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 West Palm Beach Florida home improvement contract for self-employed individuals encompasses various aspects of contracting work related to home renovations, repairs, and remodeling projects. This contract serves as a legally binding agreement between the contractor, who is self-employed, and the homeowner or client. It outlines the terms and conditions of the project, ensuring that both parties are protected and have a clear understanding of their responsibilities. The West Palm Beach Florida Home Improvement Contract — Self-Employed is designed to be comprehensive and includes specific details regarding the scope of work, project timeline, materials to be used, payment terms, and any applicable permits or licenses required. This contract ensures that the project is carried out according to the desired specifications and industry standards. It offers homeowners peace of mind, knowing that their project is in the hands of a skilled professional who is committed to delivering quality results. Different types of West Palm Beach Florida Home Improvement Contract — Self-Employed may vary based on the nature of the project or the specific services offered. Some common variations may include: 1. Renovation Contract: This type of contract is used when a homeowner wishes to update or upgrade certain areas of their home. It may involve remodeling of kitchens, bathrooms, or adding new rooms. The contract will outline the scope of work, including demolitions, installations, and any necessary plumbing or electrical work. 2. Repair Contract: This type of contract is used when homeowners need specific repairs done to their property. It may involve fixing leaks, repairing damaged walls, or replacing faulty electrical wiring. The contract will define the repair requirements, materials to be used, and the timeline for completion. 3. Landscaping Contract: This type of contract is used for outdoor improvement projects, such as landscaping or landscaping. It may include services like planting trees, installing irrigation systems, or building outdoor structures. The contract will detail the design, materials, and maintenance requirements. 4. Roofing Contract: This type of contract is specific to roof repair, replacement, or installation projects. It includes details about the roofing materials, warranties, permits, and a timeline for completion. In summary, a West Palm Beach Florida Home Improvement Contract — Self-Employed is a crucial document for self-employed contractors in the region. It outlines the terms and conditions of the project, ensuring a smooth and successful collaboration between homeowners and contractors. Whether it be a renovation, repair, landscaping, or roofing project, having a well-drafted contract tailored to the specific project ensures that both parties are protected and can confidently proceed with their home improvement endeavors.A West Palm Beach Florida home improvement contract for self-employed individuals encompasses various aspects of contracting work related to home renovations, repairs, and remodeling projects. This contract serves as a legally binding agreement between the contractor, who is self-employed, and the homeowner or client. It outlines the terms and conditions of the project, ensuring that both parties are protected and have a clear understanding of their responsibilities. The West Palm Beach Florida Home Improvement Contract — Self-Employed is designed to be comprehensive and includes specific details regarding the scope of work, project timeline, materials to be used, payment terms, and any applicable permits or licenses required. This contract ensures that the project is carried out according to the desired specifications and industry standards. It offers homeowners peace of mind, knowing that their project is in the hands of a skilled professional who is committed to delivering quality results. Different types of West Palm Beach Florida Home Improvement Contract — Self-Employed may vary based on the nature of the project or the specific services offered. Some common variations may include: 1. Renovation Contract: This type of contract is used when a homeowner wishes to update or upgrade certain areas of their home. It may involve remodeling of kitchens, bathrooms, or adding new rooms. The contract will outline the scope of work, including demolitions, installations, and any necessary plumbing or electrical work. 2. Repair Contract: This type of contract is used when homeowners need specific repairs done to their property. It may involve fixing leaks, repairing damaged walls, or replacing faulty electrical wiring. The contract will define the repair requirements, materials to be used, and the timeline for completion. 3. Landscaping Contract: This type of contract is used for outdoor improvement projects, such as landscaping or landscaping. It may include services like planting trees, installing irrigation systems, or building outdoor structures. The contract will detail the design, materials, and maintenance requirements. 4. Roofing Contract: This type of contract is specific to roof repair, replacement, or installation projects. It includes details about the roofing materials, warranties, permits, and a timeline for completion. In summary, a West Palm Beach Florida Home Improvement Contract — Self-Employed is a crucial document for self-employed contractors in the region. It outlines the terms and conditions of the project, ensuring a smooth and successful collaboration between homeowners and contractors. Whether it be a renovation, repair, landscaping, or roofing project, having a well-drafted contract tailored to the specific project ensures that both parties are protected and can confidently proceed with their home improvement endeavors.
