Florida Home Inspections: What Buyers Should Expect

Buying a Home in Florida? Here's What You Need to Know About Inspections

When you’re under contract on a home, one of the most important steps is the home inspection—and in Florida, inspections come with a few unique considerations.

Whether you’re a first-time buyer or relocating from another state, understanding how inspections work here helps you make smarter, safer decisions.

In this post, Michael Renick and Team Renick walk you through what’s included in a Florida home inspection, common issues found, and how we help you navigate this crucial stage of the buying process.

What’s Included in a Florida Home Inspection?

A standard Florida home inspection is a non-invasive visual evaluation of the property’s key systems and structure. Here’s what’s typically reviewed:

• Roof condition and age
• HVAC system (heating, ventilation, air conditioning)
• Electrical systems and wiring
• Plumbing (pipes, fixtures, water heaters)
• Windows, doors, and insulation
• Attic and visible insulation
• Appliances (if included in the sale)
• Foundation and structural elements
• Drainage, grading, gutters, and visible moisture issues

You’ll receive a full written report, usually with photos and condition notes, within 24–48 hours.

Unique Considerations for Florida Homes

1. Roof Age & Materials

Florida’s intense sun, rain, and hurricane winds mean roofs wear faster. Tile, shingle, and flat roofs each have different lifespans.

Most insurance carriers want roofs under 15–20 years old. Older roofs may require replacement or special insurance approvals.

2. Wind Mitigation Inspection

This add-on inspection checks for features that reduce wind damage during storms. It’s not required, but it can save you hundreds annually on insurance.

It looks at:

• Roof shape (hip vs. gable)
• Roof-to-wall connections (straps, clips)
• Roof deck materials and fastening
• Window and door protection (impact-rated glass or shutters)

Team Renick always recommends this inspection during Florida home purchases.

3. Four-Point Inspection

Often required by insurance companies for homes over 20 years old, this quick-check covers:

• Roof
• Electrical
• Plumbing
• HVAC

It’s separate from the main inspection—but can be bundled when scheduled early.

4. Pest (WDO) Inspection

Wood-destroying organisms (like termites) are a real threat in Florida. This separate inspection checks for:

• Termite damage or activity
• Wood rot
• Fungus and moisture problems

Most lenders require this for financing. Even if yours doesn’t, get it anyway—early detection can save you thousands.

Who Pays for the Home Inspection?

In Florida, the buyer typically pays for the inspection, which is usually done during the inspection contingency period (first 5–10 days after offer acceptance).

Costs range from:

• $300–$500 for standard inspections
• +$75–$150 each for wind mitigation, 4-point, or WDO

Team Renick coordinates inspections and helps you understand which ones are worth the cost based on the property type and age.

What Happens If the Inspection Finds Issues?

Step 1: Receive the Report

You’ll get a full written report detailing findings, severity levels, and repair suggestions.

Step 2: Discuss with Your Agent

We’ll review the report together and identify what’s:

• Normal wear and tear
• A safety or structural concern
• Potential deal-breakers

Step 3: Negotiate (If Needed)

If issues are found, Team Renick may:

• Request seller repairs
• Ask for a price reduction or closing credit
• Walk away (if the home isn’t the right fit)

Florida contracts allow flexibility here—but timing is key. We manage deadlines and paperwork to protect your deposit.

What Inspections DON’T Cover

A general home inspection doesn’t include:

• Pool/spa inspection (separate fee)
• Septic system inspection
• Mold testing (unless specifically requested)
• Code compliance or zoning issues
• Insurance quotes (but we guide you to the right experts)

If your home has a pool, well, or other specialty systems, Team Renick recommends bringing in appropriate inspectors during the contingency window.

Compliance & Ethical Oversight

All inspectors we refer:

• Are licensed in Florida
• Follow InterNACHI or ASHI standards of practice
• Are neutral third-party vendors (to comply with RESPA and avoid steering)

We protect your right to thorough, unbiased inspection data—and always act in your best interest.

Call to Action

Buying a home in Florida?
Let Team Renick walk you through every inspection with expert guidance, trusted vendors, and clear advice—so you feel 100% confident.

Contact us today for a free buyer consultation or to ask about how we coordinate inspections for out-of-state clients.