Before you sign

Built from what homeowners actually complain about to licensing boards and the BBB. Every item is a question you can ask before a contract exists.

1. What is the deposit, and does it comply with state law?

   Many states cap how much a contractor can collect up front — Florida limits it to 10% of the contract price or the cost of materials, whichever is less (Fla. Stat. §489.126). Ask for the exact deposit amount in writing and check your state's limit before paying.

2. Will the contractor pull the permit?

   Licensed contractors are required to pull building permits in most jurisdictions. If someone says "we don't need a permit," that is a red flag. Unpermitted work can void insurance coverage and create problems when you sell. Get the permit number in the contract.

3. Will you get lien waivers with each payment?

   A lien waiver from the contractor (and subcontractors) confirms they have been paid and cannot place a lien on your property. Ask for partial lien waivers with progress payments and a final lien waiver at completion.

4. Is the contractor insured — liability and workers' comp?

   Ask for a certificate of insurance naming you as additionally insured. Verify it directly with the insurance carrier. If a worker is hurt on your property and the contractor has no workers' comp, you may be liable.

5. What warranty covers the work, and for how long?

   A manufacturer's material warranty is not the same as a workmanship warranty from the contractor. Get both in writing: what is covered, how long, and the process for making a warranty claim. Most workmanship warranties run 1–10 years.

6. How are change orders handled?

   Once work starts, hidden damage (rotted decking, for example) may require extra work. The contract should spell out that no additional work happens without a written, signed change order with a price. Verbal agreements are the source of most payment disputes.

7. What is the cleanup obligation?

   Roofing generates nails, shingle debris, and dumpster loads. The contract should state who is responsible for cleanup, debris removal, and a final magnetic sweep for nails. "Broom clean" should be defined.

8. What is the payment schedule?

   A common schedule is deposit / progress payment at dry-in / final payment at completion and inspection. Never pay in full before the job is done and inspected. Hold back enough to ensure the contractor returns to fix punch-list items. Check the license first →

State rules we've verified

• Florida

Informational only. Not legal, insurance, or construction advice.