Florida Contractor Appointments: Hurricanes, Insurance Rules, and Calling Laws

Florida's home improvement market runs on weather and insurance. Hurricane season shapes when homeowners buy roofs, windows, and shutters; insurance reforms shape how contractors can sell storm work; and the state's telemarketing law is among the strictest in the country. Add seasonal residents, condominiums, and HOAs, and appointment setting in Florida needs its own playbook.

This is general information, not legal advice. Florida's insurance and telemarketing laws change often; confirm current requirements with your attorney.

Licensing

Florida generally requires licensed contractors for roofing, general, building, and many specialty trades — either a statewide certified license through the Department of Business and Professional Regulation or a local registration. Show license numbers in advertising and contracts as required, and verify subcontractors' licenses.

Hurricane season shapes demand

The Atlantic hurricane season officially runs from June 1 through November 30.

• Before the season: hardening projects — impact windows and doors, roof upgrades, shutters — and replacing aging roofs before storms test them.
• After storms: urgent repairs, temporary protection, and insurance-related roofing work, with intense competition and strained capacity.
• Wind mitigation. Wind mitigation inspections document features such as roof-to-wall connections and opening protection, which may qualify homeowners for insurance discounts — a natural conversation for roofers and window contractors. Florida's state hardening program has offered inspections and matching grants in some periods; availability changes, so verify before mentioning it.

Insurance rules that changed the storm business

• Assignment of benefits. For residential property policies issued on or after January 1, 2023, Florida law generally prohibits assigning post-loss insurance benefits to contractors. Homeowners deal with their insurers directly.
• Claim solicitation. Florida restricts how contractors can encourage homeowners to file roof damage claims, including offering incentives to file.
• Deductibles. Offering to waive or pay a homeowner's deductible can violate Florida law.
• Public adjusting. Negotiating a claim on a homeowner's behalf requires a public adjuster license.

Calling and texting under the FTSA

The Florida Telephone Solicitation Act adds state rules on top of federal law:

• Telephone sales calls are generally limited to 8 a.m.–8 p.m. in the called person's time zone.
• No more than three calls about the same subject to the same person within 24 hours.
• Prior express written consent for telephone sales calls made with automated systems for selecting and dialing numbers or with prerecorded messages.
• 2023 amendments narrowed the autodialer definition and gave businesses a short window to stop texting after a consumer replies STOP before a lawsuit can be filed — but the FTSA remains heavily litigated.
• Florida maintains its own state do-not-call list.

Florida is also commonly cited as an all-party consent state for recording calls. See calling hours rules, call recording consent by state, and TCPA compliance for contractors.

Seasonal residents and second homes

Many Florida homeowners live part of the year elsewhere. Before booking, confirm the owner will be present (or who will represent them), the best way to reach them, and whether a property manager is involved. Their calendar decides when decisions get made.

Condos and HOAs

Condominium owners often don't control roofs or exterior walls — the association typically does. Many single-family communities require HOA approval for roofs, windows, colors, and screen enclosures. Qualify who controls the component you sell, and what approvals are needed, on the booking call.

Heat, humidity, and HVAC

Year-round cooling makes HVAC a constant need in Florida, with replacement demand peaking in the hottest months. Humidity control and indoor air quality are common talking points. See HVAC replacement leads.

Appointment setting tips for Florida

• Confirm the property type (single-family, townhome, condo) and who controls the component.
• Confirm owner presence for seasonal residents.
• Respect the 8 p.m. cutoff and the three-calls-in-24-hours limit.
• Get written consent before any automated calling or texting.
• Book hardening consultations before June, and keep capacity in reserve for post-storm demand.

For storm response in general, see storm season roofing leads; for a hail market comparison, see Texas roofing in hail season. RunsForYou books qualified roofing, window, and HVAC appointments — see our roofing leads page.