HVAC in Florida is the machine that makes the house livable, and it is asked to do that most days of the year. Cooling is the main job from the south up through the peninsula. Heating is a real job only as you get toward the state line, where a morning can actually be cold. Everywhere, humidity is the part people forget. A system can drop the temperature and still leave the rooms clammy if it short-cycles, or if the duct leaks into a baking attic. Start with the city, whether you have no cooling or weak cooling, and the age of the equipment if you know it.
The outdoor unit lives a hard life. On the coast, salt eats fins, electrical lugs, and the disconnect until a coil looks tired long before the compressor is the real story. Inland, the enemy is heat, run time, and a condenser boxed in by a hedge or a screen. Dirty filters, a collapsed return, and a blocked coil mimic a failed compressor. Say what you already checked. Say whether the indoor coil has frozen, whether the condensate pan has overflowed, and whether the air handler sits in a closet, a garage, or an attic.
Condensate is a Florida specialty. Algae grows in the line, the float switch trips, and the ceiling below an air handler tells you about it. That is a different visit from a system that is simply at the end of its life. If someone is talking about replacement, ask whether the indoor and outdoor equipment are being matched, whether the ducts are being reused as they are, and whether anyone sized the load for this house rather than copying the old equipment.
Heat, where you need it, is usually a heat pump, sometimes with strips that come on when the morning is sharp. Say if the house is without heat, not only without cooling. Say if the system is blowing warm when it should cool, or if a breaker trips. If a storm soaked the equipment or opened the house, keep that separate from a flood question on your policy. Wind damage and rising water are different. Describe the symptom and the city. Call the number on this page.