Due diligence

The inspection period is your window to verify property condition, insurance availability, and association health before you are fully committed. Missing deadlines or skipping steps is how buyers lose deposits or inherit expensive surprises.

Hire a licensed inspector experienced with coastal construction — stucco, flat roofs, impact glass, and pool systems differ from northern homes. Attend the inspection when possible. Use findings to request repairs, credits, or cancel within the contract period if major defects appear.

Obtain hazard, wind, and flood quotes during inspection — not after. Read our Insurances guide. Uninsurable roofs or flood premiums that double your budget are valid reasons to renegotiate or exit.

For associations, review estoppel letters, budgets, reserve studies, and meeting minutes for litigation and special assessments. Pet Friendly Condos buyers verify pet rules in writing. Condo buyers may need association approval before closing — start early.

Title commitment reveals liens, easements, and encroachments. Surveys on waterfront lots often show dock or seawall encroachments. Resolve issues before closing, not after.