291 Hwy 98 W
Apalachicola, FL 32320
Records estimateRecords-based estimate · getroofreport.com
The roof on record.
Roof replacement permit on county record, shingle. A permit-dated replacement is the most reliable roof age short of an inspection.
The insurance picture.
Likely eligible to pass.
The home and roof are recent enough that most carriers will not order one at binding.
Features may qualify.
Code-era construction features here often map to wind-mitigation credits on a signed inspection form.
Construction era on record: FBC 2002+.
Market stress moderate.
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.
Asphalt shingles age fastest in Florida sun. Look for curling, granule loss, and lifted tabs along ridges and edges.
This address has weathered 15 named hurricanes on record, most recently in 2024. Photograph the roof now so you have a pre-storm baseline for any future claim.
Hail up to 1.5 inches has been recorded nearby. After any hailstorm, have the roof inspected promptly; hail claims have tight filing windows.
No roofing permit is on county record, so the roof age is estimated at about 20 years from the year built (2006). It is labeled an estimate throughout this report.
No FEMA flood zone is on record for this address.
Probably not at binding: the home and roof are recent enough that most Florida carriers skip the 4-point. Older homes and roofs past about 15 years are the usual triggers.
The score weighs roof age against the typical service life of its material, then adjusts for storm exposure. Moderate reflects a mid-life roof worth keeping an eye on. 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 291 Hwy 98 W.
A home this size (about 3,500 sq ft on record) runs roughly $14,380 to $24,180 installed for architectural shingle in Florida. See the full breakdown →
Estimated from the building size on record; the exact figure depends on your roof area, pitch, and stories.
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.