Quick Summary
- A Florida home inspection is a crucial step before closing on a home, especially in a climate where moisture, wind, and roofing matter.
- Inspectors check structural components, roof, HVAC, plumbing, and electrical systems.
- Florida buyers should look for wind mitigation, flood risk signs, and termite damage.
- The inspection isn’t pass/fail; it’s your tool to negotiate or walk away.
- Being present for the inspection gives you context that photos alone can’t offer.
So your offer was accepted. Now what?
One of the most important steps in buying a home in Florida is the home inspection. It’s not just a formality; it’s your chance to make sure you know what you’re buying.
What Is a Florida Home Inspection?
A home inspection is a visual review of the property’s structure and major systems, done by a licensed inspector.
It’s not a pass-or-fail test. It’s an independent assessment to protect you from surprises after move-in.
What Do Florida Home Inspectors Check?
Expect a full top-to-bottom review of the following:
- Roof condition (critical in Florida’s climate)
- HVAC system (function + age)
- Electrical panel and wiring
- Plumbing fixtures and visible leaks
- Water heater and appliances
- Windows, doors, and insulation
- Visible structural issues (walls, foundation, ceilings)
- Attic, crawl space, and any signs of water intrusion or mold
Florida-Specific Considerations
Living in the Sunshine State means some extra things to look for:
- Wind mitigation features (roof tie-downs, shutters, impact windows)
- Termite and pest damage
- Signs of flood damage or moisture issues
- Proper drainage and grading around the home
Should You Be There for the Inspection?
Yes, if you can, attend. You’ll learn more seeing issues in person and can ask the inspector questions directly.
It’s also easier to understand the report later if you’ve seen the context.
How Long Does It Take and What’s the Cost?
Most home inspections in Florida take 2–3 hours and cost between $350 and $600, depending on the size of the home.
Additional inspections (termite, mold, 4-point, wind mitigation) may cost extra but are often recommended.
What Happens After the Inspection?
You’ll receive a detailed report within 24–48 hours. It lists any concerns found and may include photos and repair recommendations.
From there, you can:
- Request the seller fix issues or provide credit
- Accept the property as-is
- Back out, depending on your inspection contingency
Common Red Flags in Florida Homes
- Old roofs (especially without wind mitigation features)
- Electrical panels known to be problematic (like Zinsco or Federal Pacific)
- Signs of moisture intrusion or mold, especially in attics or block walls
- DIY or unpermitted renovations
Don’t Skip This Step
In Florida, the sun shines, but so do hidden home issues.
A thorough inspection gives you leverage, peace of mind, and a clearer picture of what you’re walking into.
Frequently Asked Questions
Can a Florida home inspection fail?
No. An inspection isn’t pass/fail; it’s a report for your benefit. You decide how to proceed based on the findings.
Do sellers have to fix what’s found?
Not always. You can request repairs or credits, but sellers aren’t obligated unless it violates the contract or local law.
Is a 4-point inspection the same as a home inspection?
No. A 4-point is for insurance and only covers roof, HVAC, plumbing, and electrical. It’s not as detailed.
Can I use the inspection report to negotiate?
Absolutely. If issues are found, you can use them to renegotiate price, request repairs, or ask for closing credits.
One Step Closer to Closing
Every box checked on your Florida home inspection gets you closer to closing with confidence.
Want help navigating the inspection process or need a trusted inspector in your area? Let’s connect.
