Miami runs on condos. Older towers in Miami Beach and Brickell, newer waterfront high-rises, townhomes in Coral Gables and houses in Homestead each come with different owners, rules and insurance worries.
Since the Surfside collapse in 2021, Florida has tightened inspection and reserve rules for older condo buildings, so boards now shop harder for managers and contractors. Rental rules change by city and sometimes by building.
Hurricane season, June to November, shapes the year for roofers, air conditioning crews, restoration teams and cleaners. Fort Lauderdale and Boca Raton buyers search differently from Miami-Dade buyers. Brokers answer to Florida's DBPR, the state licensing department, and contractors hold their own Florida licenses.