What shape is that house really in?
A Florida house is not graded the way a house up north is — no basement, a code line drawn in 2002, and a carrier that wants paperwork before it will write the policy. Ten questions, scored the way Florida actually scores them.
A worked example — 1998 Riverview block home
The property
What's the address?
We check the county property record where we have a live feed, so you answer fewer questions from memory.
Florida Home Score
0 out of 100Demo mode — the price half is not connected
Waiting on: Dale's price sheet. The work order specs an instant quote by address alongside this score. The score is real and computed from the answers given; no inspection price is shown anywhere because we do not have his pricing and will not invent it. Once he supplies it, the quote slots in under the score.
Where should we send the full breakdown?
Please add your name, a valid email, a phone number, the property address, and tick the box.
On its way.
We'll send the breakdown and call to set a time. A score from the driveway is a starting point — the attic and the panel are where the number really gets settled.
Or call now · 813-616-1399Why the Florida score is its own thing
A house here is not graded the way a house up north is
If you have bought a home in another state, most of what you learned there does not transfer. Four things change the whole calculation, and all four are in this score.
There is no basement to find it in
Almost every Florida home sits on a slab. Water does not collect somewhere you can go and look at — it moves through the slab, the walls and the air handler closet. That is why moisture is scored as its own system here rather than as a footnote under the roof.
2002 is a hard line
The Florida Building Code changed how homes are put together. A roof, an opening or a wall connection permitted after it is built to a different standard than one before it — and your insurer prices against exactly that. It is the single most useful date about any Florida house.
Your insurer gets a vote
In most states an inspection is between you and the seller. Here a carrier can demand a 4-point or a wind mitigation report before it will write or renew at all, and some panel makes get a policy declined outright. A house can be fine to live in and still be hard to insure.
Everything ages faster
Sun, heat and salt air shorten the life of a roof, and an air conditioner here runs most of the year instead of three months of it. A fifteen-year-old roof and a fifteen-year-old AC mean something different in Riverview than they do in Ohio, so they are weighted differently.
None of this is meant to worry you. It is the opposite: these are known, checkable things, and a house that scores well on them is a house you can buy with confidence. Knowing which ones apply to your address is the entire point of the score.
What the score is made of
Five systems, weighted the way Florida weights them
147 Google reviews
Then we come and check it properly
“Dale was very professional and very detailed with the inspection and reports. He explained everything to me regarding his findings and answered all questions that I had.” Lisette Menendez · Google
Call 813-616-1399