Checking a Florida contractor starts with the scope of work. Some legitimate painters, epoxy-floor installers, tile setters, paver installers and other surface trades may have no DBPR construction-license number because their particular scope does not require one, while roofing, structural, pool, plumbing and other regulated work can. Verify the credential that actually applies instead of treating “licensed and insured” as a universal yes/no test.
1. Identify the Actual Scope
Florida Statute 489.117 specifically includes painting, flooring, driveway installation, decorative stone/tile work, plastering, pressure washing, stuccoing and caulking among examples of scopes local governments generally may not license when they do not substantially correspond to a regulated contractor category. That does not make adjacent regulated work unlicensed. Use the Florida Surface-Job Licensing & Permit Matrix to identify the boundary before deciding what credential to search for.
2. Verify Any License That Is Claimed or Required
Florida DBPR provides an official license-verification portal searchable by name, license number, city/county and license type. Check that the license is active and that the name/business presented to you corresponds to the record. Do not treat a license number printed on a truck or proposal as verification by itself.
3. Check Workers’ Compensation Status
The Florida Department of Financial Services provides a Workers’ Compensation Proof of Coverage search and an exemption search. Its contractor guidance specifically recommends verifying coverage rather than relying only on a verbal assurance. General liability insurance is separate; request the certificate and verify important coverage details with the producer or carrier when appropriate.
4. Verify the Business and the Crew
- Who is signing the contract?
- Who will supervise the job?
- Are subcontractors used?
- Who is responsible for overspray, property damage and cleanup?
- Can the contractor provide recent projects using the same product system and substrate?
- Will the exact products remain on the proposal and final documentation?
5. Match Credentials to the Work
A strong resume in house painting does not automatically establish competence in liquid-applied roofing, polyaspartic floor systems, paver sealing or stucco repair. Ask for references that match the actual work. Specialty systems often fail for reasons that have little to do with ordinary decorative painting.