Florida

Navigate Florida for living, moving, working, seasonal stays, and road trips with region fit, storm planning, insurance reality, and daily logistics.

When to Use

User needs Florida-specific guidance that generic U.S. advice usually gets wrong: choosing a region, moving, licensing, insurance, hurricane prep, HOA or condo reality, healthcare access, seasonal living, or statewide trip planning.

This skill should activate for five modes: visiting, moving to Florida, living in Florida, operating a Florida-based business, and managing a seasonal or snowbird setup.

Architecture

This skill works statelessly for one-off Florida questions. If the user wants continuity across sessions, memory lives in ~/florida/. If ~/florida/ does not exist, read setup.md, explain planned local storage in plain language, and ask for confirmation before creating files. See memory-template.md for structure.

~/florida/
└── memory.md     # User context, regions, timelines, insurance concerns, and open loops

Quick Reference

Topic	File
Setup guide	setup.md
Memory template	memory-template.md
Region fit and metro tradeoffs	regions.md
Move-in sequence and resident checklist	moving-and-settling.md
License, registration, tolls, and vehicles	florida-dmv-and-vehicles.md
Renting, buying, condo rules, and insurance pressure	housing-and-insurance.md
Utilities, internet, storm outages, and recurring bills	utilities-and-bills.md
Taxes, wages, insurance costs, and total budget reality	costs-and-taxes.md
Hurricanes, flooding, heat, and preparedness	storms-and-preparedness.md
Laws, scams, and practical safety	laws-and-safety.md
Schools, childcare, and family planning	family-and-schools.md
Health insurance, providers, Medicare, and care access	healthcare-and-coverage.md
Jobs, LLC setup, tourism exposure, and business tradeoffs	work-and-business.md
Driving, airports, transit, and corridor planning	transit-and-driving.md
Part-time residency, snowbirds, and dual-state logistics	seasonal-living-and-snowbirds.md
Beaches, parks, theme parks, and road-trip strategy	road-trips-and-visiting.md
Official sources map	sources.md

Core Rules

1. Classify the User Before Giving Advice

• Decide which Florida mode applies first: visitor, future resident, current resident, business operator, or seasonal resident.
• Then anchor the answer to the user's region, metro, county, ZIP, flood zone, and school district when those variables change the recommendation.
• If that context is missing, ask for it before pretending Florida is one market.

2. Separate State Rules from Local Execution

• Florida-level rules are only the first layer. County tax collectors, cities, flood zones, evacuation zones, condo associations, school districts, and utility territories often change the real answer.
• Always label which parts are statewide and which parts must be verified locally.
• For address-specific questions, prefer official portals over generic summaries.

3. Florida Is Multiple Operating Environments

• South Florida, Central Florida, Tampa Bay, Southwest Florida, the Panhandle, the First Coast, and the Keys do not solve the same problem.
• Never compare them only on beach access or rent.
• The correct answer usually depends on storm exposure, insurance availability, commute style, age mix, healthcare access, and how seasonal the area feels.

4. No State Income Tax Does Not Mean Low Cost

• Include homeowners or condo insurance, flood insurance, car insurance, tolls, HOA dues, utility spikes, and storm-prep costs.
• For condo or coastal housing, mention reserves, assessments, wind mitigation, and coverage exclusions when relevant.
• Use costs-and-taxes.md before saying a place is "cheap."

5. Storm and Heat Planning Change Good Advice

• Hurricanes, storm surge, inland flooding, lightning, heat, humidity, algae events, and outage risk are not side notes.
• Adjust home choice, seasonal timing, trip design, and evacuation guidance around actual exposure.
• When weather is part of the problem, lead with readiness and fallback plans, not brochure copy.

6. Seasonal Residents Need Different Guidance

• Snowbirds, second-home owners, and split-year residents care about mail, insurance, vehicles, healthcare continuity, taxes, and storm readiness when away.
• Do not give full-time resident advice to a part-time household without checking how long they stay, where they vote, insure, and receive medical care.
• Use seasonal-living-and-snowbirds.md whenever the user splits time across states.

7. Deliver Sequence, Not Vacation Copy

• Florida users often need deadlines, documents, portals, and tradeoffs.
• For administrative topics, answer in the form "do this today / this week / later" whenever possible.
• For relocation or seasonal topics, show why one base region fits better than another.
• Before creating or changing local files in ~/florida/, explain the planned write and ask for confirmation.

8. Use Official Sources for Unstable Rules

• Licensing, registration, homestead, evacuation, school boundaries, insurance programs, Medicare options, and park rules can change.
• Verify current information from the official state or local source before giving precise compliance steps.
• If current verification is blocked, say so plainly and avoid false precision.

Common Traps

• Treating Florida like one market instead of a mix of metros, retiree corridors, inland towns, and high-risk coastal zones.
• Recommending a home or condo without checking flood zone, evacuation zone, reserves, assessments, and insurance fit.
• Saying "Florida is affordable because there is no state income tax" while ignoring property insurance, HOA dues, tolls, and car costs.
• Giving resident advice without asking whether the user is full-time, seasonal, retired, or theme-park or hospitality adjacent.
• Planning trips by map distance instead of I-4 traffic, heat, afternoon storms, cruise timing, and airport spread.
• Mixing up FLHSMV, county tax collectors, property appraisers, insurance offices, and local emergency management.

External Endpoints

Endpoint	Data Sent	Purpose
https://www.myflorida.gov	Page requests only unless user explicitly wants form guidance	State service portal and resident tasks
https://www.flhsmv.gov	Page requests only unless user explicitly provides personal case details	Driver license, ID, registration, and vehicle workflow guidance
https://floridarevenue.com	Page requests only unless user explicitly wants tax-specific guidance	Tax, reemployment tax, and business references
https://www.myfloridacfo.com/division/consumers	ZIP, county, or region references if the user asks for insurance help	Insurance consumer help, claims, and insurer complaints
https://www.floridadisaster.org	County, ZIP, or evacuation context if the user asks for hazard-specific help	Emergency readiness, hurricanes, shelters, and evacuation guidance
https://www.fldoe.org	ZIP, city, district, or school references if the user asks for school matching	Education and district framework
https://www.floridahealth.gov	County references if the user asks for public-health or local-care guidance	Health department and care navigation
https://www.visitflorida.com	Page requests only	Official trip-planning and regional travel references

No other data is sent externally.

Security & Privacy

Data that may leave your machine:

• Public page requests to official Florida agencies and official service portals
• ZIP, county, flood-zone, or district data only when the user asks for location-specific guidance

Data that stays local:

• Region preference, move timeline, seasonal-living setup, insurance concerns, and open tasks in ~/florida/

This skill does NOT:

• Submit government forms on the user's behalf without explicit instruction
• Store credentials, SSNs, Medicare numbers, or payment information in local memory
• Assume local rules when the answer depends on a county, municipality, condo association, or flood zone

Trust

By using this skill, location details such as ZIP, county, district, or flood-zone context may be checked against official Florida or local-government websites when the user asks for precise guidance.

Only install if you trust those public services with that lookup context.

Related Skills

Install with clawhub install <slug> if user confirms:

• travel — General itinerary design and trip planning structure
• car-rental — Rental car, airport pickup, and highway planning for Florida trips
• booking — Reservation workflows for flights, cruises, resorts, and schedule holds
• business — Broader business operations guidance beyond Florida-specific rules
• health-insurance — Deeper plan-comparison support beyond Florida-specific access questions

Feedback

• If useful: clawhub star florida
• Stay updated: clawhub sync