Florida Notice to Owner (NTO): The Complete 2026 Guide for Contractors and Subs

Florida Notice to Owner NTO contractor serving notice at job site

If you’re working on a construction project in Florida and don’t have a direct contract with the property owner, Florida law may require you to serve a Notice to Owner (NTO) to preserve your right to file a lien. This requirement, found in Florida Statutes Chapter 713, is strict: missing the deadline or serving it improperly can eliminate your ability to enforce payment—even if the owner knows you’re involved in the project.

Common Mistakes That Invalidate a Construction Lien in Florida

Florida contractor discovering an invalid construction lien due to a filing mistake under Chapter 713

Avoid costly errors when filing a construction lien in Florida. This guide explains the most common mistakes under Chapter 713 and how to protect your payment rights.