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Florida’s Notice to Owner Requirement

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Florida Notice to Owner (NTO)
Editor’s Note: This article was originally published in 2012 and was completely updated with new information in September 2018. 

Generally speaking, when working on a private construction project in Florida, you must deliver a “Notice To Owner” to preserve your mechanics lien rights. Like any law, there are exceptions. This post reviews the notice to owner rule, the exceptions, and some best practices for your construction company, whether you’re a contractor, material supplier, or something else.

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Download a blank Florida Notice to Owner template which includes a 1-pg Lien &  Notice Fact Sheet

Florida’s Notice to Owner Requirement

Many states have preliminary notice requirements, and they go by various names. In Florida, the preliminary notice is referred to as the “Notice to Owner” or “NTO,” and sending an NTO is required in order to maintain your lien rights on a Florida-based construction project.


The short answer: Subcontractors and suppliers not contracted to the property owner.

The long answer: Any party (except wage laborers and design professionals) who does not have a direct contractual relationship with the property owner is required to serve a Notice to Owner. The Florida NTO must be sent to — wait for it the owner!  

The Payment Chain
What a typical payment chain might look like.

But, it’s common for contractors to overlook that the law requires it to be sent “up the chain” as well, meaning that you should send a copy of this notice to the owner, and to every party between you and the owner in the “payment chain” (see “The Payment Chain” illustration).

There may be another party aside from those up the hiring chain that may be required to receive the Notice to Owner in Florida. This party is the owner designee, or in other words, a person (or persons) that the property owner designates as a party to receive the preliminary notice in addition to themselves. Since the owner designee may be required to receive the notice, the owner is responsible for making that party known. The way the owner makes the Owner Designee known to the other parties on the construction project is by listing the designee on a Notice of Commencement.

Special requirement for Florida GCs:

On Florida construction projects, there is a unique notice requirement for the Prime Contractor (which can be the general contractor or the construction manager). If the property owner requests it, the prime contractor must provide a list of all of the subcontractors and suppliers working on the project within 10 days of the owner’s initial request.

Keep in mind:

  • Laborers and design professionals are not required to provide an NTO on Florida construction projects.
  • The owner may request that the GC provide a list of all subcontractors and suppliers contracted with the GC. The GC must provide this list to the owner within 10 days of the request. This list is not the same as an NTO, but it is still an important part of the lien law statute in Florida.

Further Reading – Notice of Commencement

Notice of Commencement Requirements in Florida and Georgia 


The short answer: Within 45 days (or before beginning work on a project).

The long answer: Florida requires that a Notice to Owner must be sent within 45 days of beginning work on a project, or before the project starts. Perhaps the most dangerous detail of Florida’s notice to owner rules is what courts consider to be the “first furnishing.” Since your notice to owner absolutely cannot be sent later than 45 days from first furnishing, the date that marks the “first furnishing” is a critical date.

The clock starts ticking when one of the following happens:

  • 1) 45 days from first furnishing services or materials,
  • 2) 45 days from when work begins on making specialty materials, or
  • 3) 45 days before the owner’s final payment to the prime contractor.

don't be late with a Florida NTO!In Florida, it’s okay to send an NTO early. Florida lien law clearly empowers parties to send preliminary notice as early as they want. But don’t make the mistake of sending your notice to owner late. While Florida’s lien law is clear with respect to sending notices early (it’s good — go ahead and send ’em in early!), the law is the exact opposite when it comes to late preliminary notices (not good — don’t you dare send your notices late!).

Keep in mind:

  • Failure to provide the preliminary notice within the statutorily mandated time frame is fatal to the lien claim in Florida.
  • It’s okay to send a Florida Notice to Owner early, even before commencing work on a project! The statute clearly empowers parties to send preliminary notice as early as they want.
  • The preliminary notice is considered delivered at the time of mailing only if the notice is sent within 40 days of first furnishing labor or materials, otherwise, the notice is considered served on the date of receipt.
  • BEST PRACTICE: Since you can’t send notice too early in Florida, and you can certainly file it too late, it’s a best practice for companies to get their notices out as early as possible.


The short answer: Send it certified mail.

The long answer: The notice must be delivered by certified mail or personal delivery, with evidence of delivery obtained. It’s important to not only deliver this notice, but to keep evidence of the delivery so you can later prove compliance with the requirement.

Keep in mind:

  • If the NTO is sent improperly or late, it will terminate any lien rights. 

Exceptions to Florida’s Notice to Owner Requirement

Rules always have exceptions, and folks are always looking for these exceptions. After all, if an exception to the Notice to Owner applies, it may save your company money in having to comply with the requirement, and it may also save your company’s lien rights if it forgot to send the notice.

Exception 1: You Contract With The Owner (Or Some Variation Thereof)

The primary exception to Florida’s Notice to Owner requirement is when you contract directly with the property owner.

This exception appears obvious at first blush, but it’s more complicated than that. Contracting with the owner includes direct contract with the actual property owner, but also includes contracting with the owner’s “agent” or with a general contractor who shares a “corporate identity” with the owner.

This exception is usually straight-forward, but there are some hairy situations that arise when the relationship between the owner and the general contractor is a little too close to disregard the possibility that the GC is the agent of the owner. It’s hard to rely on this exception, however, because it will all boil down to a judge’s later determination.

Exception 2: Laborers, Professionals & Site Workers

Laborers are the most protected class of mechanics lien claimants across the nation, and it’s no different in Florida, where they are excused from delivering an NTO. To qualify as a laborer, you must be performing labor at the site only, and not providing any materials.

Professionals are also excused from sending a Notice to Owner.  These “professionals” include architects, engineers, land surveyors, mappers and landscape architects.

Finally, “site work” type of work gets a pass on the Florida Notice to Owner too. This is work done to the job site itself to make the site suitable for building, which includes site work, excavating and similar services.

Best Practice Is to Always Send the NTO

While the Florida NTO requirement does have some exceptions, it’s never a bad idea to send the notice. The exceptions cited above are all ambiguous at times and can come down to a decision from a judge. This means your mechanics lien rights would be up in the air while the particular issue gets litigated, which would cost you time and money. The easy solution is to always err on the side of caution and always send your Notice to Owner.

Good Ideas when Sending the Florida Notice to Owner

Thumbs Up - Good Lien and Notice PracticeA. Documenting search:

It’s a good idea to clearly document your search through the public records.  Document not only the information you found but also the information that you did not find.  If you searched for a notice of commencement and couldn’t find it, document that you did so and that the information was not available in the records. If you find something, store what you found exactly so you can refer to it later when asked to prove your substantial compliance.

B: Send A Notice With the Information You Have:

In all of the Florida cases finding “substantial compliance” with the Notice to Owner requirement, the sending party had sent something of a notice.  It is simply unacceptable to send nothing at all or even to send anything late.  It’s a big, big, big mistake to hold off on sending the Notice to Owner while you go scouring around the world and through your contacts looking for unidentified parties.  Look in the public records, find what is there, and then send the notice.  Period.

C: Make A Formal Request For Corrective Information in the Notice:

In all likelihood, you’ll have at least some of the information correct in the Notice to Owner.  You’ll likely be able to find at least an ownership record, or maybe you simply know the identity of your customer. In any event, send the notice out to the parties you know and include a mechanism for those parties to provide corrective or missing information. In fact, formally demand it of them. Cite the area of law that requires they provide this information.

Bad Ideas when Sending the Florida Notice To Owner

Thumbs Down - Bad Lien and Notice PracticeA. Holding Off On Sending Notice:

We alluded to this bad idea above. It’s a very bad idea to sit on a Notice to Owner while you look for missing information. It is not your obligation to find the missing information. Subcontractors and suppliers clearly have the legal right to rely on the available public records. Accordingly, you will find much harsher punishment in the delay on sending an incomplete notice than you will find in the incompleteness itself.

B: Calling Your Customer or Other Contacts To Get More Information:

The problems with calling customers to get more information were discussed in the article “Why Requests for Information Are Better Than A Third Party Calling Your Customers.” In sum, however, calling around to get more information:

  • (i) Is not reliable;
  • (ii) Is not well documented;
  • (iii) Results in unnecessary delays;
  • (iv) Costs too much;
  • (v) Frequently results in inaccurate information;
  • (vi) Angers customers and aggravates everyone; and
  • (vi) Ultimately, isn’t even remotely required by the law.

Florida Construction Payment Resources

Are you in the construction business in the Sunshine State? No matter whether you’re a general contractor, a material supplier, or something else entirely, a great place for you to get lots of helpful construction payment information and resources is on the Florida Resources page on the zlien website.

If you’re looking for information about how to file a mechanics lien, then you should definitely read this post: Mechanics Lien Florida: How to File a FL Mechanics Lien.

Information about lien waivers including free lien waiver forms is available here: Florida Lien Waivers Forms and Guide.

And last but not least, you can always talk to us. Click the button below to schedule a time to speak to a zlien Construction Payment Expert. We’re here to help you get paid.

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Florida's Notice to Owner Requirement for FL Contractors and Suppliers
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Florida's Notice to Owner Requirement for FL Contractors and Suppliers
An overview of Florida's Notice to Owner requirement which is essential info for the FL construction industry. Link to a free Notice to Owner (NTO) template and guide.
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Last Updated on Dec 13, 2018
Published on Sep 21, 2018


A husband, dad, & entrepreneur in New Orleans, Scott founded zlien to even the $1 trillion construction playing field and make payments easier, faster, and more predictable. zlien is used by thousands of contractors and suppliers nationwide to make payments easier on billions in contract value each year. Scott is a licensed attorney who previously practiced construction law. Recognized by New Orleans City Business as an “Innovator of the Year” and part of their “Leadership in Law Hall of Fame,” Scott has been on the Silicon Bayou 100 list every year since 2014, is a winner of Idea Village & Jim Coulter’s IDEAPitch, is the ACG’s reigning Emerging Growth Company, and a Junior Achievement Rising Star.

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