Florida property insurance report.
One address, one picture: the roof on record, the wind and flood exposure, and the inspection triggers a Florida carrier will care about.
Know your file before the carrier does.
Every carrier reads the same records
Underwriters pull the same permits, flood maps, and property data this report reads. Seeing your file first means no surprises at binding, and time to fix what is fixable.
Wind is the premium driver
In most of Florida the wind portion dominates the bill. Your wind-speed zone is fixed by location, but the credits against it, code era and mitigation features, are yours to document.
Flood is a separate decision
Homeowners policies exclude flood. The FEMA zone in your report tells you whether flood coverage is lender-required or simply prudent, before the first quote conversation.
What is actually in the file.
The five sections of a property's insurance story
When a Florida underwriter opens a file, the questions come in a fixed order. How old is the roof, and can the age be proven? What wind forces was the home built for, and what mitigation exists? Is the parcel in a flood zone? Will the home need inspections before binding? And how stressed is the local market it sits in? The report above answers each from public records, in that order.
Roof: age, material, and proof
The roof line of the report carries the most weight. A permit-dated replacement is high-confidence evidence that shifts every downstream decision; an age estimated from the year built is a flag to go find the paperwork. Material matters alongside age, because carriers run different clocks for shingle, tile, metal, and flat systems. If the report shows a permit number, that number is your citation in any dispute about age.
Wind: the zone you are in and the credits you hold
Florida's building code assigns every parcel a design wind speed, rising from the state's interior to the coasts and peaking in the High-Velocity Hurricane Zone. You cannot change your zone, but the premium you pay inside it responds to documentation: the code era of the structure, the roof's permit date, and the wind-mitigation features an inspection can certify. The report's code-era inference tells you which era's assumptions a carrier will start from.
Flood: the map, not the memory
Flood risk in the report comes from the FEMA flood zone for the parcel. Zones beginning with A or V are the Special Flood Hazard Area, where lenders require flood coverage and experience says the requirement is the lesser reason to carry it. An X zone means lower mapped risk, not no risk; recent Florida storms flooded plenty of X-zone homes. The report states the zone plainly so the flood decision is made with the map on the table.
Inspections and market context
The report closes with the two practical flags: whether a 4-point inspection is likely to be required, and a qualitative read of the local Citizens and private-market balance. Neither is a quote. Together they tell you what process to expect, which documents to gather, and how much shopping leverage your particular home carries into the conversation. That is the difference between walking into the Florida market and being walked through it.
Public records, not guesswork.
Free, no signup, and we don’t sell your data.
We match it to the county property record and its permit history.
Roof permits date the roof; the construction year sets the building-code era for wind features.
FEMA flood zones, the Florida wind-speed map, and evacuation zones overlay the parcel location.
No. It is a records-based assessment of the factors Florida insurers weigh: roof age, wind and flood exposure, 4-point likelihood, and wind-mitigation features. It shows where you stand before you talk to a carrier or agent.
County permit and assessor records, FEMA flood maps, the Florida Building Code wind-speed map, and county evacuation zones. Permit-backed roof ages are flagged high confidence; everything else is labeled as an estimate.
No. The lookup is free, needs no signup, and the address you type is not sold or shared.
No. A CLUE report lists prior insurance claims on the property. This report reads public property records: permits, assessor data, and risk maps. The two together are what an underwriter effectively sees.
Most Florida carriers ask for a 4-point inspection on older homes before writing or renewing. The report infers likelihood from the home’s age and roof record, so you can schedule it on your terms rather than the carrier’s deadline.
Indirectly, yes. It shows which levers exist for your specific home: an undocumented roof replacement, unclaimed wind-mitigation credits, or a code era stronger than your current policy reflects.