What fish is this?

I think this is probably a checkered puffer Sphoeroides testudineus based on your location and picture, with the wave-reflection patterning on the dorsal surface and ventral speckling the most obvious features.

(image from https://biogeodb.stri.si.edu/caribbean/en/thefishes/species/4403 )

Could be a different Sphoeroides, but I looked through other species found off Florida and none had similar patterning.