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Commonly Asked Questions about Notice to Owner Forms

Until payment requirements can be met, creditors may place liens on property to settle their debts. The homeowner is responsible for keeping track of and paying off all debts on time to avoid having liens placed on their home without their knowledge.
Consumers are required to receive a Notice to Owner warning about property liens. Anyone who helps improve property, but who is not paid like subcontractors, suppliers or workers, may place what is called a mechanics lien on the property.
A lien is valid for one year, unless a lienor files a lawsuit to enforce the lien prior to the expiration of the year. An owner has a right to file a Notice of Contest of Lien during the one-year period. Upon the filing of a Notice of Contest of Lien, a lienor must file a lawsuit to enforce the lien within 60 days.
Florida does not require general contractors (those with a direct contract with the property owner) to provide a preliminary notice in order to retain lien rights in Florida. However, they must provide list of all subs and suppliers within 10 days of request from the property owner.
Voluntary liens are created by a property owners choice, such as a mortgage or home equity loan. In contrast, involuntary liens are imposed on a property without the owners consent, often due to unpaid debts or legal obligations.
The notice must be served before commencing, or not later than 45 days after commencing, to furnish his or her labor, services, or materials, but, in any event, before the date of the owners disbursement of the final payment after the contractor has furnished the affidavit under subparagraph (3)(d)1.
Sending a correctly filled out Notice to Owner Florida form secures your right to get paid for labor and/or materials furnished to a construction project. By preparing your Notice to Owner (NTO) accurately and mailing your Notice to Owner (NTO) timely, you are securing your equity interest in the project.
State of Florida law requires that anyone who supplies labor, services or materials to a contractor on any construction job must send the owner of the construction project a Notice to Owner form to protect their rights to getting paid on the construction project.