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Verified Florida Contractors for HOA & COA Repairs

Finding a reliable, licensed Florida contractor who understands HOA and COA board processes is one of the hardest parts of post-hurricane recovery. Here's how to find one — and who we recommend vetting.

How to Use This Resource

This page does not endorse specific contractors. Instead, it points you to Florida resources where you can find licensed, vetted contractors with HOA/COA experience. Always verify licenses independently and obtain at least 3 estimates.

Florida Resources for Finding Contractors

DRCA — Disaster Relief Contractors of America

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National organization of vetted contractors specializing in disaster recovery. Members are screened for licensing, insurance, and experience with insurance claims.

Florida Home Builder's Association (FHBA)

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State-level trade association. Search member directory for contractors in your area.

BBB Accredited Contractors

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Better Business Bureau listings include complaint history and accreditation status. Filter for contractors with A+ ratings in your county.

Florida Chamber of Commerce Members

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Local chamber members include established contractors with community ties — harder for storm-chasers to infiltrate.

Questions to Ask Any Contractor You're Considering

Before adding any contractor to your bid list, ask these questions:

1.Do you have experience working with HOA or COA boards? Can I speak with 3 references?
2.What is your Florida contractor license number? (Verify at myfloridalicense.com)
3.Do you carry General Liability, Workers' Comp, and Builders Risk insurance?
4.Will you provide a CSI-formatted, line-item estimate?
5.Who will supervise the job daily?
6.What is your payment schedule? (No more than 10–15% down is standard)
7.Do you use subcontractors? If so, how do you vet and manage them?
8.Are you familiar with Florida Building Code post-Hurricane Ian requirements?
9.Have you worked with insurance claim documentation before?
10.What warranty do you provide on labor?

Red Flags — Do Not Hire

✗No Florida contractor license (or won't show it)
✗Asks for full payment upfront
✗Knocks on your door unsolicited after the storm
✗Only a mobile phone number and no physical address
✗Pressure tactics — 'sign today or the price goes up'
✗Cash discount offered (insurance fraud signal)
✗No subcontractors list or workers comp certificate
✗Won't provide a written, detailed estimate

Get a second opinion before signing

Even verified contractors can submit estimates with inflated pricing. EstimateVerify reviews any contractor estimate line-by-line before you sign.

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