You do not necessarily have to have a Contractor, if you own and occupy the house. Florida statutes allow the owner of real property to act as their own contractor. This exemption may only be used if you own and occupy the home. As an owner builder, if you do not complete all of the work yourself, you must supervise the work, and hire licensed trade subcontractors (Electrical, Plumbing, HVAC, and Roofing, etc.) in accordance with state law. You will also need to sign and submit an Owner/ Builder Affidavit form as part of your permit submittal process.