Owner-Builder Disclosure Statement
Provide property address under Statement #11.
Provide copy of property owner’s Florida Driver License.
Provide notarized property owner signature at end of Disclosure Statement.
1. I understand that state law requires construction to be done by a licensed contractor and have applied for
an owner-builder permit under an exemption from the law. The exemption specifies that I, as the owner
of the property listed, may act as my own contractor with certain restrictions even though I do not have a
license.
2. I understand that building permits are not required to be signed by a property owner unless he or she is
responsible for the construction and is not hiring a licensed contractor to assume responsibility.
3. I understand that, as an owner-builder, I am the responsible party of record on a permit. I understand that
I may protect myself from potential financial risk by hiring a licensed contractor and having the permit
filed in his or her name instead of my own name. I also understand that a contractor is required by law to
be licensed in Florida and to list his or her license numbers on permits and contracts.
4. I understand that I may build or improve a one-family or two-family residence or a farm outbuilding. I
may also build or improve a commercial building if the costs do not exceed $75,000. The building or
residence must be for my own use or occupancy. It may not be built or substantially improved for sale or
lease. If a building or residence that I have built or substantially improved myself is sold or leased
within 1 year after the construction is complete, the law will presume that I built or substantially
improved it for sale or lease, which violates the exemption.
5. I understand that, as the owner-builder, I must provide direct, onsite supervision of the construction.
6. I understand that I may not hire an unlicensed person to act as my contractor or to supervise persons
working on my building or residence. It is my responsibility to ensure that the persons whom I employ
have the licenses required by law and by county or municipal ordinance.
7. I understand that it is a frequent practice of unlicensed persons to have the property owner obtain an
owner-builder permit that erroneously implies that the property owner is providing his or her own labor
and materials. I, as an owner-builder, may be held liable and subjected to serious financial risk for any
injuries sustained by an unlicensed person or his or her employees while working on my property. My
homeowner's insurance may not provide coverage for those injuries. I am willfully acting as an owner-
builder and am aware of the limits of my insurance coverage for injuries to workers on my property.
8. I understand that I may not delegate the responsibility for supervising work to a licensed contractor who
is not licensed to perform the work being done. Any person working on my building who is not licensed
must work under my direct supervision and must be employed by me, which means that I must comply
with laws requiring the withholding of federal income tax and social security contributions under the
Federal Insurance Contributions Act (FICA) and must provide workers' compensation for the employee.
I understand that my failure to follow these laws may be subject me to serious financial risk.