08/25/2026
If a roofing contractor asks you to pull the permit yourself, stop the conversation.
Florida law has an owner-builder exemption. It lets you act as your own contractor on your own home without a license. It exists for people who genuinely do their own work, and it is written into Florida Statute 489.103(7).
The statute also includes a disclosure statement the permit office has to hand you. Item 7 on that form says something worth reading twice. It states that it is a frequent practice of unlicensed persons to have the property owner obtain an owner-builder permit that erroneously implies the owner is providing his or her own labor and materials.
The state put a warning about this scheme inside its own form. That tells you how common it is.
What actually changes when your name goes on that permit:
You become the responsible party of record, not the contractor If an uninsured worker gets hurt on your roof, you may be liable, and your homeowner's policy may not cover it Anyone unlicensed working there must legally be your employee, which means withholding, F**A, and workers' comp If the permit gets pulled improperly, the building department can revoke it and withhold final approval
Item 3 of that same disclosure spells out the alternative in plain language. It says you may protect yourself from financial risk by hiring a licensed contractor and having the permit filed in that contractor's name instead of your own.
So the question to ask any roofer, ours included, is simple. Whose name goes on the permit, and can I see the license number it is pulled under?
A licensed roofer answers that instantly. Anyone who hesitates just told you something.
You can verify any Florida license yourself at myfloridalicense.com. Ours is CCC1334737.
Call (239) 241-7040
https://superiorbuiltroofing.com