Florida Homeowners Allowed To Act As Their Own Contractors

Did you know that Florida homeowners are allowed to be their own contractors? So, if you live in Florida and are building or improving your primary residence or duplex, you might be able to skip the contractor fees completely. Of course, you should only do this if you know what you’re doing. Another stipulation is that the home or duplex has to be one that you occupy.

This really could save you a lot of money. Legally, you still have to apply for all of the proper permits. Plus, you obviously have to follow all of the other building code rules. The reason Florida homeowners have this right comes down to Florida State Statute 489.103(7). Check it out for all of the details.

Just a heads up, you will have to personally appear to handle all permitting. You also will have to be present personally for all inspections. You will have to show evidence that the place is insured too. So, don’t forget to grab that paperwork.

While you are starting the permit work, you’ll end up signing a statement saying that you understand all the obligations and rules under the law and specified in a disclosure statement the provide.

One more thing: If you decide to act as your own contractor in Florida, the work can’t exceed $75,000.


We specialize in real estate transactions along South Walton’s iconic 30A. We know the communities we focus on. So, if you’re buying a home in Grayton BeachPanama City BeachDestin, or any of the surrounding communities, we’d love to help you find the perfect place.

Call us at 850-213-3048 or get in touch with us online to let us know what you’re looking for. Our expert 30A real estate agents will start searching for your dream home right away.

On the other hand, if you’re moving your business or setting up shop along 30A, we can help you there too. As noted, we even carry a CCIM® designation reflecting our skill sets related to commercial and investment property.

Likewise, if you’re thinking about putting your home or commercial property on the market, we’d love to help.  Our agents offer decades of real estate experience, legal know-how and banking knowledge. We can offer selling tips, help you determine your property’s value, and much more. Consult with one of our real estate agents serving the greater South Walton County community today.

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