5 SHOCKING Red Flags to Watch Out for When Buying a Home in Florida
Florida home insurance prices are soaring, and this video explains why. We break down the factors contributing to the current property insurance crisis, including recent company bankruptcy filings and the impact of natural disasters. If you're a homeowner in Florida, understanding these changes is crucial for navigating the housing market in 2025.
Chapters:
00:00 Florida Homes I Avoid (5 “Lemons”)
00:40 60-Second Red Flag Filter
01:20 #1 Wrong Location (Noise + Livability)
02:05 I-95 / US-1 / Airports / Brightline
02:55 Flood Streets + Bad Drainage
03:45 Rush Hour Drive-By Test
04:25 FEMA Flood Maps (2024 Updates)
05:10 Ask Neighbors (Flood/Noise)
05:55 Location = Resale Risk
06:25 #2 Waterfront Money Pit
07:05 Flood Zones + Flood Insurance
07:55 Flood Premium Jumps
08:40 Seawalls / Bulkheads (Costs)
09:35 King Tides + Street Flooding
10:15 Salt Air Corrosion
10:55 Elevation Cert + Quote Early
11:35 Seawall / Marine Inspection
12:10 #3 Condo Time Bombs
12:50 Surfside Laws (Florida Condos)
13:35 Milestone + SIRS (Reserves)
14:20 Special Assessments
15:10 $120K Assessment Example
16:05 Budget + Reserves + Minutes
16:55 Condo Insurance + HOA Spikes
17:45 No Docs = Walk
18:10 #4 Flips With Bad Bones
18:50 Cast Iron + Sewer Scope
19:55 Poly-B Plumbing
20:45 Chinese Drywall (Smell)
21:25 FPE / Zinsco / Aluminum Wiring
22:10 Florida 5 Inspections
22:40 4-Point + Wind Mitigation
23:20 WDO Termites + Scope
24:05 #5 Uninsurable Homes
24:45 Old Roof Cutoffs
25:25 Citizens Insurance (2025)
26:10 Underwriting: Roof/Plumbing/Electrical/HVAC
26:55 Quote During Due Diligence
27:40 My Safe Florida Home Grants
28:30 Insurance Budget = Affordability
29:10 Recap: 5 Homes to Avoid
30:05 21-Point Checklist
31:05 Download + Subscribe
31:40 Closing
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✅ Want the one-page version? Download my Red Flag Homebuyer Checklist here: https://joelpoulin.com/florida-homebu...
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