Home Improvement Consumer Protection
Essential information to protect Marion County homeowners from contractor scams, fraud, and costly mistakes when hiring home improvement professionals.
Why Home Improvement Protection Matters in Marion County
Growing Scam Activity
Florida ranks among the top states for contractor fraud, with HVAC and roofing scams particularly common in Central Florida's hot, humid climate.
Financial Protection
Homeowners can lose thousands to unlicensed contractors, while property liens from unpaid subcontractors can threaten home ownership.
Prevention Works
Simple verification steps and knowledge of your rights can prevent most contractor fraud and ensure quality workmanship.
How to Verify Contractors in Florida
Check Online Database
Visit www.myfloridalicense.com to verify active contractor licenses
Verify Insurance
Request proof of liability and workers' compensation insurance
Check Local Permits
Ensure proper building permits are obtained for your project
Get References
Ask for recent local references and actually contact them
Door-to-door solicitation with high-pressure tactics
Demands for full payment upfront
No local address or Florida business license
Prices significantly below other estimates
Claims of "leftover materials" from other jobs
Unwilling to provide written contracts or warranties
Requests payments to personal accounts vs. business accounts
Payment Protection Guidelines
Down Payment: Maximum 10% or $1,000 (whichever is less)
Progress Payments: Tie payments to completed work milestones
Final Payment: Hold 10-20% until work is completely finished
Payment Method: Check or credit card with clear paper trail
Documentation: Get receipts for all payments made
Full Payment Upfront: Major red flag for potential fraud
Cash Only: Legitimate businesses accept multiple payment methods
Personal Account Payments: Payments should go to business accounts
Pressure to Pay Immediately: Take time to verify and think
No Written Contract: All work should have written agreements
Protecting Your Property from Liens
Understanding Lien Risks
Even if you pay your contractor in full, suppliers and subcontractors who aren't paid can place liens on your property. These liens can force the sale of your home to satisfy debts you didn't directly incur.
Florida's Lien Law
Florida Statute Chapter 713 allows unpaid subcontractors and suppliers to file liens against your property, even if the general contractor received payment.
Protection Steps
Require Lien Releases
Get releases from all subcontractors and suppliers before final payment
Use Joint Checks
For large projects, make checks payable to both contractor and suppliers
Verify Payment to Subs
Request proof that subcontractors have been paid
Keep Documentation
Maintain records of all payments and lien releases
Common HVAC Scams in Central Florida
Bait-and-Switch Repairs
Advertise cheap services, then claim your system needs expensive repairs or replacement.
Protection: Get second opinions for major repairs. Ask for written estimates.
Door-to-Door "Inspections"
Claim to offer free inspections, then "find" problems requiring immediate expensive repairs.
Protection: Never allow unsolicited door-to-door service providers into your home.
Insurance Fraud
Promise to handle insurance claims, then do substandard work or inflate damages.
Protection: Work directly with your insurance company. Verify all work quality.
How to File Complaints and Get Help
Department of Business & Professional Regulation
Contractor licensing and complaints
www.myfloridalicense.comPhone: (850) 487-1395
Florida Attorney General
Consumer fraud and scams
www.myfloridalegal.comFraud Hotline: 1-866-9-NO-SCAM
Marion County Building Department
Permit verification and building code issues
Phone: (352) 671-8686
Marion County Sheriff's Office
Criminal fraud and theft cases
Non-emergency: (352) 732-9111
Frequently Asked Questions
How can I verify a contractor's license in Florida?
Check contractor licenses at www.myfloridalicense.com or call the Department of Business & Professional Regulation at (850) 487-1395. All contractors must be licensed for projects over $1,000 in Florida.
What should I do if a contractor asks for full payment upfront?
Never pay the full amount upfront. Florida law allows contractors to request up to 10% down or $1,000, whichever is less, before starting work. Be wary of contractors demanding large upfront payments.
How do I protect myself from liens on my property?
Insist on lien releases from all subcontractors and suppliers before making final payments. Don't sign completion certificates or make final payments until you're satisfied with the work and have received all lien releases.
Where can I file a complaint against a contractor in Marion County?
File complaints with the Florida Department of Business & Professional Regulation online at www.myfloridalicense.com or call (850) 487-1395. Also contact the Florida Attorney General at 1-866-9-NO-SCAM.
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