Originally Posted by KodakFigment
The list will vary depending on where in FL you are buying. We bought in the Orlando area in April 2012. We didn't need a wind mitigation or flood inspection. We did have a full home inspection, mold inspection and termite inspection. Together they were about $500. I think the appraisal itself was $375 on a 2100 sq. ft SF home. We had the report by email the next day. The appraiser took about 2.5 hours and we were present.
If the house is vacant/ foreclosure you may have to pay to have the utilities turned on for the inspection. Don't let them tell you they can inspect without the water/gas/electric being on.
Hire an independent appraiser, not one from the real estate office who will say anything to get the sale through. There are National Certification Boards for appraisers. Go to the website and look for well rated inspectors who work in your area.
Buying a home in FL was a lot harder than buying on in upstate NY where we lived before. Make sure you leave time to shop for Homeowner's insurance, the prices were all over the place!!
Your post talks about 2 different things, an appraisal, and a home inspection. An appraisal is more about placing a monetary value on the house based on several factors. Some of the factors would be the comps in the neighborhood and the general condition of the home and lot. A home inspection (which should always be done, even on a new home) checks the homes mechanical systems(electric, plumbing, HVAC, foundation, roof etc). A good inspector will get in your attic to make sure the roof is properly tied into the frame, will get on the roof to check shingles and such, as well as doing a through check of most of the expensive things to repair/replace. You can take recomendations from your agent for an insepector, but your mortgage company will probably pick an appraisor.