Central Florida buyers should treat insurance as a due-diligence item, not an afterthought. Carriers scrutinize roof age, construction type, prior claims, and wind-mitigation features before binding coverage.
Get quotes before you waive contingencies
Ask your insurance agent for a preliminary quote using the property address and year built. If the home is older or has an aging roof, confirm whether carriers will bind at all — and at what premium.
Wind mitigation matters
A current wind-mitigation inspection documents hurricane-resistant features (roof deck attachment, opening protection, roof shape). Credits can reduce premiums significantly. Request the seller's existing report or budget for a new inspection during due diligence.
Roof age & 4-point inspections
- Many carriers limit coverage on roofs older than 15–20 years.
- 4-point inspections (roof, HVAC, electrical, plumbing) are common on older homes.
- Replacement cost vs. actual cash value affects your out-of-pocket after a claim.
HOA & flood considerations
Condo master policies and special assessments can affect your total cost. Flood insurance is separate from homeowners — check FEMA flood maps even if the seller says they have never flooded.
Need help building a full due-diligence plan?
Talk to Patrick before you write an offer, or read our May 2026 Market Pulse for regional pricing context.