Florida's subtropical climate creates unique challenges for home inspections. High humidity, hurricane exposure, and sandy soils mean inspectors here focus on issues rarely seen in northern states. Whether you're buying in Jacksonville, Tampa, or Miami, understanding Florida's specific concerns helps you make sense of your inspection report.
The Florida Building Code is one of the strictest in the nation, especially regarding wind resistance. Homes built after 2002 must meet enhanced hurricane standards, but older homes often need retrofitting. Wind mitigation inspections have become standard for insurance purposes, and four-point inspections are required for homes over a certain age.
Termites are a year-round concern in Florida. Unlike northern states where cold winters slow termite activity, Florida's warm climate means these pests work 365 days a year. Subterranean termites and drywood termites both thrive here, and most Florida home buyers add a termite inspection to their standard home inspection.
Humidity creates its own set of problems. Mold growth, wood rot, and HVAC strain are common findings in Florida inspection reports. Air conditioning systems work harder and wear out faster in this climate, making HVAC condition a critical part of any Florida home inspection.
Common Florida Inspection Issues
- Hurricane and wind damage
- Humidity and mold growth
- Termite infestations
- Aging HVAC systems
- Stucco cracking
- Roof wear from UV exposure
- Foundation settling in sandy soil
Local Requirements: Florida Building Code (FBC), wind mitigation inspections for insurance, four-point inspections for older homes, licensed home inspector requirements