What is a disclosure? A disclosure is a document notifies and (discloses) to all buyers about the property condition to the best of seller knowledge. This document is signed and dated by the seller(s). However a home inspector is always highly recommended. many occasions this is required from the seller even though they have not lived in the home. The bottom line is that anything that is not visible to the eye needs to be documented on disclosure.
Prime example, roof had a tree fall on it and damaged the roof. Roof was repaired in thirty days and you have no idea roof had tree fall on it other than a new roof. Same as plumbing, new pipes installed in the ground from outside to main shutoff on home. These items are not visible to the naked eye. So what I am saying is that, sometimes there are things a covered up that can be easily overlooked.
`This document covers a vast area from roof of home to hazardous material and mineral rights. In other words you given more peace of mind before accepting to put a contract on this home. If home is being sold as is it is not necessary for this document however if provided it will state seller never lived in home. Most importantly if home was built before 1978 a lead base paint disclosure is mandatory in Florida. Disclosures can be good and bad. Good that you know more about the home, and bad news if you were really set on buying this home. However this disclosure can save you thousands of dollars versus 400 or so dollars once you have an inspection to determine a final decision.
As always if in doubt call a professional licensed inspector for a particular scope of work involved.