Had the same problem with our hibiscus. Researched on computer and found that it could be normal "bud drop" or "critters." Take one of the buds, open it up and if the "critters" are there you will see them. They are pin-sized yellow worm like larvae. Don't remember their names but they develop into some type of fly. We use Massey--called them--they sprayed and cured the problem. Now we are in full bloom again. Good luck. We are new to Florida too and had no idea about the flowers, insects, etc. Quite a learning experience!
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