Can I Build My Own House in Florida? Costs & Considerations
Building your house can be a great way to reduce costs while acquiring the home that you have always wanted. However, each state has a unique set of guidelines in place regarding how you must construct a house and which licenses are required. Many people wonder if they can build their own house in Florida, and while the answer is yes, we recommend choosing a professional to do it. If you would like to learn all the facts before making a final decision, keep reading as we cover the laws, costs, and other considerations.
Building a House in Florida
Florida policy requires that a licensed contractor perform all construction work. However, several exemptions apply, and Florida statute 489.103 outlines them, so it’s important to read this document carefully. Let’s take a closer look at a few of the things that it says:
Applying for a License Exemption
If you want to be exempt from needing a contractor’s license to build your home, you must sign the building permit application in person. You must also prove that you completely understand the owner’s obligations under the law. Here are a few of the things that you must know:
Are There Any Reasons That I Shouldn’t Build My Home?
Unfortunately, there are several reasons that you might want to consider hiring a licensed contractor to do the work for you. The biggest reason is that you are financially responsible for any injuries that might occur. Even if your home insurance covers an accident, assuming liability is extremely risky.
Another problem is that it’s unlikely that you will have the same knowledge as a licensing contractor. DIY builders also often lack the skills to estimate the cost of building and materials, which increases the risk of going over the $75,000 limit. They also usually lack the experience required to coordinate a project, manage several people, and fully understand the laws that can affect the project.
We recommend taking a few extra days to consider alternatives to building your own home. Finding other people who attempted a building project and asking about their experience can be helpful. Read over the laws of Florida policy and the Federal Insurance Contributions Act to ensure that you understand everything and can comply. If these issues don’t bother you, applying for a permit is not difficult, and you can build your dream home in Florida.
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