3423 Cobia Dr
Report summary
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.
A qualitative read of what a carrier is likely to ask for or credit at this address, not an eligibility decision.
Carriers order 4-points on older homes (this one dates to 1986) to check wiring, plumbing, and HVAC; the permit-dated roof clears its biggest line item.
4 point inspection4 point inspection costCode-era construction features here often map to wind-mitigation credits on a signed inspection form.
Wind mitigation inspectionWind mitigation reportQualitative read of the local Citizens / private-market balance; not an eligibility decision.
Roof inspection for insuranceConstruction era on record: pre-1994.
Where it stands.
Flood, wind, evacuation, and sinkhole exposure at this parcel, pulled from FEMA and state datasets.
What to do next.
Generated from this property's records: age against typical service life, code era, and the risk overlays.
At 10+ years, schedule a professional roof inspection and keep the report; it strengthens your position at renewal time.
Asphalt shingles age fastest in Florida sun. Look for curling, granule loss, and lifted tabs along ridges and edges.
In a high wind-speed zone, documented wind-mitigation features (roof-to-wall straps, secondary water barrier) can materially improve insurability.
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.
Next step: Roof inspection Florida
$10,280 to $17,280
From the 2,673 sq ft on county record. For an exact price from an aerial measurement, get the exact estimate.
Roof replacement cost FloridaNew roof cost FloridaQuestions about 3423 Cobia Dr.
What this specific report says, and what it does not claim.
County permit records show the roof was last permitted in 2014, about 12 years ago (shingle). A permit-dated replacement is the most reliable roof age short of an on-site inspection.
FEMA maps this address in flood zone X, outside the high-risk Special Flood Hazard Area.
Likely at some point. Florida carriers commonly order a 4-point on older homes (this one dates to 1986) 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.
Nearby in Hernando Beach.
Browse: 34606 · Hernando Beach · Florida
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.
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