Multi-Line Insurance Agency

Multi-Line Insurance Agency
WWW.EMERGEINSURANCE.COM - FLORIDA INDEPENDENT COMMERCIAL/BUSINESS & PERSONAL LINES INSURANCE AGENCY

Monday, November 16, 2015

Beware of Unlicensed Contractors



Homeowners Be Aware!
Each year our residents lose money to unlicensed individuals and craftsmen posing as contractors.
Did you know?
  • According to Florida Statute 455.228 if you hire an unlicensed person, the Department of Business and Professional Regulation (DBPR) may issue a cease and desist order and take you to Circuit Court which has the authority to impose a civil penalty up to $5,000 for aiding and abetting unlicensed activity.
  • If you hire an unlicensed person, you may actually pay more for the job than if you had hired a licensed contractor. Especially if the work is done incorrectly or never finished. You may have to pay much more to correct or finish the job.
  • If you pull a permit for an unlicensed contractor, you are held responsible for the work, not the unlicensed person.
  • If the unlicensed person fails to pay the sub-contractor or suppliers, you will be required to pay them, even though you have already paid the unlicensed person.
  • Plumbing, electrical, heating and air conditioning work must be done only by licensed contractors in each specific trade.
  • Home improvement contractors must be Certified by the State of Florida or have County Certification.
  • Roofing contractors also are required to be Certified by the State or have County Certification.
  • There is no such thing as a “jack-of-all trades” or “handyman” that does not require licensure.
  • A Local Business Tax Receipt (formerly Occupational License) is not a Contractor’s License. It is a tax for the privilege of engaging in the managing of a business or profession. FS 205.032
  • You can be held liable for injury of individuals working on your property if the unlicensed person has no insurance including the unlicensed person’s injuries.


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