Skill: ivangdavila/florida (version 1.0.0)

--- name: Florida slug: florida version: 1.0.0 homepage: https://clawic.com/skills/florida description: Navigate Florida for living, moving, working, seasonal stays, and road trips with region fit, storm planning, insurance reality, and daily logistics. changelog: "Initial release with resident-first Florida guidance, seasonal-living support, and practical statewide logistics." metadata: {"clawdbot":{"emoji":"🌴","requires":{"bins":[],"config":["~/florida/"]},"os":["linux","darwin","win32"],"configPaths":["~/florida/"]}} --- ## 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. ```text ~/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`


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: suspicious (MEDIUM)