Flood zones, elevation and insurance: questions to ask early
In coastal Florida, insurance is part of the purchase decision, not an afterthought. These are the questions we encourage buyers to raise before an offer is final.
- Which flood zone is the property in, and is there an elevation certificate?
- What wind-mitigation features are documented (roof, openings, shutters or impact glass)?
- How old are the roof and major systems?
- For condominiums: what do recent building inspections and reserve studies show? Florida has introduced inspection and reserve requirements for many condominium buildings — ask the association for the reports.
Ask a licensed insurance agent for quotes on the specific address during your inspection period.
General information only; rules change, so confirm current requirements with qualified professionals.