Choosing the right general contractor is one of the most crucial decisions you’ll make when planning a construction or remodeling project in Florida. 

With its unique weather patterns, hurricane risks, stringent building codes, and specific licensing laws, the Sunshine State presents challenges that require expertise and local knowledge. Asking the right questions before you hire isn’t just smart, it’s necessary. 

This detailed guide will walk you through seven vital questions to ensure you’re making a well-informed, confident decision that safeguards your property, time, and budget.

 

1. Are You Licensed, Insured & Financially Stable?

The very first step in vetting a general contractor in Florida is verifying their license and insurance status. Without proper credentials, you’re taking a major risk that could lead to financial liability, project delays, or unsafe construction.

What to Request:

  • Active Florida contractor license number (verify through the DBPR)
  • General liability insurance certificate
  • Workers’ compensation insurance documentation
  • Performance or surety bonding information, if applicable

Why It’s Crucial:
 A licensed contractor demonstrates legal compliance and professionalism. Insurance protects you from liability if a worker gets injured or property is damaged. 

Financial stability is also key it ensures the contractor can handle expenses like materials, labor, and subcontractors without sudden delays or cash shortages mid-project.

 

2. How Much Experience Do You Have with Florida-Based Projects?

Building in Florida means navigating humidity, salt air, hurricane resistance requirements, and more. A contractor with local experience will understand how to work within these constraints effectively.

Inquire About:

  • Years of experience specifically within Florida
  • Types of projects completed (e.g., coastal homes, hurricane retrofits, commercial builds)
  • Familiarity with local code compliance and climate-resistant materials

Insider Tip:
 Contractors who are experienced in your region know how to obtain permits efficiently and can often anticipate and avoid issues with city or county inspectors.

 

3. Can You Provide References and a Portfolio of Local Work?

A trustworthy contractor should offer verifiable references and show you examples of similar projects they’ve completed in your area.

Ask for:

  • At least 3–5 recent references with contact info
  • Photos or case studies of completed projects
  • Online reviews from platforms like Google, Yelp, Houzz, or Angi

What to Ask References:

  • Was the contractor punctual and professional?
  • Were there hidden costs or delays?
  • How was communication handled?
  • Would you hire them again?

What to Look For:
 Focus on projects that mirror yours in scale and complexity and are located in your county or city. This ensures the contractor is familiar with local logistics and regulations.

 

4. How Do You Handle Permits, Inspections & Code Compliance in Florida?

Florida has strict construction codes due to hurricane risks and environmental regulations. Make sure your contractor handles all permitting and inspection processes.

Clarify Details On:

  • Who pulls permits—you or the contractor?
  • How they handle re-inspections or delays
  • Knowledge of the Florida Building Code (FBC), coastal, and flood zone regulations

Why It Matters:
Skipping or mishandling permits can lead to stop-work orders, fines, and issues when selling or refinancing your home. A reliable contractor will handle this process entirely and keep you updated.

 

5. What Is Your Communication and Project Management Style?

The success of any project depends heavily on clear and consistent communication. Knowing who your point of contact is and how updates will be delivered helps you stay informed and reduces misunderstandings.

Important to Ask:

  • Who will manage the job site daily?
  • How will you receive updates, calls, emails, or via project management apps?
  • Will there be regular check-ins or status reports?

Pro Tip:
 Request a detailed work schedule upfront with timelines, milestones, and key deliverables. It’s a great way to set expectations and avoid confusion.

 

6. How Are Costs, Payments & Change Orders Handled?

Understanding the financial process of your project is essential for avoiding conflicts. Everything should be laid out clearly before signing a contract.

Discuss:

  • An itemized and written estimate
  • A defined payment schedule based on milestones (e.g., completion of framing, inspections)
  • How change orders are submitted, approved, and billed
  • What happens if unexpected costs arise

Watch for These Red Flags:

  • Vague or verbal-only pricing details
  • Requests for large upfront payments (over 30%)
  • Contractors are unwilling to put terms in writing

Also Ask:
Will they include lien waivers? These documents confirm subcontractors and suppliers have been paid and protect you from legal claims.

 

7. What Warranty or Post-Project Support Do You Offer?

The relationship with your contractor shouldn’t end the day the tools are packed up. Ensure that they offer warranties and support if issues arise.

Key Warranty Questions:

  • What’s covered under your workmanship warranty and for how long?
  • Do product warranties come with manufacturer support?
  • How do you handle warranty service calls or issues?
  • Is there a final inspection or project sign-off process?

Bonus Tip:
Ask if they offer a documentation binder or folder that includes product info, warranties, permits, and contacts for any future needs.

 

Extra Sections for Homeowners

Common Red Flags to Avoid When Hiring a Contractor

  • Lack of a written contract
  • Unusually low estimates that seem too good to be true
  • Aggressive sales tactics or a rush to start
  • No verifiable license or insurance
  • Poor or no online presence

Understanding Florida’s Construction Laws & Your Rights

  • Florida requires licensing for most home improvement and construction work
  • The Florida Homeowners’ Construction Recovery Fund can help consumers recover financial losses
  • You often have the right to cancel contracts within three business days

How to Prepare for Your First Contractor Meeting

Be ready to:

  • Define your project goals, scope, and timeline
  • Share a realistic budget range
  • Bring reference photos, drawings, or inspiration boards
  • Print this question list to guide the conversation

Bonus: Questions Specific to Florida Homeowners

  • Are you familiar with flood zone requirements and FEMA guidelines?
  • Have you worked with insurance claims related to hurricane damage?
  • Do you use hurricane-rated windows, roofing materials, and anchors?

Final Thoughts: Be Proactive, Not Reactive

Hiring the right general contractor in Florida can be the difference between a smooth, on-time project and a stressful, costly disaster. When you take time to research, ask the right questions, and verify credentials, you’re setting yourself up for success.

At Head Construction Corp., we bring decades of local experience, full licensing, and a customer-first mindset to every job. Whether you’re planning a major remodel or new construction, we’d be happy to answer these questions and more in a no-pressure consultation.

 

Frequently Asked Questions

Q: Can I check a contractor’s license online in Florida?
 Yes. Visit the Florida DBPR License Lookup to verify active status, complaints, and disciplinary actions.

Q: What is a lien waiver and how does it protect me?
 A lien waiver is a legal document confirming the contractor has paid all workers and suppliers. It protects homeowners from future legal claims or liens on their property.

Q: Is it necessary to get multiple bids before hiring?
 Definitely. Obtain at least three detailed bids to compare cost, experience, and value—not just price. This gives you negotiation power and peace of mind.