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I Already Signed a Bad Roofing Contract in Florida — Now What?
Use the free tool — Storm Contractor Contract Check FL
You already signed something. Here's what to know.
Maybe a contractor showed up right after the storm, put a contract on the hood of the truck, and you signed it. Maybe you already paid a deposit. This page tells you what Florida law says about that situation, using only the facts below. It is not legal advice.
Check if you still have a right to cancel
Florida gives buyers a 3-day cancellation right for door-to-door sales. If the contractor sold to you at your home, not at their business, this right may still apply to you.
- Confirm the exact deadline with a professional — this page cannot calculate it for you without your signed date.
- Florida Statute 501.025 covers this rule.
Look at the deposit and the start date
Under Florida Statute §489.126, a roofing or construction contract generally should follow a 10%-deposit rule, and work should start within 90 days. If your contract has a bigger deposit, or no start date at all, that is worth raising with a professional or with one of the agencies below.
Did you sign an assignment of benefits (AOB)?
Florida law bans assignment of benefits on insurance policies issued after 2023, under Florida Statute 627.7152. If you signed a paper handing your insurance claim to the contractor, check what your policy date is and confirm with your insurer or a professional whether that assignment is valid.
If you already paid a large deposit or signed an AOB, call now
- Florida DFS fraud line: 1-800-378-0445
- DBPR: 850-487-1395
This tool cannot cancel a contract or undo a signature or a deposit already paid. These agencies can tell you what your real options are.
Check the contractor's licence, even now
You can look up any Florida contractor's licence for free at myfloridalicense.com (DBPR). This is worth doing even after signing — it tells you whether you are dealing with a licensed contractor at all, which matters for permits, liens (Florida Statute 713.015), and any fraud report you might need to file (Florida Statute 817.234 covers insurance fraud; Florida Statute 489.127 covers unlicensed contracting).
What to do next
This page is general information only, based on Florida Statutes 489.126, 489.127, 501.025, 627.7152, 713.015 and 817.234 as of 2025–26. It is not legal advice, and it cannot verify your licence, permit, or insurance status for you. The free tool can read the actual contract you signed, line by line, and show you which clauses match these rules and which lines are worth raising with a professional — paste your document to see it in plain words, in English or Spanish.
Storm Contractor Contract Check FL is an informational tool based on Florida Statutes 489.126, 489.127, 501.025, 627.7152, 713.015 and 817.234 as of 2025–26. It is not legal advice, cannot verify licences, permits or insurance, and does not cancel contracts. Verify every licence at myfloridalicense.com and report fraud to the Florida DFS or DBPR. It is not affiliated with any contractor, insurer or agency.