Florida
The moment a FloridaRealtors/FloridaBar contract, standard or AS-IS, is signed, Ratifyly reads it, confirms the required paperwork is present and signed, and flags anything missing before it becomes a problem. It checks for the separate flood disclosure now required at execution, the radon and property-tax notices, lead-paint on pre-1978 homes, and the condo or HOA disclosure summary where the property calls for one, while watching for the material defects a seller has a common-law duty to disclose under Johnson v. Davis. Then it tracks every deadline the contract runs on, the inspection window, the financing and appraisal dates, title review, and closing, and keeps the brokerage, the agent, and the client on one live view of the same transaction.
The contracts we read
Nearly every Florida deal runs on one of two joint FloridaRealtors/FloridaBar forms: the Residential Contract for Sale and Purchase or the AS-IS Residential Contract for Sale and Purchase (current version ASIS-7), together with the relevant riders and any condo or HOA disclosure summary. Florida is a title-company closing state rather than an attorney-close state, so closings are typically handled by a title company or closing agent with an attorney optional. Ratifyly reads whatever form actually governs the deal, whether it is the statewide FR/BAR contract, a local board form, or attorney-drafted paperwork.
But Ratifyly isn't limited to those. Because it reads the document itself— not a fixed template — it handles whatever version an agent actually uses: the statewide association form, a regional or local board form, an attorney-drafted contract, or a brokerage's own paperwork. And it reads the whole packet, not just the contract — disclosures, addenda, the closing disclosure, title commitment, inspection reports, wire instructions, and more — so nothing in the file goes unreviewed.
Required paperwork we check
- Seller condition disclosure: Florida has NO state-mandated seller-disclosure form, but Johnson v. Davis (Fla. 1985) imposes a common-law duty to disclose known material defects not readily observable to the buyer, and a seller cannot silently disclaim it.
- Flood disclosure: a separate written flood disclosure is required at or before contract execution for residential sales, covering prior flood claims and federal flood assistance (Fla. Stat. §689.302, effective 10/1/2024).
- Radon gas notice: required in most residential sale and lease contracts (Fla. Stat. §404.056).
- Property-tax notice: statutory notice that the buyer's property taxes may differ from the seller's, typically embedded in the contract (Fla. Stat. §689.261).
- Condominium and homeowners' association disclosure summaries: required governance and assessment summaries for condo (Fla. Stat. §718.503) and HOA (Fla. Stat. §720.401) properties.
- Lead-based paint: federal disclosure required for homes built before 1978.
Deadlines we track
- Inspection / due-diligence: the AS-IS contract runs on a buyer's right-to-cancel inspection window (default 15 days), while the standard contract instead caps the seller's repair obligations.
- Financing / loan approval period: buyer must obtain loan approval by the contract deadline (commonly around 30 days) or risk deposit exposure.
- Appraisal: ordered within the financing period, with the loan commitment contingent on the property appraising at or above the agreed value.
- Title evidence and examination: seller delivers title commitment and the buyer has a set period to examine and object to defects before closing.
- Closing / settlement: the agreed closing date on which the title company or closing agent disburses and records.
- Brokerage relationship notice: transaction broker is Florida's statutory default (Fla. Stat. §475.278) and needs no written notice; only single-agent or no-brokerage relationships require written disclosure.
This page summarizes commonly used Floridaforms and requirements for reference only — it is not legal advice, and forms and statutes change. Always follow your brokerage's current compliance guidance, the controlling Florida statutes, and the forms your transaction actually uses.
See Ratifyly read a Florida contract.
Send us your Florida purchase agreement and we'll show you exactly what it pulls out, audits, and puts on the timeline.