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 Coral Springs Florida Home Improvement Contract — Self-Employed is a legal document that establishes the terms and conditions for a self-employed contractor to provide home improvement services in the city of Coral Springs, Florida. This contract provides a clear understanding between the contractor and the homeowner, ensuring a smooth and successful project. The contract typically includes various clauses to protect both parties involved. It outlines the scope of work, timelines, payment terms, and any warranties or guarantees offered by the contractor. Additionally, it may include provisions for handling unforeseen circumstances, changes to the original plan, and dispute resolution methods. There are different types of Coral Springs Florida Home Improvement Contracts — Self-Employed that can be tailored to fit specific projects or requirements. Some common variations include: 1. General Home Improvement Contract: This type of contract covers a wide range of home improvement services, such as remodeling, renovations, repairs, or additions. It is suitable for comprehensive projects involving multiple tasks. 2. Roofing Contract: Designed specifically for roof replacement, repair, or installation projects. It includes clauses that address the specific details related to roofing materials, warranty periods, and guarantees. 3. Plumbing, HVAC, or Electrical Contact: These contracts are specific to trades such as plumbing, heating, ventilation, air conditioning (HVAC), or electrical work. They outline the work to be done, permits required, and adherence to local building codes and regulations. 4. Landscape Contract: Tailored for landscaping projects, this contract includes provisions for tasks such as lawn installation, planting, irrigation system installation, landscaping, and ongoing maintenance. 5. Painting Contract: Applicable to painting jobs, this contract covers areas such as surface preparation, paint types, color options, and any additional services like wallpaper removal or special finishes. 6. Flooring Contract: This contract is suitable for projects involving installation or repair of various flooring materials such as hardwood, tile, carpeting, or vinyl. It outlines the specific tasks, materials to be used, and any warranties provided by the contractor. Regardless of the type, each Coral Springs Florida Home Improvement Contract — Self-Employed should clearly state the contractor's licensing information, insurance coverage, and adherence to local laws and regulations. It is advisable for both parties to carefully review and understand the terms before signing to ensure a successful and satisfactory project outcome.A Coral Springs Florida Home Improvement Contract — Self-Employed is a legal document that establishes the terms and conditions for a self-employed contractor to provide home improvement services in the city of Coral Springs, Florida. This contract provides a clear understanding between the contractor and the homeowner, ensuring a smooth and successful project. The contract typically includes various clauses to protect both parties involved. It outlines the scope of work, timelines, payment terms, and any warranties or guarantees offered by the contractor. Additionally, it may include provisions for handling unforeseen circumstances, changes to the original plan, and dispute resolution methods. There are different types of Coral Springs Florida Home Improvement Contracts — Self-Employed that can be tailored to fit specific projects or requirements. Some common variations include: 1. General Home Improvement Contract: This type of contract covers a wide range of home improvement services, such as remodeling, renovations, repairs, or additions. It is suitable for comprehensive projects involving multiple tasks. 2. Roofing Contract: Designed specifically for roof replacement, repair, or installation projects. It includes clauses that address the specific details related to roofing materials, warranty periods, and guarantees. 3. Plumbing, HVAC, or Electrical Contact: These contracts are specific to trades such as plumbing, heating, ventilation, air conditioning (HVAC), or electrical work. They outline the work to be done, permits required, and adherence to local building codes and regulations. 4. Landscape Contract: Tailored for landscaping projects, this contract includes provisions for tasks such as lawn installation, planting, irrigation system installation, landscaping, and ongoing maintenance. 5. Painting Contract: Applicable to painting jobs, this contract covers areas such as surface preparation, paint types, color options, and any additional services like wallpaper removal or special finishes. 6. Flooring Contract: This contract is suitable for projects involving installation or repair of various flooring materials such as hardwood, tile, carpeting, or vinyl. It outlines the specific tasks, materials to be used, and any warranties provided by the contractor. Regardless of the type, each Coral Springs Florida Home Improvement Contract — Self-Employed should clearly state the contractor's licensing information, insurance coverage, and adherence to local laws and regulations. It is advisable for both parties to carefully review and understand the terms before signing to ensure a successful and satisfactory project outcome.
