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 Gainesville Florida Home Improvement Contract — Self-Employed is a legally binding agreement between a self-employed contractor and a homeowner or property owner in Gainesville, Florida. This contract outlines the terms and conditions of a home improvement project, ensuring clarity and protection for both parties involved. The contract typically includes essential details such as the contractor's name, business address, and contact information. It should also specify the homeowner's name, address, and contact information. Additionally, it outlines the project's scope, start and completion dates, and the agreed-upon price for the services provided. Keywords: Gainesville Florida, home improvement contract, self-employed, contractor, homeowner, property owner, agreement, terms and conditions, clarity, protection, project scope, start date, completion date, price. Different types of Gainesville Florida Home Improvement Contracts — Self-Employed may vary based on the specific services provided. Here are a few examples: 1. Renovation Contract: A self-employed contractor in Gainesville may specialize in home renovations, remodeling, or upgrades. This type of contract would outline the specific renovations requested by the homeowner, such as kitchen remodeling, bathroom upgrades, or whole-house renovations. 2. Painting Contract: Some self-employed contractors in Gainesville may focus primarily on residential painting projects. In this case, the contract would detail the areas of the home that require painting, the paint colors chosen, and any additional services provided, such as surface preparation or wallpaper removal. 3. Exterior Improvement Contract: Self-employed contractors in Gainesville may specialize in exterior home improvements, including landscaping, deck construction, or roofing services. This type of contract would specify the required improvements, the materials to be used, and any warranties or guarantees provided. 4. Electrical or Plumbing Contract: Gainesville homeowners often require electrical or plumbing services as part of their home improvement projects. A self-employed contractor specializing in these areas would have a specific contract detailing the electrical or plumbing work to be done, including any necessary permits, materials, and inspections required. Keywords: Gainesville Florida, self-employed contractor, home renovations, remodeling, upgrades, painting projects, residential painting, exterior improvements, landscaping, deck construction, roofing services, electrical services, plumbing services, permits, materials, inspections.A Gainesville Florida Home Improvement Contract — Self-Employed is a legally binding agreement between a self-employed contractor and a homeowner or property owner in Gainesville, Florida. This contract outlines the terms and conditions of a home improvement project, ensuring clarity and protection for both parties involved. The contract typically includes essential details such as the contractor's name, business address, and contact information. It should also specify the homeowner's name, address, and contact information. Additionally, it outlines the project's scope, start and completion dates, and the agreed-upon price for the services provided. Keywords: Gainesville Florida, home improvement contract, self-employed, contractor, homeowner, property owner, agreement, terms and conditions, clarity, protection, project scope, start date, completion date, price. Different types of Gainesville Florida Home Improvement Contracts — Self-Employed may vary based on the specific services provided. Here are a few examples: 1. Renovation Contract: A self-employed contractor in Gainesville may specialize in home renovations, remodeling, or upgrades. This type of contract would outline the specific renovations requested by the homeowner, such as kitchen remodeling, bathroom upgrades, or whole-house renovations. 2. Painting Contract: Some self-employed contractors in Gainesville may focus primarily on residential painting projects. In this case, the contract would detail the areas of the home that require painting, the paint colors chosen, and any additional services provided, such as surface preparation or wallpaper removal. 3. Exterior Improvement Contract: Self-employed contractors in Gainesville may specialize in exterior home improvements, including landscaping, deck construction, or roofing services. This type of contract would specify the required improvements, the materials to be used, and any warranties or guarantees provided. 4. Electrical or Plumbing Contract: Gainesville homeowners often require electrical or plumbing services as part of their home improvement projects. A self-employed contractor specializing in these areas would have a specific contract detailing the electrical or plumbing work to be done, including any necessary permits, materials, and inspections required. Keywords: Gainesville Florida, self-employed contractor, home renovations, remodeling, upgrades, painting projects, residential painting, exterior improvements, landscaping, deck construction, roofing services, electrical services, plumbing services, permits, materials, inspections.
