{"id":3149,"date":"2026-07-20T08:12:49","date_gmt":"2026-07-20T12:12:49","guid":{"rendered":"https:\/\/rtcinsuranceadvisors.com\/blog\/?p=3149"},"modified":"2026-07-20T14:52:41","modified_gmt":"2026-07-20T18:52:41","slug":"florida-home-inspections-for-out-of-state-buyers","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/florida-home-inspections-for-out-of-state-buyers\/","title":{"rendered":"Out\u2011of\u2011State Buyers: Florida Home Inspection Requirements Explained"},"content":{"rendered":"<p><img src=https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/05\/florida-home-insurance.avif alt=\"What Out-of-State Buyers Should Know About Florida Home Inspections\" style=\"float:left;margin:0 15px 15px 0;width:260px\"><\/p>\n<p>Out-of-state buyers quickly learn that Florida\u2019s insurance process operates on a completely different playbook than the states they\u2019re moving from. In many parts of the country, insurers rarely ask for inspections and often issue quotes based solely on application details. Florida doesn\u2019t work that way. Here, inspections are a core part of underwriting, and the results can determine whether a home qualifies for coverage at all. This overview helps relocating buyers understand how <a href=https:\/\/www.robertcolucci.com\/florida-home-insurance-for-out-of-state-buyers\/ >Florida home inspections<\/a> influence pricing, eligibility, and carrier availability.<\/p>\n<p>Florida insurers rely on inspection documentation to verify the home\u2019s condition and confirm that major systems meet underwriting standards. Roof age, electrical safety, plumbing materials, HVAC performance, and wind mitigation features all factor into whether a carrier will quote the home. Buyers unfamiliar with Florida\u2019s inspection-driven process can review the statewide <a href=https:\/\/www.robertcolucci.com\/four-point-inspection-florida\/ >4-Point Inspection Guide<\/a> to see how each system is evaluated before a binder is issued.<\/p>\n<div id=\"rtci-wrapper\" style=\"all:unset;display:block;\">\r\n<div style=\"text-align:center;margin:30px 0;\"><div class=\"tumble\" style=\"display:inline-flex;gap:12px;flex-wrap:wrap;align-items:center;\"><a href=\"https:\/\/www.robertcolucci.com\/reviews\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/08\/google-rating-5-star.webp\" alt=\"Google 5-Star Rating\" style=\"height:50px;width:auto;\"><\/a><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Licensed Florida Insurance Agent<\/div><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Serving Florida Since 2008<\/div><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Trusted by Realtors & Loan Officers<\/div><a href=\"tel:3522002066\" style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px;color:#000;text-decoration:none;\">Call: 352\u2011200\u20112066<\/a><\/div><\/div>\r\n<div id=\"quoteform\"><\/div>\r\n<style>\r\n\/* Namespaced so nothing else on the site can interfere *\/\r\n.rtci-step { display:none; }\r\n.rtci-step.rtci-active { display:block; }\r\n\r\n.rtci-form {\r\n  max-width:600px;\r\n  margin:0 auto;\r\n}\r\n\r\n.rtci-row {\r\n  margin-bottom:15px;\r\n}\r\n\r\n.rtci-row label {\r\n  display:block;\r\n  font-weight:bold;\r\n  margin-bottom:5px;\r\n}\r\n\r\n.rtci-row input,\r\n.rtci-row select,\r\n.rtci-row textarea {\r\n  width:100%;\r\n  padding:10px;\r\n  font-size:16px;\r\n}\r\n\r\n.rtci-next,\r\n.rtci-prev,\r\n.rtci-submit {\r\n  padding:12px 20px;\r\n  font-size:16px;\r\n  margin-top:10px;\r\n  cursor:pointer;\r\n}\r\n<\/style>\r\n\r\n<div class=\"rtci-form\">\r\n  <h2>Get Florida Homeowners Insurance Quotes<\/h2>\r\n\r\n<style>\r\ninput:focus,\r\ntextarea:focus,\r\nselect:focus {\r\n    outline: none !important;\r\n    border: 2px solid #007bff !important;\r\n    box-shadow: 0 0 4px rgba(0, 123, 255, 0.4) !important;\r\n    transition: border-color 0.2s ease, box-shadow 0.2s ease;\r\n}\r\n<\/style>\r\n\r\n  <form id=\"rtci-home-form\" action=\"\/blog\/forms\/send-homeowners.php\" method=\"POST\">\r\n\r\n    <!-- Honeypot -->\r\n    <input type=\"text\" name=\"website\" style=\"display:none;\">\r\n\r\n    <!-- STEP 1 -->\r\n    <div class=\"rtci-step rtci-active\">\r\n      <div class=\"rtci-row\">\r\n        <label>First Name *<\/label>\r\n        <input type=\"text\" name=\"first_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Last Name *<\/label>\r\n        <input type=\"text\" name=\"last_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Phone *<\/label>\r\n        <input type=\"text\" name=\"phone\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Email *<\/label>\r\n        <input type=\"email\" name=\"email\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Street Address *<\/label>\r\n        <input type=\"text\" name=\"street\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>City *<\/label>\r\n        <input type=\"text\" name=\"city\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>State *<\/label>\r\n        <input type=\"text\" name=\"state\" value=\"FL\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>ZIP Code *<\/label>\r\n        <input type=\"text\" name=\"zip\" required>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 2 -->\r\n    <div class=\"rtci-step\">\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Number of Stories *<\/label>\r\n        <input type=\"text\" name=\"stories\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Square Footage *<\/label>\r\n        <input type=\"text\" name=\"square_feet\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Construction Type *<\/label>\r\n        <select name=\"construction\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Block\">Block<\/option>\r\n          <option value=\"Frame\">Frame<\/option>\r\n          <option value=\"Other\">Other<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Roof Year *<\/label>\r\n        <input type=\"text\" name=\"roof_year\" required>\r\n      <\/div>\r\n\r\n      <!-- \u2b50 NEW FIELD HERE \u2b50 -->\r\n<div class=\"rtci-row\">\r\n  <label>What Type of Policy Do You Need? *<\/label>\r\n  <select name=\"policy_type\" required>\r\n    <option value=\"\">Select<\/option>\r\n    <option value=\"Primary Home (HO-3)\">Primary Home (HO\u20113)<\/option>\r\n    <option value=\"Secondary Home (HO-3)\">Secondary Home (HO\u20113)<\/option>\r\n    <option value=\"Condo Unit-Owners (HO-6)\">Condo Unit\u2011Owners (HO\u20116)<\/option>\r\n    <option value=\"Tenant Occupied Home (DP-3)\">Tenant Occupied Home (DP\u20113)<\/option>\r\n    <option value=\"Flood Only\">Flood Only<\/option>\r\n    <option value=\"Flood + Homeowners\">Flood + Homeowners<\/option>\r\n  <\/select>\r\n<\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 3 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Any claims in the last 5 years? *<\/label>\r\n        <select name=\"claims\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"Yes - 1 claim\">Yes - 1 claim<\/option>\r\n          <option value=\"Yes - 2 claims\">Yes - 2 claims<\/option>\r\n          <option value=\"Yes - 3+ claims\">Yes - 3+ claims<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Current Insurance Status *<\/label>\r\n        <select name=\"current_insurance\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Yes\">Yes<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"New Purchase\">New Purchase<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 4 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Desired Dwelling Limit *<\/label>\r\n        <input type=\"text\" name=\"dwelling_limit\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Liability Limit *<\/label>\r\n        <select name=\"liability_limit\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$100,000\">$100,000<\/option>\r\n          <option value=\"$300,000\">$300,000<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Hurricane Deductible *<\/label>\r\n        <select name=\"hurricane_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"2%\">2%<\/option>\r\n          <option value=\"5%\">5%<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>All Other Perils Deductible *<\/label>\r\n        <select name=\"aop_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$500\">$500<\/option>\r\n          <option value=\"$1000\">$1000<\/option>\r\n          <option value=\"$2500\">$2500<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Additional Notes<\/label>\r\n        <textarea name=\"notes\" rows=\"4\"><\/textarea>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"submit\" class=\"rtci-submit\">Submit Quote<\/button>\r\n    <\/div>\r\n\r\n  <\/form>\r\n<\/div>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n  const steps = document.querySelectorAll(\".rtci-step\");\r\n  const nextBtns = document.querySelectorAll(\".rtci-next\");\r\n  const prevBtns = document.querySelectorAll(\".rtci-prev\");\r\n  let currentStep = 0;\r\n\r\n  function scrollToForm() {\r\n    const formTop = document.querySelector(\".rtci-form\").offsetTop;\r\n    window.scrollTo({ top: formTop - 20, behavior: \"smooth\" });\r\n  }\r\n\r\n  function showStep(n) {\r\n    steps.forEach(step => step.classList.remove(\"rtci-active\"));\r\n    steps[n].classList.add(\"rtci-active\");\r\n    scrollToForm();\r\n  }\r\n\r\n  nextBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep < steps.length - 1) {\r\n        currentStep++;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n  prevBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep > 0) {\r\n        currentStep--;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n});\r\n<\/script>\r\n\r\n<\/div>\n<h2>Types of Inspections Florida Carriers Rely On<\/h2>\n<p>Relocating buyers should be prepared for several inspection types that directly influence underwriting:<\/p>\n<ul>\n<li><strong>4-Point Inspection:<\/strong> Evaluates roof, electrical, plumbing, and HVAC systems. Each component has its own standards, detailed at <a href=https:\/\/www.robertcolucci.com\/4-point-roof-inspection\/ >Roof Inspection<\/a>, <a href=https:\/\/www.robertcolucci.com\/4-point-electrical-inspection\/ >Electrical Inspection<\/a>, <a href=https:\/\/www.robertcolucci.com\/4-point-plumbing-inspection\/ >Plumbing Inspection<\/a>, and <a href=https:\/\/www.robertcolucci.com\/4-point-hvac-inspection\/ >HVAC Inspection<\/a>.<\/li>\n<li><strong>Wind Mitigation Inspection:<\/strong> Identifies structural features that reduce wind damage. Florida carriers heavily weigh factors such as roof deck attachment, roof-to-wall connections, opening protection, and roof geometry. Full breakdown at <a href=https:\/\/www.robertcolucci.com\/wind-mitigation-inspection-florida\/ >Wind Mitigation Inspection Florida<\/a>.<\/li>\n<li><strong>Roof Certification:<\/strong> Often required for older roofs or homes with limited documentation. Buyers can review statewide roof standards at <a href=https:\/\/www.robertcolucci.com\/roof-underwriting-changes\/ >Roof Underwriting Changes<\/a>.<\/li>\n<\/ul>\n<h2>Why These Inspections Carry So Much Weight<\/h2>\n<p>Florida\u2019s insurance market is shaped by hurricane exposure, high wind events, and regional claim patterns. Because of this, carriers must verify that a home\u2019s systems meet minimum safety and durability thresholds. Inspections influence:<\/p>\n<ul>\n<li><strong>Eligibility:<\/strong> Homes with outdated electrical panels, problematic plumbing materials, or roofs past useful life may be declined outright.<\/li>\n<li><strong>Pricing:<\/strong> Florida\u2019s rating system weighs roof age, wind mitigation, electrical safety, plumbing type, and HVAC condition. Buyers can review statewide rating criteria at <a href=https:\/\/www.robertcolucci.com\/florida-home-insurance-rating-factors\/ >Florida Home Insurance Rating Factors<\/a>.<\/li>\n<li><strong>Wind Mitigation Credits:<\/strong> Features such as <a href=https:\/\/www.robertcolucci.com\/roof-deck-attachment-wind-mitigation\/ >Roof Deck Attachment<\/a>, <a href=https:\/\/www.robertcolucci.com\/roof-to-wall-connection-wind-mitigation\/ >Roof-to-Wall Connections<\/a>, <a href=https:\/\/www.robertcolucci.com\/opening-protection-wind-mitigation\/ >Opening Protection<\/a>, <a href=https:\/\/www.robertcolucci.com\/roof-geometry-wind-mitigation\/ >Roof Geometry<\/a>, and <a href=https:\/\/www.robertcolucci.com\/swr-secondary-water-resistance\/ >Secondary Water Resistance<\/a> can reduce premiums substantially.<\/li>\n<li><strong>Required Repairs:<\/strong> Some homes may need updates before a carrier will issue coverage, especially when electrical, plumbing, or roof issues appear on the report.<\/li>\n<\/ul>\n<h2>Flood &#038; Regional Risk Considerations<\/h2>\n<p>Flood exposure is another major factor out-of-state buyers often underestimate. Florida lenders frequently require flood insurance when a home sits in a higher-risk zone. Buyers can evaluate flood risk using the <a href=https:\/\/www.robertcolucci.com\/flood-zone-lookup-guide\/ >Flood Zone Lookup Guide<\/a>, <a href=https:\/\/www.robertcolucci.com\/fema-flood-maps-florida\/ >FEMA Flood Maps<\/a>, and <a href=https:\/\/www.robertcolucci.com\/flood-zones-explained-florida\/ >Flood Zones Explained<\/a>. Elevation also matters, and buyers can review BFE guidance at <a href=https:\/\/www.robertcolucci.com\/elevation-risk-bfe-florida\/ >Elevation Risk &#038; BFE Florida<\/a>.<\/p>\n<p>Regional differences also influence underwriting. Florida\u2019s inland, coastal, and high-wind regions each carry different risk profiles. The <a href=https:\/\/www.robertcolucci.com\/florida-insurance-regions\/ >Florida Insurance Regions<\/a> guide explains how location affects carrier appetite and pricing.<\/p>\n<h2>Additional Factors Out-of-State Buyers Should Expect<\/h2>\n<p>Florida\u2019s insurance process requires more documentation than many buyers anticipate. Roof permits, electrical panel photos, plumbing system details, HVAC age verification, and wind mitigation reports are often needed before carriers will quote. The <a href=https:\/\/www.robertcolucci.com\/home-insurance-checklist\/ >Home Insurance Checklist<\/a> helps buyers gather everything required for a smooth underwriting process.<\/p>\n<p>Market conditions also play a role. Carrier appetite changes frequently, and buyers can review statewide patterns at <a href=https:\/\/www.robertcolucci.com\/carrier-appetite-patterns\/ >Carrier Appetite Patterns<\/a>. Reinsurance costs influence pricing as well, explained at <a href=https:\/\/www.robertcolucci.com\/reinsurance-how-it-affects-rates\/ >How Reinsurance Affects Rates<\/a>.<\/p>\n<div style=\"display:flex;flex-wrap:wrap;gap:30px;margin:30px 0\">\n<div style=\"flex:1;min-width:280px;max-width:600px;padding:20px;background:#fafafa;border-radius:8px;border:1px solid #ddd\">\n<h3 style=margin-top:0;font-size:20px;font-weight:700;text-align:left>Florida Counties I Serve<\/h3>\n<div style=display:flex;flex-wrap:wrap;gap:20px>\n<div style=flex:1;min-width:140px>\n<ul style=font-size:16px;line-height:1.6;padding-left:20px>\n<li><a href=https:\/\/www.robertcolucci.com\/sarasota-county-home-insurance-quotes\/ >Sarasota<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/lee-county-home-insurance-quotes\/ >Lee<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/charlotte-county-home-insurance-quotes\/ >Charlotte<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/collier-county-home-insurance-quotes\/ >Collier<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/hillsborough-county-home-insurance-quotes\/ >Hillsborough<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=flex:1;min-width:140px>\n<ul style=font-size:16px;line-height:1.6;padding-left:20px>\n<li><a href=https:\/\/www.robertcolucci.com\/pinellas-county-home-insurance-quotes\/ >Pinellas<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/manatee-county-home-insurance-quotes\/ >Manatee<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/pasco-county-home-insurance-quotes\/ >Pasco<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/volusia-county-home-insurance-quotes\/ >Volusia<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/orange-county-home-insurance-quotes\/ >Orange<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h3 style=margin-top:25px;font-size:20px;font-weight:700;text-align:left>Popular Relocation Pages<\/h3>\n<div style=display:flex;flex-wrap:wrap;gap:20px>\n<div style=flex:1;min-width:140px>\n<ul style=font-size:16px;line-height:1.6;padding-left:20px>\n<li><a href=https:\/\/www.robertcolucci.com\/out-of-state-home-buyers\/new-york\/ >New York<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/out-of-state-home-buyers\/new-jersey\/ >New Jersey<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/out-of-state-home-buyers\/pennsylvania\/ >Pennsylvania<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/out-of-state-home-buyers\/ohio\/ >Ohio<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/florida-home-insurance-for-connecticut-buyers\/ >Connecticut<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=flex:1;min-width:140px>\n<ul style=font-size:16px;line-height:1.6;padding-left:20px>\n<li><a href=https:\/\/www.robertcolucci.com\/out-of-state-home-buyers\/illinois\/ >Illinois<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/out-of-state-home-buyers\/michigan\/ >Michigan<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/florida-home-insurance-for-massachusetts-buyers\/ >Massachusetts<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/florida-home-insurance-for-california-buyers\/ >California<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/international\/ >International<\/a><\/li>\n<li><a href=https:\/\/www.robertcolucci.com\/florida-home-insurance-for-out-of-state-buyers\/ >All Other States<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"flex:1;min-width:280px;max-width:600px;padding:20px;background:#fafafa;border-radius:8px;border:1px solid:#ddd\">\n<h3 style=margin-top:0;font-size:20px;font-weight:700;text-align:center>Why Choose Me For Your Florida Home Insurance?<\/h3>\n<ul style=font-size:16px;line-height:1.6;padding-left:20px>\n<li><strong>Local experience<\/strong> \u2014 I understand Florida carriers, wind requirements, and lender guidelines.<\/li>\n<li><strong>Multiple carriers<\/strong> \u2014 I shop many companies to help you find competitive rates and solid coverage.<\/li>\n<li><strong>Personal guidance<\/strong> \u2014 You work directly with me, not a call center or rotating agent.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>Final Thoughts<\/h2>\n<p>Understanding Florida\u2019s inspection requirements helps out-of-state buyers avoid delays, anticipate underwriting decisions, and secure better long-term pricing. Reviewing wind mitigation features, flood exposure, regional risk factors, and rating criteria ensures buyers make informed choices when selecting a Florida home. I can help you evaluate inspection results and determine which carriers are the best fit for your property.<\/p>\n<p><a href=https:\/\/www.robertcolucci.com\/florida-home-insurance-for-out-of-state-buyers\/ >Get a Homeowners Quote<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Out-of-state buyers quickly learn that Florida\u2019s insurance process operates on a completely different playbook than the states they\u2019re moving from. In many parts of the country, insurers rarely ask for inspections and often issue quotes based solely on application details. Florida doesn\u2019t work that way. Here, inspections are a core part of underwriting, and the&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-3149","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/3149","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=3149"}],"version-history":[{"count":6,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/3149\/revisions"}],"predecessor-version":[{"id":3163,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/3149\/revisions\/3163"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=3149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=3149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=3149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}