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STEARNS CUSTOM BUILDERS INC

Expansion Dealers · Vendors · Manufacturers Loan Brokers · Lenders · Tools Education &amp · Land Loans USDA Rural Development Loans Business &amp · convenient access · and so have we.&nbsp · fee-free ATMs · online banking · hardworking roots to a forward-thinking outlook · customer success guides all we do. Log In Customer Service Locations &amp · ATMs Careers ©2026 Stearns Financial Services · Inc. · Member FDIC. Equal Housing Lender Privacy &amp · Security Policies &amp · Agreements

ST. JAMES CITY, FL 33956

Services

Expansion Dealers
Vendors
Manufacturers Loan Brokers
Lenders
Tools Education &amp
Land Loans USDA Rural Development Loans Business &amp
convenient access
and so have we.&nbsp
fee-free ATMs
online banking
hardworking roots to a forward-thinking outlook
customer success guides all we do. Log In Customer Service Locations &amp
ATMs Careers ©2026 Stearns Financial Services
Inc.
Member FDIC. Equal Housing Lender Privacy &amp
Security Policies &amp
Learn more
Agreements

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Contractor and licensing FAQs

  • How do I verify a contractor is licensed?

    Start by asking the contractor directly for their license number and the issuing authority. Licensing is trade-specific: plumbers and HVAC mechanics are typically licensed through your state's plumbing and mechanical systems licensing board; electrical contractors are licensed through your state's electrical licensing authority; general construction contractors register with your state licensing board. You can look up license status online through your state's professional licensing bureau online or through your state's contractor registration database. Before any work begins, also ask for a current certificate of general liability insurance and workers' compensation coverage. Confirm the coverage limits are adequate for your project—at minimum $1 million in general liability. EdgeLocal profiles include ratings and direct contact info, but license verification must be confirmed directly with the contractor and the relevant state agency.

  • Should I get multiple quotes from contractors?

    Yes—always get at least two or three quotes before hiring any contractor for significant work. Multiple quotes let you compare price, scope, materials, and timeline, and help you spot outliers: a quote significantly lower than others may indicate missing scope or cut corners, while a much higher quote may not be justified. When collecting quotes, give each contractor a clear description of the project so you can make accurate comparisons. Ask each to break out labor and materials separately when possible, and confirm what's included: demolition, permits, materials, cleanup, and warranty. Ask for estimated start dates and project duration as well. Use EdgeLocal to quickly find several rated contractors in your area so you can start the quote process without extensive additional research.

Contact

Address

5180 DOUG TAYLOR CIRCLE

ST. JAMES CITY, FL 33956

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