Buying a home in Florida is an exciting opportunity, but if you’re relocating from another state, the process may be different from what you’re used to. Many homebuyers—especially those moving from northern states—make the same mistakes over and over again. Understanding these common pitfalls can save you thousands of dollars and help you make a more informed decision when purchasing your Florida home.

1. Underestimating the Importance of Roof Condition

One of the most overlooked factors when buying a home in Florida is the age and condition of the roof. Unlike in other states where roofs last 25 to 30 years, Florida’s climate—heat, humidity, and hurricanes—puts extra wear and tear on roofing materials. If a home’s roof is 15 years or older, it must be inspected to determine whether it has at least five more years of useful life.

Why does this matter? Because insurance companies are extremely strict about roof age. If an inspector determines that the roof doesn’t meet the five-year requirement, the buyer will have to replace it within 60 days to maintain insurance coverage. Given that roofing contractors are often booked out months in advance, this can create major hurdles for buyers who are unaware of Florida’s unique roof regulations.

Before making an offer, always check the age of the roof and ensure an inspection is part of your due diligence.

2. Not Considering the Lack of Storage Space

If you’re moving from a state where basements and large attics are the norm, Florida homes may feel like they lack storage. Many homes here do not have basements due to the high water table, and attics are not ideal for storing valuables because temperatures can exceed 130°F in the summer.

Before you move, consider downsizing your belongings. Many Florida buyers end up paying for monthly storage units because they bring too much furniture and household items from their previous home. If storage space is a priority, look for homes with larger garages or built-in storage solutions.

3. Ignoring Hurricane Protection Features

Florida’s tropical climate means hurricane season is a real concern, and proper storm protection can make a huge difference—not just for safety, but for insurance costs. Homes with hurricane-rated windows, impact glass, or accordion shutters often qualify for lower insurance premiums.

When buying a home in Florida, ask:

  • Does the home have storm shutters? If so, are they manual panels, accordion shutters, or roll-down shutters?
  • Are the windows and doors impact-rated? If not, will you need to install them later?
  • Is the garage door reinforced? This is a weak point in many homes during high winds.

If a home does not have proper hurricane protection, factor the cost of adding storm-resistant features into your budget.

4. Bringing Too Much Furniture

Many people relocating to Florida make the mistake of buying a home based on their existing furniture. However, homes in Florida often have different layouts and room sizes than homes in northern states, meaning your oversized sectional, king-sized bed, or massive dining table may not fit the new space.

Instead of worrying about how to fit your furniture, focus on finding a home in the right location, with the features that fit your lifestyle. If needed, you can always purchase new furniture that better suits your new Florida home. Plus, Florida has many high-quality secondhand furniture stores, making it easy to furnish your home affordably.

5. Forgetting About Florida Homestead Tax Benefits

One of the biggest financial advantages of buying a home in Florida is the Florida Homestead Exemption, which can significantly reduce your property taxes. Many new homeowners fail to take full advantage of this benefit simply because they don’t know how it works.

Here’s what you need to know:

  • If you plan to make Florida your primary residence, you can apply for a homestead exemption to lower your taxable home value by up to $50,000.
  • The homestead exemption caps property tax increases at 3% per year, protecting homeowners from large tax hikes as property values rise.
  • To qualify, you must:
    • Live in the home for at least six months per year.
    • Update your driver’s license and vehicle registration to Florida.
    • Register to vote in Florida (if applicable).

Make sure to apply for your homestead exemption by March 1st in the year after purchasing your home to start saving on property taxes.

Bonus Tip: Work With an Experienced Florida Real Estate Agent

Buying a home in Florida is not the same as buying a home in other states. The real estate market, insurance requirements, and property laws are different, so working with an agent who understands local regulations, storm protection requirements, and insurance policies is essential.

A good agent will:

  • Help you identify homes with strong roofs and hurricane protection.
  • Guide you through HOA rules (if applicable).
  • Advise you on Florida-specific closing costs and tax benefits.
  • Ensure you don’t overpay in a competitive market.

Final Thoughts on Buying a Home in Florida

Florida offers beautiful weather, tax advantages, and a great quality of life, but buying a home here comes with unique considerations. By avoiding these common mistakes, you’ll be better prepared to find a home that meets your needs without unexpected surprises.

Before you start your home search, take the time to:

✔ Check the roof condition and understand Florida’s insurance requirements.
âś” Think about storage space and downsize if necessary.
âś” Make sure the home has proper hurricane protection.
✔ Don’t stress about bringing all your furniture—focus on the right home, not fitting old furniture into a new space.
âś” Apply for the Florida Homestead Exemption to save money on property taxes.

If you’re serious about buying a home in Florida, the right preparation will make the process smoother, save you money, and help you find the perfect home for your new Florida lifestyle.