Water damage is a concern across the U.S. whether you are in Florida or Arizona. I guess the only difference is the abundance of moisture. With humidity levsls at 99+% in Florida the chances are greater that you will have issues.  Anytime that wood gets wet and then dries, then gets wet and dries again you can expect some type of wood decay to take place. I often see this damage occurring at roof lines or at fireplace chimney areas.

Depending on where you live this wood damage may affect your termite inspection. So it is important to stop the water before it gets worse.