Posts from August 2026
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31
Florida's New Flood Disclosure Laws: What Florida Buyers and Sellers Need to Know
Did you know that Florida's flood disclosure laws officially changed as of October 1, 2025? The new flood disclosure laws introduce additional disclosure requirements, covering responsibilities for sellers, real estate developers, and residential landlords.
Whether you're buying or selling, it's important to understand the latest disclosure laws. Our real estate agents have more on Florida's latest flood disclosure laws and how they could impact you.
Understanding Florida's Expanded Flood Disclosure Requirements
Official Flood Disclosure Statute
Florida Statute 689.302 covers "disclosure...
28
Your Annual Florida Home Check-In: Four Things to Review
The information connected to a home does not stay the same forever. Property records are updated, loan balances change, improvements are completed, and nearby real estate activity creates new context.
Even when a move is not part of your plans, an annual review can help you understand what current sources show and identify details that may deserve a closer look. Four useful areas to revisit are estimated value, estimated equity, property information, and recent neighborhood activity.
1. Review Your Home's Estimated Value
An estimated home value can be a helpful starting point, but it is not a final determination. Automated estimates may draw from public records, recent sales, broader market activity, and available details about the property. They may not fully reflect condition, renovations, views, waterfront access, or a home's specific position within a building or community.
As you review an estimate, consider:
- Are the property det...
28
The Fed Isn't Setting Your Mortgage Rate: The 10-Year Treasury Is
What actually moves your rate before you decide to lock
If you're shopping for a home right now, you've probably heard some version of "wait for the Fed meeting." It's worth understanding what that means before you decide whether to lock in a rate or hold out for something better.
What's happening
The Federal Reserve meets September 15 and 16 and will announce a rate decision along with an updated economic outlook. Right now, the Fed's benchmark rate sits at 3.50% to 3.75%, where it's been since December, and markets are pricing in roughly a 68% chance the Fed holds steady again, with about a 32% chance of a small increase. A cut is essentially off the table.
That's a meaningful shift from just a few weeks...
26
The 15-Year Roof Number Everyone Gets Wrong
What Florida's roof age law actually protects
If you've heard that Florida insurers automatically drop coverage once a roof turns 15, you're not alone, and you're also not getting the full picture. A real law backs that number, but it works almost the opposite of how most people think.
What the law says
Florida Statute 627.7011 does not set a 15-year expiration date on roofs. It does the opposite. Insurers cannot refuse to write or renew a policy solely because the roof is over 15 years old. Once a roof passes that 15-year mark, the law protects homeowners by giving them the right to an inspection. If the results show at least 5 more years of useful life, the insurer still cannot deny coverage based on age alone.
