Buying a new construction home is exciting: clean systems, modern floor plans, your choice of finishes. But you’re buying from a professional seller with a contract written by their lawyers. Here’s how to protect yourself.
Before you sign
- Research the builder. Tour their completed communities, talk to owners who live there, check reviews, and verify the builder’s license and complaint history.
- Understand the contract. Builder contracts heavily favor the builder — on deposits, timelines, change orders, and what happens if things go wrong. Have your agent and a Florida real estate attorney review it before you sign. Never skip this.
- Bring your own agent. In most cases the builder pays the buyer’s agent commission. A good agent spots contract issues, negotiates upgrades or credits, and advocates for you at every walkthrough.
During construction
- Get independent inspections. At minimum, a pre-drywall inspection (framing, plumbing, electrical, HVAC before walls close) and a final inspection before closing. The county inspector works for the county, not for you.
- Document everything. Keep every promise, upgrade selection, and change order in writing. Verbal promises from a sales office are worth nothing at closing.
- Plan for delays. Weather, permits, labor, and materials all slip. Have a backup housing plan and don’t give notice on your rental based on the original date.
Florida-specific costs to confirm
- CDD fees. Many new Florida communities have Community Development District bonds — an extra annual assessment on top of your taxes that can last decades. Know the amount and payoff timeline.
- HOA dues and what’s covered. Get the current budget and ask what’s still developer-controlled.
- What’s not built yet. Amenities, roads, and neighboring phases may be renderings for years. Get completion commitments in writing where possible.
- Warranty terms. What’s covered, for how long, and the exact process for filing a claim. Do your new-home orientation carefully and build a thorough punch list.
New construction can be a fantastic purchase when you buy with eyes open: the right builder, a reviewed contract, your own inspections, and full knowledge of the true monthly cost. That’s how an exciting process stays a positive one.