YouBetterCallMe.com Version 2

New Construction vs Resale — Decision Engine

Answer these questions once. Get a profile plus a 5-year cost projection you can actually use.

This tool estimates based on your inputs. Final numbers depend on the specific home, roof, mitigation, carrier, and escrow structure.

A) Your baseline assumptions (so the math is real)

Smart Estimator (Optional)

County

Year Range

Auto-Estimate Insurance
Auto-Estimate Electric
Auto-Estimate Maintenance

Target purchase price (rough)

Square footage (rough)

Expected annual insurance if you buy RESALE (you can estimate or use your last quote)

Expected annual insurance if you buy NEW CONSTRUCTION

Average monthly electric bill if RESALE (or your current bill)

Estimated % electric savings with NEW CONSTRUCTION (adjustable)

12%

ENERGY STAR window upgrades often cite ~12% bill savings; your actual depends on envelope/AC/ducts. :contentReference[oaicite:4]{index=4}

HOA / Condo fees monthly (if any) — RESALE

HOA monthly — NEW CONSTRUCTION

CDD annual — NEW CONSTRUCTION (if applicable; otherwise 0)

Florida CDD fees often run from hundreds to a few thousand yearly. :contentReference[oaicite:5]{index=5}

Maintenance budget annual — RESALE (repairs, replacements, upkeep)

Maintenance budget annual — NEW CONSTRUCTION (usually lower early on)

Wind mitigation / impact features (discount slider) — RESALE

Florida requires insurers to offer wind-mitigation discounts; exact % varies by carrier & inspection. :contentReference[oaicite:6]{index=6}

Wind mitigation / impact features (discount slider) — NEW CONSTRUCTION

10%

B) Priority questions (1–10)

Location: being closer to “where everything happens” (Miami vs Homestead style tradeoff)

Commute: minimizing time on the road

School stability: staying near current school

Walkability / amenities nearby

Lower insurance cost importance

Lower electric cost importance

Warranty / predictable early maintenance importance

Customization: choosing finishes / layout preference

Timeline flexibility (choose one)

Comfort buying in an emerging / growth corridor

HOA/CDD sensitivity (higher = you dislike extra fees)

Renovation tolerance (higher = you’re willing to renovate)

Condo Risk Report — Miami-Dade / Broward

Prepared by: YouBetterCallMe.com • This report is a decision framework, not an insurance quote.

Client Snapshot

Name: _______________________

Phone/Email: _______________________

County: Miami-Dade / Broward

Building Year Range: New / 2015–2023 / 2000–2014 / Pre-2000

Coastal Exposure: Yes / No / Not sure

HOA Range: Under $400 / $400–$700 / $700+

Insurance Structure (Master Policy Modeling)

Master policy (association): typically covers building exterior/structure and is paid via HOA.
HO6 (unit owner): covers interior finishes, personal property, liability, and unit-specific improvements.

Action item: confirm what the declaration assigns to the association vs unit owner (windows, balconies, limited common elements).

Condo Risk Index

Risk TierLow / Moderate / Elevated

Index Score__ / 9

Primary DriverReserves / Age / Assessments

Risk Breakdown

Reserves: Fully funded / Partial / Weak / Unknown
Recertification exposure: Low / Moderate / Elevated (based on age band)
Assessment probability (5-year outlook): Low / Moderate / High

Document Checklist (Non-Negotiable)

Current year budget + last 2 years actuals
Reserve schedule (or reserve study) + reserve balances
Assessment history (last 36 months) + pending special assessments
Insurance summary: master policy declarations + deductibles
Engineering/inspection status + known structural projects
Litigation disclosure
Rules: rentals, pets, parking, approvals, minimum lease terms

Professional Summary

Recommendation lane: New / Established Resale / Hybrid (Recent Construction)

Reasoning: ____________________________________________________________

Next step: Document review + targeted unit shortlist

Content

Resale or New Construction?