442 W Shore Dr
Summerland Key, FL 33042
Permit-backed · high confidenceRecords-based estimate · getroofreport.com
The roof on record.
Roof replacement permit on county record, metal. A permit-dated replacement is the most reliable roof age short of an inspection.
The insurance picture.
May be required at renewal.
Once a roof passes ~15 years, most Florida carriers ask for a 4-point before writing or renewing.
Features may qualify.
Code-era construction features here often map to wind-mitigation credits on a signed inspection form.
Market stress elevated.
Qualitative read of the local Citizens / private-market balance; not an eligibility decision.
Where it stands.
What to do next.
Generated from this property's records: age against typical service life, code era, and the risk overlays.
This roof is past the ~15-year Florida insurability threshold. Expect a 4-point inspection at renewal and start planning a replacement window.
FEMA zone AE means flood insurance is typically required by lenders; confirm your policy is current.
In a high wind-speed zone, documented wind-mitigation features (roof-to-wall straps, secondary water barrier) can materially improve insurability.
County permit records show the roof was last permitted in 2004, about 22 years ago (metal). A permit-dated replacement is the most reliable roof age short of an on-site inspection.
FEMA maps this address in flood zone AE, a Special Flood Hazard Area where lenders typically require flood insurance.
Likely at some point. Florida carriers commonly order a 4-point on older homes (this one dates to 1963) or roofs past about 15 years; the permit-dated roof here clears its biggest line item.
The score weighs roof age against the typical service life of its material, then adjusts for storm exposure. Strong reflects a newer or durable roof with room to spare. Only permit-backed roof ages count as high-confidence.
No. It is a records-based assessment from public data: county permits, assessor records, FEMA flood maps, and wind-zone data. Use it as a starting point, not a substitute for a licensed inspection.
A new roof at 442 W Shore Dr.
Get a budget estimate matched to your roof size and material.
How this report is built.
This report is a records-based estimate assembled from county permits, assessor data, FEMA flood maps, and wind-zone datasets. The roof score weighs age, material, and storm exposure; only permit-backed roof ages are high-confidence. It is not an inspection, appraisal, or insurance quote.