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How to Find the Best Contractor in Orlando, FL Check, Compare and Hire With Confidence
Contractors & Construction

How to Find the Best Contractor in Orlando, FL Check, Compare and Hire With Confidence

October 8, 2026 · Harry Brown

The best contractor for your Orlando project is someone qualified to do the work, clear about what it includes, and willing to put the details in writing. A five-star rating is a starting point. It is not enough to make the hire.

Search online and you will find marketplace badges, builder lists and company websites promising excellent results. But a kitchen remodel, a home addition and a major repair need different skills. A company can look impressive online and still be the wrong fit for your job.

You may be about to spend tens of thousands of dollars. Before you sign, you need answers that a star rating cannot give you. Is the license active and appropriate for the work? Who handles the permit? What does the quote leave out? What happens if you pay the contractor, but a subcontractor or supplier remains unpaid?

Pressure makes these questions easier to skip. An urgent repair, storm damage or a promise to start tomorrow can make the first available crew seem like the right choice.

Check first. Commit after the answers hold up.

This guide shows you how to find the best contractor in Orlando by following a repeatable process. You will match the contractor to your project, check the license, identify the right permitting office, and compare three written bids using the same scorecard. You will also learn what to ask before paying and which documents to collect as the work progresses.

The guide includes a 15-minute vetting-call script, a contractor scorecard and a paper-trail checklist for Orlando and Orange County.

It is written for homeowners and landlords planning a kitchen, bathroom, addition, major repair or whole-home renovation. If you are building a new home or commercial space, start with the project-type guidance in Section 1.


Find Your Starting Point

Answer these three questions to find the sections most relevant to your project.

1. What are you doing?
  • Remodel, addition or repair: Read on for the contractor selection guide.
  • New home or commercial build: Start with the note in Section 1.
2. Is the property inside the City of Orlando or in unincorporated Orange County?

Go to Section 3 to identify the permit office responsible for your address. If you are unsure about the jurisdiction, start there before contacting an office.

3. Is this storm damage, or a rental?

Yes: Read Section 10 first for the considerations that apply to your situation.

No: Continue through the main guide.

At-a-Glance: The Pre-Hire Check

Check these six things before you sign or pay. An unanswered question means pause and verify.


Check Where to check Pass looks like Red flag
License and project fit Florida Department of Business and Professional Regulation (DBPR); local building office Active license covering the work; licensed individual verified as qualifying the business on your contract Missing or inactive license; business connection cannot be verified; work outside the license scope
Permit readiness City of Orlando or Orange County FastTrack, depending on the address Building office confirms the contractor can obtain the required permits; contract names who handles them Refusal to obtain required permits or pressure to bypass the building office
Complaint history DBPR public records and local building office You review any complaints, outcomes and disciplinary restrictions before deciding Repeated reports of abandoned jobs or missing deposits; restrictions affecting your project
Insurance Insurance agent or insurer; Florida workers’ compensation records Current liability coverage confirmed; workers’ compensation coverage or valid applicable exemptions verified Verbal assurances only, expired documents or an exemption presented as covering everyone
Written bid Contractor’s proposal Scope, materials, exclusions, price, schedule, permit responsibility and warranty terms are written down One-line price, vague allowances or refusal to document promises
Payment terms Proposed contract Initial payment explained; later payments tied to defined work milestones and applicable inspections Pressure for a large unexplained advance, cash-only payment or full payment before completion


A complaint is a reason to investigate. A clean search is not a guarantee. Read the available records and ask about the outcome.

The payment row is a recommended hiring practice, not a statement of Florida’s legal deposit limit.


1. Best for What? Match the Contractor to the Job

There is no single best contractor in Orlando. There is a best fit for your project. A great roofer may be the right person to replace your roof. That roofing license alone does not qualify them to manage a kitchen gut.

Start with the work you need, then check who is licensed to take it on. “Remodeling contractor” on a website is a description, not proof of a particular license.


Match Your Project to the Contractor

Project Who usually handles it What to verify
Whole-home remodel, addition or structural change General, building or residential contractor, within the license’s scope Building type, height and structural work fit the license class
Kitchen or bathroom remodel Appropriately licensed contractor coordinating the job; individual specialists for separate trade work Who handles each trade, and which licenses and permits the work needs
Plumbing, electrical, roofing or HVAC work Contractor licensed for that trade Active license covering the specific work
Small cosmetic or minor repair jobs A handyman may be suitable for work that does not require a contractor license Exact tasks are allowed; confirm permit requirements separately

Florida defines contractor classes by their permitted scope of work. Use the table to narrow your search, then confirm the actual project with DBPR and the building office.

What CGC, CBC and CRC Mean

These prefixes identify three Florida certified contractor licenses:

  • CGC — Certified General Contractor: Broad construction scope without the building-height limits below, subject to statutory restrictions on performing certain trades.
  • CBC — Certified Building Contractor: Construction of buildings up to three stories; also nonstructural remodeling, repair or improvement of buildings of any size.
  • CRC — Certified Residential Contractor: Work on one-, two- or three-family residences with up to two habitable stories above no more than one uninhabitable story, plus associated accessory structures.

Check the definitions on DBPR’s Construction Industry page and the prefixes in its license-code guide. The residential limit is more precise than simply “two stories.”

A broad construction license also does not mean the contractor can personally perform every trade. Florida requires general, building and residential contractors to subcontract certain work unless they hold the relevant license or a specific exception applies. Ask who will perform the plumbing, electrical, roofing and HVAC work.

For new homes: Use a separate new-construction guide [internal link to add]; The Orlando Real’s May 4, 2022 article discusses production versus custom builders and a “1-2-10” warranty model, but check your builder’s actual warranty terms.

For commercial projects: This guide does not cover commercial contractor selection.

Before You Call Anyone

  1. Write down the scope. “Replace cabinets and flooring” is different from “move plumbing and remove a wall.”
  2. Flag structural and trade work. If you do not know whether a wall is load-bearing, mark it as a question.
  3. Confirm the license needed. Give the building office your address and task list, then use its guidance to screen candidates.

Pass looks like a contractor who explains which license covers the job and identifies the licensed trades involved.

💡 Expert Tip

Ask, “Which license covers this work, and what is the number?” Look up the answer yourself before requesting a detailed bid.

Orlando Goes Local Contractors & Construction contractors in Orlando.


2. The License, Insurance and Complaint Check

A license number on a truck proves nothing until you look it up. It could be expired, belong to someone else or cover different work. Find out before you sign, while you can still move to the next candidate.

Florida Statute 489.128 generally prevents an unlicensed contractor from enforcing a contract for work requiring the relevant state license. That does not automatically recover your deposit or repair your house. This is consumer information, not legal advice.

Run these seven checks for every contractor on your shortlist.

1. Ask for the Company Name and License Number

Request the legal business name, the licensed contractor’s full name and the license number. Get them by email or text so you can copy them accurately.

Pass: The contractor supplies all three without evasion.

Fail: “You don’t need that,” or “I work under my friend’s license.”

Next, search the number yourself. Do not rely on a screenshot the contractor sends.

2. Search DBPR and Open the Full Record

Go to DBPR’s license search. Search by license number, then open the matching record. Check the license class, current status and expiration date. Follow any links to public complaints or discipline; the search results alone are not the full check.

Pass: The license is current and active, covers your project, and has no restriction preventing the work.

Fail: An expired, inactive, suspended or revoked license presented as permission to start.

Save the record before moving on.

3. Match the Licensed Person to the Business

The licensed individual’s name may differ from the company name. What matters is the verified connection. A qualifying agent is the licensed person who qualifies the business to contract.

DBPR recommends checking both the business and the individual to confirm that relationship.

Pass: You can connect the license holder to the business named on the bid and contract.

Before paying, check the payee too. If the contractor asks you to pay another person or company, pause and obtain a documented explanation. An unexplained mismatch fails the check.

4. Check Certified Versus Registered

Certified contractors hold state credentials allowing work throughout Florida within their license scope. Registered contractors are limited to the local jurisdictions where they hold the required certificate of competency. Confirm local eligibility with the building office.

The July 1, 2025 change concerned which local specialty licenses governments may issue. It did not make every registered license statewide. DBPR says local specialty categories must substantially correspond to state categories or have specific statutory authorization.

Pass: The building office confirms the credential covers the work at your address. If an old local card is offered as proof, ask the office whether it remains valid.

5. Search Complaints and Unlicensed Activity

Review public complaints linked to the license, then search the company and individual in DBPR’s unlicensed-activity search. That database concerns contractors unlicensed when the complaint arose. Also ask the local building office about disciplinary restrictions.

Pass: You understand the available records and outcomes. No search result guarantees good work; a complaint alone does not establish wrongdoing.

Repeated allegations of abandoned work or missing deposits deserve closer investigation. Report suspected unlicensed activity to DBPR at 866-532-1440.

6. Verify Insurance, Including Any Exemption

Ask for current liability and workers’ compensation certificates. Confirm liability coverage with the listed agent or insurer. Check workers’ compensation through Florida’s coverage and exemption portal.

Orlando requires current workers’ compensation proof or an exemption during contractor registration. An individual exemption is not proof that every worker is covered.

Pass: Current documents and verified coverage or applicable exemptions. Verbal assurances fail.

7. Separate the Tax Receipt From the License

A business tax receipt documents local business-tax payment. It does not replace the contractor credential. Orlando requests both documents separately; Orange County also distinguishes tax receipts from applicable licenses and competency cards.

Pass: The contractor supplies the actual license needed for your work.


Orlando Goes Local Home Repair & Maintenance (anchor: home repair and maintenance in Orlando


3. City or County? Who Issues Your Permit

Confirm the permitting office before work starts. “We’ll take care of the permit” is a promise you should be able to check.

An Orlando mailing address does not necessarily put your property inside Orlando’s city limits. The city warns that your address could fall in unincorporated Orange County or another municipality. Choosing the office by the name on your mail can send you to the wrong place.

The solution is simple: check the address, confirm the office and look up the permit yourself.

Inside the City of Orlando

The city’s Permitting Services Division handles building permits. Contractors obtaining permits must register with the city and keep their required documents current. Missing updates can prevent the permit or inspections from moving forward.

Select Check Permit Status to search by address, permit number, project name or parcel ID—the identifier for the property.

In Unincorporated Orange County

Orange County’s Division of Building Safety handles building permits for unincorporated areas and provides contractor-licensing services.

Use Orange County FastTrack to search permits, properties and contractor records. For building-permit status, the county directs readers to Permits, All Types, then Building Permits. Search using the permit number, address or parcel ID.

Confirm Which Office Covers Your Address

  1. Enter the property address in Orlando’s Check Your Address tool. Check whether it falls inside city limits.
  2. Confirm the property’s municipality. Orlando also directs residents to the Orange County Property Appraiser’s property search; the municipality should be listed as Orlando for city permitting appointments.
  3. Contact the relevant building office. Give the full address and proposed scope. Ask: “Do you issue the permits for this property, and which permits does this work need?”

If the property falls within another municipality, confirm its permitting arrangements directly. Do not assume Orange County handles every address outside Orlando.

Do Not Sign an Owner-Builder Form as a Favor

An owner-builder permit lets an eligible property owner act as their own contractor under a legal exemption. It carries responsibility.

The City of Orlando declaration and Orange County disclosure identify the owner-builder as legally and financially responsible for the construction. Their disclosures also assign responsibility for checking hired contractors’ licenses and workers’ compensation status.

“Pull it yourself it’s easier” is a red flag.

Your name appearing as property owner is different from accepting the owner-builder role. Confirm with your local building department before signing.

Expert tip: Ask for the permit number before permitted work begins. Verify the address, contractor, approved scope and issued status. An application number alone does not establish permission to start.




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4. Build a Shortlist of Three to Five

A shortlist is a filter, not a verdict. Nothing on it is “best” until it passes the license, insurance and complaint checks in Section 2.

Start with three to five candidates whose stated services match your project. That gives you a manageable group to question before arranging visits. Thumbtack’s hiring guide also recommends contacting at least three to five contractors, with more if you struggle to find a suitable fit.

Ask for Referrals That Explain the Work

Neighbors, coworkers and property managers can supply names. Ask what the contractor actually did. A recommendation for replacing a fence tells you little about managing a bathroom remodel.

Go beyond “Were you happy?” Ask:

  • Was the final bill close to the written quote?
  • What caused delays, and how were they handled?
  • Who arranged permits and inspections?
  • What went wrong, and did the contractor fix it?
  • Would you hire the same company for this particular project?

A useful referral describes the job, the problems and the response. “Nice people” is not enough information to compare candidates.

Read Reviews for Patterns

Read recent reviews and look for projects similar to yours. Pay attention to repeated mentions of missed dates, unexplained charges, permit problems, cleanup and unfinished work.

Then read the company’s replies. Does it address the specific complaint and explain a next step? Or does it avoid the issue?

Treat reviews as questions to investigate. Several accounts describing the same problem deserve more attention than one vague complaint. Likewise, praise for quick repairs does not establish experience with an addition.

Use Marketplaces to Find Names

Marketplaces can help you find available candidates, but read what each badge means. Thumbtack describes its Top Pro badge as a signal of high ratings across several customer reviews. That description is not a license verification.

Check the platform’s explanation of any response-speed, background-check or license badge. Then run your own checks for the business and the work you need.


Browse Contractors & Construction or Home Repair & Maintenance. Narrow by service and neighborhood, then use Top rated or Most reviewed to organize candidates.

For this guide, listingsincluding paid placements are starting points, not endorsements. The site describes its Verified badge as confirmation of listing ownership. Do not read it as confirmation of a contractor license.


5. The 15-Minute Vetting Call

Use the first call to decide whether a site visit is worth booking. Clear answers earn the next step. Promises still need checking.

Start with: “I’m comparing contractors for a [project] at [address]. Before arranging a visit, I have ten questions about licensing, permits and how you manage the work.”

These questions are editorial hiring guidance, not a legal checklist. Allow about 15 minutes. If an answer needs supporting documents, agree on when you will receive them.


Ask this What to listen for—and when to pause
1. What is your Florida license number and class? Good: A specific number and class, followed by written confirmation. Pause: Only a business tax number, an evasive answer or repeated failure to send the details. Offering to text the number after the call is fine if it arrives and checks out.
2. Who holds that license, and how are they connected to the company on my contract? Good: The licensed individual’s name and an explanation of their role as the business’s qualifying agent. Pause: “We borrow a friend’s license,” or no verifiable connection. The individual and company do not need identical names; verify the relationship through DBPR.
3. Which office handles permits for my address, and who will obtain them? Good: The contractor identifies the likely office, agrees to confirm requirements and explains who handles applications and inspections. Pause: A blanket “No permits needed” without checking the scope, or pressure for you to sign as owner-builder.
4. Can you send proof of liability insurance and workers’ compensation coverage or applicable exemptions? Good: Current documents, contact details for verification and a clear explanation of any exemptions. Pause: “We’re covered” without documents, or refusal to let you verify them. An exemption needs checking too.
5. Have you completed this type of project in a home like mine? Good: Specific examples with comparable scope, building conditions and two recent clients willing to speak with you. Pause: Unrelated project photos, vague claims or no references. Ask what problems arose on those jobs and how they were resolved.
6. Who supervises the site, and who performs the trade work? Good: A named supervisor, an explanation of employees versus subcontractors, and a process for checking required trade licenses. Pause: No clear responsibility for supervision or trade selection. If subcontractors are not selected yet, ask when their details will be provided.
7. What is a realistic timeline, and what could delay it? Good: A proposed start window, estimated duration and specific dependencies such as permits, material deliveries or weather. Pause: An immediate-start promise without reviewing the job, or no explanation of how delays will be communicated.
8. How do you handle changes after we sign? Good: A written change order describing the work, price adjustment and schedule effect for approval before the changed work proceeds. Pause: “We’ll sort out the cost later.” Ask to see the proposed change-order terms.
9. What is the payment schedule? Good: An explained initial payment and later installments tied to defined work milestones and applicable inspections. Pause: A large unexplained advance, cash-only demands or payment dates unrelated to progress. Request the schedule in writing before deciding.
10. What written workmanship warranty do you offer? Good: Written terms explaining duration, coverage, exclusions and how to request a repair. Pause: “We stand behind everything” without terms. Ask how the workmanship warranty differs from any manufacturer warranty.


💡 Expert Tip

Ask every contractor the same ten questions in the same order. Write down the answers, promised documents and delivery dates.

End with: “Please send the documents we discussed. I’ll review them before scheduling the visit.”

Book the visit after the answers and records agree

6. Build Your Own Best-Contractor Scorecard

Check eligibility first. Score the contractors who pass. A low price or impressive portfolio cannot make up for a failed license check.

These tables give you a repeatable comparison method. The gates and weights are editorial hiring guidance, not research findings or a guarantee of performance. Copy them into a document or spreadsheet and use the same standards for every candidate.

Step 1: Apply the Pass-or-Fail Gates

Mark each gate pass, fail or unresolved. An unresolved item needs evidence before the contractor moves forward. A confirmed failure removes that candidate from your shortlist.

Gate Pass looks like—and what fails
Active license covering your project Pass: You verify the current license, appropriate scope and connection to the contracting business. Fail: The required license is inactive, expired, unrelated to the business or outside the project’s scope. A portfolio does not override this gate.
Eligibility with the correct permit office Pass: The office covering your address confirms the contractor meets applicable registration requirements and can obtain the required permits. Fail: The contractor cannot obtain them or refuses to handle required permitting. Pending registration stays unresolved until confirmed.
Verified insurance documentation Pass: Current liability coverage and workers’ compensation coverage or applicable exemptions are documented and checked. Fail: Required evidence is missing, expired or cannot be verified. A verbal promise does not count as documentation.
No substantiated pattern of unresolved complaints Pass: You review available records and explanations without finding a repeated, unresolved pattern that makes the hire unacceptable. Fail: Records and reference checks substantiate repeated abandoned work, missing deposits or comparable problems. One allegation alone does not establish a pattern.

7. Compare Three Bids Line by Line

Similar totals do not mean similar bids. Put all three proposals on one sheet and identify what each includes, excludes or leaves unanswered.

One contractor may include demolition, disposal and permit fees. Another may quote only installation. Until those differences are clear, the totals are not ready to compare.

Start by giving every contractor the same written scope. Include the rooms involved, the work you want, your material preferences and any structural or trade changes. Ask each contractor to identify exclusions separately.

Your Three-Bid Comparison Sheet

This is an original Orlando Goes Local comparison tool. Copy it into a document or spreadsheet. Enter the details from each proposal; write “not stated” wherever an answer is missing. A blank space should never become an assumed inclusion.

Line item Bid A Bid B Bid C
Company name and license number — — —
Itemized scope of work and exclusions — — —
Materials, brands, models and finish grade — — —
Allowances and what each covers — — —
Permit fees and inspections included? Who obtains permits? — — —
Demolition, debris removal and cleanup — — —
Subcontractors and required trade licenses; details pending? — — —
Proposed start, expected finish and dependencies — — —
Total price and payment schedule — — —
Change-order approval and pricing process — — —
Written workmanship warranty and exclusions — — —
Bid expiration date — — —


Find What Makes the Lower Bid Lower

A lower bid needs an explanation before it earns a higher score. Possible differences include less work, lower-grade materials, smaller allowances or omitted permit costs. A contractor may also have a more efficient approach. Ask rather than guessing.

An allowance is an amount included in the bid for an item or work whose final selection or cost has not yet been fixed.

For example, two bathroom bids may both include a tile allowance. One may cover materials only; the other may include installation. Ask what quantity, quality and labor each allowance covers, and how any difference from the final cost will be charged or credited.

Check these gaps in order:

  1. Compare the scope. Is preparation, demolition, installation and finishing included in all three? Check repairs to surfaces disturbed by the work.
  2. Compare materials and allowances. Match brands, models, quantities and finish grades where possible. Ask contractors to explain substitutions.
  3. Compare responsibilities. Identify who handles permits, inspections, disposal and subcontractors. Confirm which costs sit outside the quoted total.
  4. Request revised written bids. Have each contractor resolve missing items before you score price. Keep the revised versions together.

Ask directly: “Your proposal is lower than the others. Which scope, materials or assumptions account for the difference?”

Pass looks like a specific explanation supported by the written proposal. “We’re just cheaper” leaves the comparison unfinished.

Compare the Terms Alongside the Total

Read the payment milestones, change-order terms, schedule assumptions and warranty together. If two contractors offer different contract structures, ask how the final payable amount will be calculated.

Expert tip: Do not use your memory to fill a missing line. Ask for the answer in writing, then update the sheet.

If you need another candidate to complete your comparison, find contractors by neighbourhood and run the same checks before requesting a bid.


8. Contract Must-Haves and the 10% Rule

Do not pay a large advance against a vague agreement. A one-page contract may leave important questions unanswered: what you are buying, when work starts and what earns the next payment.

If the job stalls, verbal promises are harder to document. If the scope changes, an unclear agreement can turn a simple decision into a dispute over cost.

Get the work, dates and payment milestones in writing before money changes hands.

What Your Contract Should Cover

Use this practical checklist when reviewing the proposed agreement:

  • Business identity: Legal contracting name, address, license number and payment recipient.
  • Itemized scope: Work included, preparation, demolition, cleanup and explicit exclusions.
  • Materials: Brands, models, quantities, finish grades and clearly defined allowances.
  • Price and payments: Total or pricing method, initial payment and installments tied to defined progress and applicable inspections.
  • Schedule: Start and completion dates or windows, dependencies and how delays will be communicated.
  • Changes: Written approval of added work, price adjustments and schedule effects before that work proceeds.
  • Permits: Who obtains them, which office handles them and who pays the fees.
  • Warranty: Written workmanship coverage, exclusions, duration and repair-request process.

These are recommended review points, not an exhaustive list of legally required contract terms. Even for a small job, document the agreement. Resolve missing details before signing.

When browsing licensed contractors in Orlando, verify each candidate’s license independently before reaching the contract stage.

What Florida’s 10% Rule Actually Does

Ten percent is a trigger for statutory duties, not a deposit cap. Section 489.126 does not prohibit a larger initial payment.

For covered residential work, an initial payment exceeding 10% generally requires the contractor to:

  1. Apply for necessary permits within 30 days after payment.
  2. Start work within 90 days after all necessary permits are issued.

The statute includes exceptions for just cause and longer periods agreed to in writing. The permit-application requirement does not apply where the work requires no permit.

Trigger Permit application Work begins
Initial payment exceeds 10% Within 30 days after payment, where required Within 90 days after all necessary permits issue
Exceptions Just cause or a written extension may apply Just cause or a written extension may apply

If the Contractor Misses Those Duties

For noncompliance with subsection (2), the statute specifies a written demand to apply for permits, start work or refund payment. Send it by certified mail, return receipt requested, to the contract address. If none exists, use the applicable licensing-record address.

Failure to take the specified action within 30 days after receiving the demand may support an inference that there was no just cause. The current statute provides criminal penalties for violations; a missed deadline alone does not guarantee prosecution, a refund or a court outcome.

Keep the letter, delivery evidence, contract and payment records. This is consumer information, not legal advice.

Check the Recovery Fund Notice and Payment Recipient

Section 489.1425 requires a Recovery Fund rights statement in covered residential agreements, except where all labor and materials total $2,500 or less. The notice must include the board’s prescribed contact details. It does not guarantee eligibility or payment.

Pay by check or card to the verified contracting party. For a sole proprietor, that may be an individual’s name. Pause over unexplained payee changes, avoid cash and obtain receipts.

💡 Expert Tip

Negotiate a small, explained initial payment and specific permit and start deadlines. Do not treat the statutory outer deadlines as your preferred schedule.


9. Protect Yourself From Liens: The Paper Trail

Paying your contractor in full does not guarantee everyone on the job has been paid. An unpaid subcontractor or supplier may have a claim against your property, even after you have paid the contractor.

That claim is a construction lien: a legal claim against property for qualifying unpaid work or materials. Florida’s statutory warning expressly identifies the risk of paying twice.

Protect your payments with documents collected throughout the job. A contractor’s receipt is only one part of that record.

1. Record and Post the Notice of Commencement

A Notice of Commencement identifies the improvement, property owner, contractor and other project information. Where required, the owner or authorized agent records it before work begins and posts the required copy at the site.

Do not confuse two thresholds. Orlando’s permitting page calls for a recorded notice for inspection scheduling when the contract price exceeds $5,000. Separately, Sections 713.02 and 713.13 generally establish the lien-law recording duty for improvements exceeding $2,500, subject to exceptions. Confirm your project’s requirements with the building office; the inspection threshold does not replace the lien-law rule.

For property in Orange County, use the Orange County Comptroller’s recording service. Keep the recorded copy, post it as required and provide it to the permitting office.

2. Keep Every Notice to Owner

A Notice to Owner tells you that a party is supplying work or materials and may preserve lien rights. It is not itself a recorded lien or proof that payment is overdue.

Save each notice and its delivery date. Add the sender to your subcontractor-and-supplier list. Ask the contractor how that party’s payment and release will be documented.

3. Collect Releases With Progress Payments

A partial release of lien releases rights for the payment or work covered by its terms.

DBPR recommends obtaining partial releases when the contract provides for progress payments. Put responsibility for collecting them in your agreement. Obtain appropriate releases from relevant subcontractors and suppliers, not just the main contractor.

Check the property, party, amount and covered period. Coordinate releases with payment; do not assume a document covers later work or unpaid balances.

4. Review the Affidavit Before Final Payment

A Contractor’s Final Payment Affidavit is a sworn statement addressing payment to qualifying parties and identifying unpaid amounts. Section 713.06 requires the owner to retain final payment until the required affidavit is furnished.

Compare it with your notices and releases. If anyone remains unpaid, resolve the payment-and-release arrangements before releasing the remaining balance. DBPR recommends obtaining final releases from unpaid parties before final payment.

5. Keep the Complete Project Folder

Copy this original paper-trail checklist:

  • Signed contract with license number, scope, payments and dates
  • Dated DBPR license screenshots
  • Insurance documents and verification
  • Permit number and inspection records
  • Recorded and posted Notice of Commencement, where required
  • Every Notice to Owner received
  • Progress-payment receipts and partial releases
  • Contractor’s Final Payment Affidavit
  • Appropriate final releases of lien
  • Photos before, during and after construction

💡 Expert Tip

Review the affidavit and required releases before final payment. If records conflict or unpaid parties remain, get advice from a Florida construction-law attorney.

Read DBPR’s lien-law summary alongside Section 713.06. This is consumer information, not legal advice.

10. Special Cases: Storm Damage and Rentals

Storm Damage: Pause Before You Commit

Urgent damage does not make an unchecked contractor a safe hire. After severe weather, a crew may knock on your door, point out damage and offer a price that expires today. Florida’s Insurance Consumer Advocate identifies unsolicited approaches and pressure to act immediately as warning signs.

DBPR says unlicensed activity during a declared state of emergency carries an elevated penalty from a misdemeanor to a third-degree felony. That enforcement warning does not replace your own checks.

Use this sequence before committing to permanent repairs:

  1. Do not sign because of a same-day sales deadline. Take time to review the offer. If immediate protective work is necessary, define that limited work separately instead of rushing into a full renovation contract.
  2. Check the license and insurance first. Follow Section 2, then confirm the permitting office in Section 3. Orange County advises storm-damage homeowners to verify licenses, references, insurance and required permits.
  3. Get the scope and price in writing. Separate temporary protection from permanent repairs. Identify materials, exclusions, disposal and who handles inspections.
  4. Negotiate an explained initial payment. Keep it small where practical. Put payment milestones, permit responsibilities and start dates in the agreement. Review the statutory deadlines and exceptions in Section 8.
  5. Contact your insurer. Ask what photos, estimates, receipts and inspection evidence it needs. Confirm how emergency mitigation and permanent repairs should be documented; do not rely on the contractor’s promise that insurance will pay.
  6. Report suspected unlicensed activity. Call DBPR at 866-532-1440, or use the reporting options linked from its Unlicensed Activity Program. Keep the advertisement, proposal, messages and payment evidence.

Rentals and Investor Properties: Keep Each Job Separate

Use the same checks for a rental as for your own home. A tight turnover date or resale deadline should not remove a license, insurance or permit gate from your scorecard.

Keep one folder per property. Label each bid, invoice, change order and release with the address and project. When the same contractor handles several properties, record which payment belongs to which job.

Before buying or requesting renovation bids, review available permit history by address through Orlando’s permit tools or Orange County FastTrack. Both provide address-based searches. An absent record is a reason to ask questions, not proof that work was illegal.

Document who approves changes and receives updates. Ask an attorney about tenant access, signing authority, entity ownership or owner-builder eligibility where those issues affect the job.

💡 Expert Tip

Maintain a shortlist before storm season. Recheck credentials and insurance when hiring; an earlier check can become outdated.


Frequently Asked Questions

How do I check if a contractor is licensed in Orlando?

Search the contractor’s name or license number in the Florida DBPR license search. Confirm active status, the appropriate license class and the license holder’s connection to the business on your contract. Then check eligibility with the permitting office covering your address. Different individual and company names are acceptable when the qualifying relationship checks out.

What is the difference between a general contractor and a specialty contractor?

General, building and residential contractors have broader construction scopes, with different limits. A trade contractor’s license covers a defined area, such as plumbing, electrical work or roofing. A broad construction license does not automatically authorize the holder to personally perform every trade. Match the actual work to the license and identify any required licensed subcontractors.

How many bids should I get?

For a major renovation or addition, get at least three written bids based on the same scope. Florida’s Insurance Consumer Advocate recommends three detailed estimates from licensed, insured contractors. For a small repair, one carefully checked contractor may be sufficient; seek another opinion if the diagnosis, scope or price is unclear.

How much deposit can a contractor ask for?

Florida’s “10% rule” is not a deposit cap. Under Section 489.126, an initial payment exceeding 10% on covered residential work generally triggers a 30-day deadline to apply for necessary permits and a 90-day deadline to start after all necessary permits issue. The statute includes exceptions for just cause and longer periods agreed to in writing. Negotiate an explained initial payment and clear milestones.

Does the City of Orlando or Orange County issue my permit?

Inside Orlando’s city limits, contact the city’s Permitting Services Division. In unincorporated Orange County, contact the county’s Division of Building Safety. An Orlando mailing address does not establish jurisdiction. Use Check Your Address, then confirm the property and work with the relevant office.

What is a Notice of Commencement?

A Notice of Commencement is a recorded document identifying a property improvement, its owner, contractor and other project details. Where required, it must be recorded before work begins and posted as prescribed. It supports the construction-lien process; it is not itself a lien or proof that everyone has been paid. For Orange County property, recording is handled through the County Comptroller.

What happens if I hire an unlicensed contractor?

For work requiring the relevant state license, Section 489.128 generally prevents the unlicensed contractor from enforcing the contract. That does not automatically recover your money or remove other parties’ potential lien rights. Report suspected unlicensed activity to DBPR at 866-532-1440 and seek legal advice about significant losses.

Are online ratings enough to pick a contractor?

No. Ratings help you find candidates, but they do not establish current licensing, insurance or permit eligibility. Read each badge’s definition: Thumbtack describes Top Pro as a review-based signal, while Orlando Goes Local describes Verified as confirmation of listing ownership. Run the independent checks before hiring.

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