damages, injuries, or losses that may occur during the project. 9. Termination: Conditions under which either party can terminate the contract, along with any applicable notice period. 10. Dispute Resolution: Outlines a process for resolving any disputes or claims that may arise during or after the project, including potential mediation or arbitration. Types of Orange Florida Home Improvement Contracts — Self-Employed: 1. Basic Home Improvement Contract: A standard contract for general home improvement projects, such as painting, flooring, or minor repairs. 2. Major Renovation Contract: A more comprehensive contract for extensive renovations or remodeling projects, involving multiple trades and significant changes to the property. 3. Kitchen/Bathroom Remodeling Contract: A specialized contract for kitchen or bathroom remodeling projects, which may involve plumbing, electrical work, and custom cabinetry. 4. Roofing Contract: Specifically tailored for roofing projects, with detailed provisions for materials used, warranty information, and compliance with building codes. 5. Exterior Improvements Contract: For projects focusing on exterior improvements, such as landscaping, deck installation, or siding replacement. Note: It is essential to consult with a licensed attorney to ensure the Orange Florida Home Improvement Contract — Self-Employed adheres to all applicable laws, regulations, and specific circumstances of the project.
