Florida flood disclosure checklist
- Get the current flood disclosure form approved by your brokerage.
- Enter or confirm the seller name and complete property address.
- Send the form to the seller with instructions to answer the property-specific questions.
- Check the returned form for unanswered choices and incomplete seller signature or date fields.
- Return incomplete items to the seller for completion instead of choosing an answer for the seller.
- Prepare the completed form for delivery to the buyer at or before contract execution.
- Deliver the form using a method your office can document.
- Record the delivery date and method on the form.
- Save the completed disclosure and delivery evidence in the listing file.
- Confirm that the file copy opens correctly and is the same document that was delivered.
Prepare the form for the seller
Begin with the current form your broker or compliance process directs you to use. Avoid copying questions into a homemade document or relying on a previously saved form without checking its status.
The Florida Realtors FD-12 includes fields for the seller and property address. Its property-specific questions address the seller's knowledge of flooding that damaged the property during the seller's ownership, flood-damage insurance claims, and federal assistance received for flood damage. The form also supplies its own definition of flooding and a notice about flood insurance.
Complete administrative fields you are authorized to handle, but leave the seller's knowledge-based choices to the seller. Ask the seller to review the entire document, select every applicable choice, and complete the relevant signature and date fields.
Please review the attached flood disclosure for the property at [property address]. Complete each seller response, then sign and date the form where applicable. If an item is unclear, leave it unanswered and contact me before signing rather than guessing. Please return the completed form to me by [requested internal date].
The requested internal date in this message is a coordination date, not a statement of a legal deadline. Choose it by working backward from the expected contract execution and leave enough time to review the returned form.
Review the returned disclosure without answering for the seller
Your review is a completeness check. Confirm that the property is identifiable, each seller-response area has been addressed, and the applicable seller signature and date fields are complete. Do not change an answer based on a conversation or another document.
| Review item | Agent action | If incomplete |
|---|---|---|
| Seller and property information | Compare the form with the listing file. | Ask for the missing or corrected information. |
| Seller-response choices | Check that each required choice has a response. | Return the form to the seller without selecting an answer. |
| Seller signatures and dates | Check the applicable fields for completion. | Request completion before delivery. |
| Document integrity | Confirm that every page is present and readable. | Request a clean replacement copy. |
Deliver the completed disclosure
The Florida Realtors FD-12 states that the seller provides the flood disclosure to the buyer at or before the time the sales contract is executed. Build the delivery step around that point rather than waiting for a later file review.
Address the delivery message to the intended buyer recipient or recipients, attach the completed disclosure, and identify the property clearly. Keep the message direct so the attachment and purpose are easy to recognize.
Subject: Flood disclosure for [property address] Attached is the seller-completed flood disclosure for [property address]. Please confirm receipt of the attachment. Thank you, [agent name]
Reddy can write this email as a draft in your connected mailbox for the recipients you name. Reddy does not send it. You attach the disclosure, review the draft, and send it from your own email.
Record the handoff in the listing file
The FD-12 includes a record for the date the copy was provided to the buyer and identifies email, facsimile, mail, and personal delivery as delivery-method choices. Complete that record to match the handoff that actually occurred.
- Save the final seller-completed disclosure.
- Record the actual delivery date and method on the form.
- Save the sent email, transmission record, receipt, or other available delivery evidence.
- If receipt was requested, save the response with the disclosure.
- Use a filename that identifies the property, document, and status, such as 125-Ocean-Ave_Flood-Disclosure_Delivered_2026-09-28.pdf.
- Add a file note identifying the recipients if that information is not clear from the saved evidence.
- Open the stored documents once to confirm that they are readable.
| File item | What it records |
|---|---|
| Seller-completed disclosure | The property-specific answers and applicable seller signatures and dates |
| Delivery entry on the form | The recorded date and method of delivery |
| Sent message or transmission record | The recipients, attachment, and sending event |
| Receipt response, if obtained | The recipient's acknowledgment |
| File note, if needed | Context that is not apparent from the other saved records |
Use a final file note
A short standardized note makes the handoff easy to review later. Fill it out from the documents in front of you rather than from memory.
Flood disclosure file note Property: [property address] Seller-completed form received: [date] Form reviewed for administrative completeness: [date] Delivered to: [recipient names] Delivery date: [date] Delivery method: [email, facsimile, mail, or personal delivery] Delivery evidence saved as: [filename or file location] Receipt saved: [yes, no, or not requested] Reviewed by: [name]
