Should Florida Buyers Get a Wind Mitigation Report?
Yes — a $75–$150 Florida wind mitigation report on form OIR-1802 can cut your wind premium 20%–60% and stays valid for five years.
Should You Waive the Home Inspection in Florida?
No — Florida’s climate brings roof, mold, and post-hurricane risk. Shorten the 10–15 day inspection window to compete instead of waiving the contingency.
How Does Earnest Money Work in Florida Real Estate?
Florida earnest money runs 1%–3% of purchase price in escrow. Cancel for a valid reason during inspection, financing, or appraisal and you get it back.
What Does Buying As-Is Mean in Florida?
Buying as-is in Florida means the seller won’t repair, but you keep your 15-day inspection right and they still owe disclosure of known defects.
What Do Buyers Need to Know About Appraisals?
Sarasota and Manatee buyers pay $450–$650 for an appraisal in 7–12 days. The FAR/BAR contingency lets you renegotiate or walk if value falls short.
Should You Buy a Florida Home with Septic?
Yes — septic is normal outside Sarasota and Manatee city limits. Order a full inspection, check age and pumping history; a healthy system runs 25–40 years.
What Do Florida Property Disclosures Cover?
Florida disclosures cover structural defects, roof damage, mold, unpermitted work, and pests — anything affecting value. Read them before inspection ends.
How Do You Read a Florida Purchase Contract?
Most Florida deals use the FAR/BAR AS IS contract. The 15-day inspection, financing contingency, and deposit structure are the lines that matter most.
Are Florida Home Warranties Worth It for Buyers?
A Florida home warranty can be worth it on older Sarasota or Manatee homes with aging HVAC, but limits and fees vary widely between providers.
What Should You Check in a Florida Home Walkthrough?
The Florida walkthrough is a verification step 24–48 hours before closing. Bring contract, inspection report, and repair addendums to confirm condition.
