Verify the exact Florida license
Ask for the contractor’s exact registration or certification number and the entity name that will sign your contract. Search the Florida DBPR record for profession, status, qualifying agent, and disciplinary context. Similar company names are not interchangeable.
Florida law requires contractor license numbers in offers, bids, contracts, and advertisements regardless of medium. If the number is missing, ask why before proceeding.
Verify a Florida license through DBPRRequest current insurance documentation
Ask for general-liability documentation and workers’ compensation coverage or a valid exemption as applicable. Confirm that the insured name aligns with the contracting entity and that dates cover the work period. Your property insurer or advisor can explain any project-specific requirements.
A certificate is a point-in-time document, not a substitute for understanding contract responsibility, subcontractor coverage, or current status.
Review Florida workers’ compensation resourcesCompare the written scope line by line
The useful proposal is not necessarily the longest, but it should make responsibility visible.
- Included and excluded rooms, surfaces, systems, repair boundaries, and temporary work
- Exact products or allowances, quantities, labor assumptions, delivery, tax, and substitutions
- Plans, engineering, permits, inspections, association review, and product documentation
- Protection, dust control, access, work hours, parking, pets, security, cleanup, and debris
- Schedule assumptions, long-lead items, decision dates, delay terms, and occupancy
- Payment milestones, change-order process, warranty, closeout, and dispute terms
Ask process questions that reveal field behavior
A contractor should be able to explain how decisions and problems move through the project.
- Who is the day-to-day contact, and how often are updates provided?
- How are concealed conditions documented and priced before work changes?
- Who confirms dimensions and product interfaces before ordering?
- How are subcontractors selected, scheduled, supervised, and protected from incomplete information?
- What must be inspected before insulation, drywall, tile, cabinetry, or paint hides it?
- What records and approvals are delivered at closeout?
Check references for comparable complexity
A recent kitchen reference may not answer questions about an occupied whole-home project, a condo association, an addition, or historic exterior work. Ask for completed work with similar scope, access, decision density, and finish level.
Useful questions cover communication, changes, protection, schedule clarity, punch work, final approvals, and what the owner would do differently—not only whether the finished room looks good.
Slow down when the information gets thinner
Pressure is not proof. Pause if you see material gaps.
- No verifiable license number, mismatched entity names, or reluctance to show insurance documents
- A large upfront payment disconnected from ordered materials or measurable progress
- A one-line scope for complex work, unusually low allowances, or verbal promises outside the contract
- Requests for the owner to pull permits without a clear and legitimate owner-builder arrangement
- A start date promised before critical selections, approvals, lead times, and field dimensions are understood
