After every Florida storm, the second disaster is the contract: an 'assignment of benefits' that hands your insurance claim to a stranger, a 50% deposit, no start date, no licence number. Paste it. You get the rules that protect you, the lines to strike, the licence lookup, and the questions that separate a real roofer from a storm chaser.
Free check
Every line — price, deposit, start date, the insurance language, the company name and any licence number. Say how they found you.
Why this exists
Assignments of benefits are banned on new policies. Deposits over 10% trigger a start-date clock. 'We'll waive your deductible' is insurance fraud. The rules are on your side — if you know them before the pen.
How it works
Every clause, the company name, any licence number. Say how they found you.
AOB language, deposit size, missing start date or price, deductible waivers, cancellation fees — each against the Florida statute, with the deadlines computed.
The DBPR licence lookup, the permit check, the insurance certificate, references — and the exact lines to strike or add before you sign anything.
Plans
For one homeowner. HOAs, insurers and credit unions license it for everyone after a storm.
The marked-up contract (strike / add), a contractor vetting checklist with the lookup steps, a safe-deposit payment schedule tied to milestones, and the cancellation letter if you already signed.
Branded checker for residents, policyholders or members after a storm.
All prices in USD, handled by Stripe. The free check never goes behind a paywall.
Common questions
No. Storm Contractor Contract Check FL explains Florida's contractor and insurance rules in plain words, but it is not legal advice and does not replace a lawyer. It also cannot verify a licence for you — you need to do the DBPR lookup yourself at myfloridalicense.com. If you've already signed something you're worried about, call the Florida DFS fraud line or DBPR.
Yes, the tool is free to use, in English and Spanish. The material describing it doesn't say whether the contract text you paste is stored anywhere, so if that worries you, take out names, addresses or policy numbers you don't need before pasting.
The tool walks you through the licence and permit checks a valid Florida contract should show, but it cannot verify the licence for you. You have to confirm it yourself, free, at myfloridalicense.com (DBPR).
The tool does not cancel contracts and can't undo a signature or a deposit already paid. If you already signed an assignment of benefits (AOB) or paid a large deposit, call the Florida DFS fraud line at 1-800-378-0445 or DBPR at 850-487-1395.
The tool explains rules including the ban on assignment of benefits for post-2023 insurance policies, the 10%-deposit / 90-day-start rule under §489.126, and the 3-day cancellation right for door-to-door sales. It's based on Florida Statutes 489.126, 489.127, 501.025, 627.7152, 713.015 and 817.234 as of 2025–26 — but it's informational only, not legal advice.
No. Storm Contractor Contract Check FL explica en palabras sencillas las reglas de Florida sobre contratistas y seguros, pero no es asesoría legal y no reemplaza a un abogado. Tampoco puede verificar una licencia por usted — debe hacer la búsqueda en myfloridalicense.com (DBPR) usted mismo. Si ya firmó algo que le preocupa, llame a la línea de fraude del DFS de Florida o al DBPR.
Sí, la herramienta es gratuita, disponible en inglés y en español. El material que la describe no indica si el texto del contrato que usted pega se guarda en algún lugar, así que si eso le preocupa, quite nombres, direcciones o números de póliza que no sean necesarios antes de pegarlo.
La herramienta le explica las verificaciones de licencia y permiso que debería mostrar un contrato válido en Florida, pero no puede verificar la licencia por usted. Debe confirmarla usted mismo, de forma gratuita, en myfloridalicense.com (DBPR).
La herramienta no cancela contratos ni puede deshacer una firma o un depósito ya pagado. Si ya firmó una cesión de beneficios (AOB) o pagó un depósito grande, llame a la línea de fraude del DFS de Florida al 1-800-378-0445 o al DBPR al 850-487-1395.
La herramienta explica reglas como la prohibición de la cesión de beneficios (AOB) en pólizas de seguro posteriores a 2023, la regla del depósito del 10% y el inicio en 90 días bajo el §489.126, y el derecho de cancelación de 3 días para ventas de puerta en puerta. Se basa en los Estatutos de Florida 489.126, 489.127, 501.025, 627.7152, 713.015 y 817.234, vigentes en 2025–26 — pero es solo informativa, no es asesoría legal.
Built by the same team, free to try.