# Can You Pay Twice for a Pool Remodel in Florida?

> Under Florida's lien law you can pay your contractor in full and still face a claim on your home. The warning is in your contract, and there are three protections.

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# Can you pay twice for a pool remodel in Florida?
Yes, and the law that allows it also requires somebody to warn you about it in writing before you sign. If a contractor is paid and does not pay the people who supplied the tile or poured the deck, those companies can pursue a claim against your property even though your own account is settled and you never met them. Florida puts that warning in your contract, in capitals, and asks you to sign it. Most people sign without reading it. This is what it says and what you can do about it.
**Clayton Waggoner**, Owner and Managing Member · Published September 3, 2026 · 14 min read

In this article
Florida's construction lien law lets people who work on your property or supply materials, and are not paid in full, enforce a claim for payment against your property. The statute requires that warning to appear in any direct contract with an owner greater than $2,500, printed in no less than 12-point, capitalized, boldfaced type on the front page of the contract or on a separate page, signed by the owner and dated (Florida Statutes, 2024) [1](#ref-1). The practical protections are releases of lien given in exchange for payment (Florida Statutes, 2024) [3](#ref-3) and the contractor's final payment affidavit (Florida Statutes, 2024) [2](#ref-2).
The short version
I. Paying your contractor in full does not by itself end the matter. The lien law lets those who worked on your property or supplied materials and were not paid in full enforce a claim against your property (Florida Statutes, 2024) [1](#ref-1).
II. The warning is already in your contract. Fla. Stat. 713.015 requires it in contracts greater than $2,500, in no less than 12-point, capitalized, boldfaced type, signed by the owner and dated (Florida Statutes, 2024) [1](#ref-1).
III. A Notice to Owner is routine paperwork, not an accusation. It must be served before work begins or within 45 days of starting, and it identifies the sender, the property and what they are supplying (Florida Statutes, 2024) [2](#ref-2).
IV. Releases are the protection, and they cannot be taken in advance. A right to claim a lien may not be waived in advance, and any advance waiver is unenforceable (Florida Statutes, 2024) [3](#ref-3), so a release is exchanged for a payment already made.
V. Before the last check, ask for the affidavit. The owner shall retain the final payment until the contractor's affidavit has been furnished (Florida Statutes, 2024) [2](#ref-2).

I.

## What does Florida's construction lien law actually allow?
A claim against your home by somebody you never hired. The statute's own warning says that under the lien law, those who work on your property or provide materials and services and are not paid in full have a right to enforce their claim for payment against your property (Florida Statutes, 2024) [1](#ref-1).
The mechanism is worth understanding before the emotion of it. On a pool remodel there may be a tile supplier, a plaster crew, an equipment distributor and a paver yard, none of whom have any contract with you. Their contract is with your contractor.
If your contractor is paid and does not pass that money on, the unpaid party's remedy is not limited to chasing the contractor. Florida gives them a route to your property, which is the asset that actually improved.
That is what the capitalized notice in your contract is describing. Its opening line states that according to Florida's construction lien law, sections 713.001 to 713.37, those who work on your property or provide materials and services and are not paid in full have a right to enforce their claim for payment against your property (Florida Statutes, 2024) [1](#ref-1).
This is not a Florida peculiarity in principle, since most states have lien statutes. What is specific here is the detail of the procedure, the deadlines, and the fact that the legislature considered the risk serious enough to make the warning a formal requirement of the contract itself.
Two things this post is not. It is not a suggestion that this happens often, because on a well-run job it does not. And it is not legal advice. If a lien has been recorded against your property, that is a matter for a construction attorney today rather than for a web page.
II.

## Why is that warning printed in your own contract?
Because the statute requires it. In a direct contract with an owner greater than $2,500, the notice must be printed in no less than 12-point, capitalized, boldfaced type on the front page of the contract or on a separate page, signed by the owner and dated (Florida Statutes, 2024) [1](#ref-1).
Read those requirements as a set, because each one is doing a job. Twelve point minimum so it cannot be shrunk. Capitalized and boldfaced so it cannot be buried in body copy. Front page, or its own page. Signed and dated by you specifically.
That is the legislature anticipating exactly what happens with disclosures, which is that they get made small and put at the back. The signature requirement means somebody has to physically acknowledge it.
The threshold is contracts greater than $2,500 (Florida Statutes, 2024) [1](#ref-1), which means essentially any pool remodel is above the line. A single equipment replacement might not be; a resurfacing project will be.
So the first practical instruction of this whole post is unglamorous. Find that page in your contract and read it before you sign, rather than after something has gone wrong. You have almost certainly signed one before without doing so.
And if a contract for substantial work does not contain it at all, that absence is itself worth asking about, because it is a requirement rather than a courtesy.
III.

## Why did you get a Notice to Owner from a company you never hired?
Because that is how a supplier or subcontractor preserves its position, and it is routine rather than an accusation. The notice must be served before commencing, or not later than 45 days after commencing, to furnish labor, services or materials (Florida Statutes, 2024) [2](#ref-2).
These arrive in the mail, look official and alarming, and are usually nothing more than housekeeping. A company you have never spoken to writes to tell you it is supplying something to your job.
The statute sets out what the notice contains: the lienor's name and address, a description sufficient for identification of the real property, and the nature of the services or materials furnished or to be furnished (Florida Statutes, 2024) [2](#ref-2). That is an identification document rather than a demand.
The timing is the part worth knowing. It must be served before the sender begins, or within 45 days of beginning to furnish their labor, services or materials (Florida Statutes, 2024) [2](#ref-2). So a cluster of these early in a project is the system working normally.
The statute also notes that serving the notice does not give the lienor who served it any priority over other lienors in the same category (Florida Statutes, 2024) [2](#ref-2). Sending one is not a way of jumping a queue.
What a Notice to Owner is genuinely useful for is your own record keeping. Keep every one. Together they tell you who is expecting to be paid out of the money you are handing your contractor, and that list is exactly what the next two sections are about.
IV.

## What protects you at each payment along the way?
A release of lien, exchanged for the payment rather than promised in advance. Florida is explicit that a right to claim a lien may not be waived in advance and that any advance waiver is unenforceable (Florida Statutes, 2024) [3](#ref-3).
That last rule is the one that shapes everything else. You cannot protect yourself by having everybody sign away their lien rights at the start of the job, and a contract clause attempting it does not work.
What works is sequencing. Each time a payment is made, the party receiving it gives a release covering the work and materials that payment covers. The statute provides forms for both situations: a release upon progress payment, which releases liens through a stated date and excludes retention and anything furnished after that date, and a release upon final payment, which is not date-limited in the same way (Florida Statutes, 2024) [3](#ref-3).
The distinction matters more than it looks. A progress release signed as though it were a final release gives away more than the payment covers, which is why the statute prescribes separate forms rather than leaving the wording to whoever drafted the paperwork.
There is a protection for the other side too, and it is worth knowing so you understand why a supplier may push back on unusual paperwork. A person may not require a lienor to furnish a waiver or release that differs from the statutory forms (Florida Statutes, 2024) [3](#ref-3).
Practically: ask for releases as you go, from the parties who sent you a Notice to Owner, matched to each payment. It is an ordinary request on a well-run job and a revealing one on a badly run job.
V.

## What protects you at the final payment?
The contractor's final payment affidavit, and your right to hold the last payment until you have it. The owner shall retain the final payment due under the direct contract, and it is not to be disbursed until the contractor's affidavit has been furnished (Florida Statutes, 2024) [2](#ref-2).
This is the single most useful sentence in the whole chapter for a homeowner, and almost nobody uses it.
The statute provides that the owner may require, and in that event the contractor shall furnish as a prerequisite to being paid, an affidavit in the prescribed form (Florida Statutes, 2024) [2](#ref-2). It is your entitlement to ask, and the contractor's obligation to provide.
The affidavit is where the contractor states the position on who has been paid and what, if anything, remains owing to others. It converts a verbal assurance into a document with the contractor's name on it.
And the retention provision gives it teeth: final payment is to be retained and not disbursed until that affidavit has been furnished (Florida Statutes, 2024) [2](#ref-2). You are still holding the money at exactly the moment the document matters, which is before the last payment leaves your account.
We are a pool contractor telling you to withhold our final payment until we have given you a document. That is the correct order of operations, it is what the statute contemplates, and any contractor who objects to being asked has told you something.
VI.

## What does the law require after you pay a deposit?
Two deadlines, both triggered by the size of the initial payment. A contractor who receives more than 10 percent of the contract price as initial payment must apply for the necessary permits within 30 days and start work within 90 days of the permits being issued (Florida Statutes, 2024) [4](#ref-4).
This is a separate statute from the lien law and it addresses a different fear: money handed over and nothing happening.
The trigger is an initial payment totaling more than 10 percent of the contract price (Florida Statutes, 2024) [4](#ref-4). Above that line, two clocks start. Permits must be applied for within 30 days after the date payment is made, and work must start within 90 days after all necessary permits are issued (Florida Statutes, 2024) [4](#ref-4).
Note how the second clock is defined, because it is fairer than people assume. The 90 days runs from permit issuance rather than from your payment, which reflects the fact that a contractor does not control how long a county takes. Our own account of that process is in [how long a pool remodel takes in Collier County](https://www.splashpoolsllc.com/blog/how-long-pool-remodel-takes-collier-county/).
The statute treats failure seriously. Violations are graded by the amount involved, running from a misdemeanor of the first degree at the lowest level through felony classifications as the sums rise (Florida Statutes, 2024) [4](#ref-4).
The useful version for a homeowner is a question rather than a threat: ask when the permit application will be filed, and get the answer in the contract. A contractor working properly has already planned it.
VII.

## What should you settle before you sign anything?
Five things, and not one of them requires a lawyer to ask for: read the lien warning already printed in your contract, agree the payment schedule in writing, keep every Notice to Owner that arrives, ask for releases matched to each payment, and confirm the final affidavit before the last payment goes out.
Read the notice page in the contract first. It is required to be conspicuous for a reason, and it takes two minutes (Florida Statutes, 2024) [1](#ref-1).
Agree the payment schedule in writing, including what triggers each stage. Tie the deposit to the permit application date so the 30-day requirement is not an abstraction (Florida Statutes, 2024) [4](#ref-4).
Keep every Notice to Owner in one place. They are not bad news, and collectively they are your list of who is expecting to be paid from the money you hand over.
Ask for releases matched to each payment, using the statutory forms rather than something improvised (Florida Statutes, 2024) [3](#ref-3), and remember that a release taken before payment does not do what it appears to do.
Then hold the final payment until the affidavit is in your hands (Florida Statutes, 2024) [2](#ref-2). And if any of this becomes contested rather than procedural, that is the point to call a construction attorney rather than to keep reading. This page explains the statutes; it does not advise on your contract. The same principle runs through [verifying a contractor's license](https://www.splashpoolsllc.com/blog/check-florida-pool-contractor-license-collier-county/) and [what a home inspection covers](https://www.splashpoolsllc.com/blog/home-inspection-swimming-pool-naples/): the checkable facts are public, and you are entitled to them before you commit.
Ours are on the [about page](https://www.splashpoolsllc.com/about/), including the license number and who is on site. Where the work is scoped and contracted as one job, which is how [pool remodeling](https://www.splashpoolsllc.com/pool-remodeling-naples/) is handled here, there are fewer separate suppliers able to claim in the first place.

"We are a pool contractor telling you to withhold our final payment until we have handed you a document. That is the order the statute contemplates, and a contractor who objects to being asked has told you something."

Ask Clayton

## Questions this article usually prompts
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** **Clayton Waggoner** *Owner and Managing Member · Splash Pools* Online
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References

- [Florida Statutes, Title XL, Chapter 713, Section 713.015: Mandatory contract provisions; notice of construction lien law, 2024](https://www.flsenate.gov/laws/statutes/2024/713.015)
- [Florida Statutes, Title XL, Chapter 713, Section 713.06: Liens of persons not in privity; Notice to Owner; final payment affidavit, 2024](https://www.flsenate.gov/laws/statutes/2024/713.06)
- [Florida Statutes, Title XL, Chapter 713, Section 713.20: Waiver or release of liens, 2024](https://www.flsenate.gov/laws/statutes/2024/713.20)
- [Florida Statutes, Title XXXII, Chapter 489, Section 489.126: Moneys received by contractors, 2024](https://www.flsenate.gov/laws/statutes/2024/489.126)
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