1. Engagement. Homeowner authorizes Roofing Labs ("Contractor") to perform roofing services at the Property described above, in accordance with the scope approved by Homeowner's insurance carrier and accepted in writing by Homeowner.
2. Direction to Pay / Co-Payee. Homeowner directs the insurance carrier to name both Homeowner and Contractor as co-payees on all insurance proceeds related to the loss, including ACV, depreciation, recoverable depreciation, supplements, and overhead and profit. No check may be negotiated without Homeowner's signature. This is not an Assignment of Benefits. Homeowner retains all rights to negotiate, settle, and direct the claim.
3. Price. Total price equals the insurer-approved Replacement Cost Value plus any homeowner-approved upgrades, less the deductible (paid by Homeowner directly). Florida law prohibits a contractor from absorbing, waiving, or rebating an insurance deductible (Fla. Stat. §817.234).
4. Right of Rescission. Homeowner may cancel this authorization, without penalty or obligation, within three (3) business days from the date signed, by delivering written notice to Roofing Labs at the contact information above.
5. Permits & Code. Contractor will pull all required permits, perform work to current Florida Building Code, and provide manufacturer/labor warranties as quoted.
6. Materials & Schedule. Work commences after permit issuance and material delivery, weather permitting. Color and material substitutions require Homeowner approval.
7. Payment Schedule. Initial insurance proceeds (ACV) are applied at material delivery. Final proceeds (recoverable depreciation, supplements) are applied at substantial completion. Deductible is due at completion unless otherwise agreed in writing.
8. Limited Lien Waiver. Upon receipt of all insurance proceeds and the deductible, Contractor will deliver a Florida-statutory release of lien for the Property.
9. Dispute Resolution. Any dispute will first be addressed through good-faith negotiation, then mediation in the Florida county where the Property is located, before litigation. Florida law governs this agreement.
10. Entire Agreement. This document, together with the insurer-approved scope and any written change orders signed by both parties, constitutes the entire agreement. Oral promises are not binding.
11. Electronic Signature. Homeowner agrees that an electronic signature captured below has the same legal force as a wet-ink signature under the Florida Electronic Signature Act and the federal E-SIGN Act.
