154 Live Oak Dr
Lorida, FL 33857
Permit-backed · high confidenceRecords-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.
May be required at renewal.
Once a roof passes ~15 years, most Florida carriers ask for a 4-point before writing or renewing.
No credits inferred.
Nothing on record points to credit-eligible features; a wind-mitigation inspection could still find some.
Construction era on record: pre-1994.
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.
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 11 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 1.75 inches has been recorded nearby. After any hailstorm, have the roof inspected promptly; hail claims have tight filing windows.
No wind-mitigation features are inferred from records. A wind-mitigation inspection may surface credits you already qualify for.
County permit records show the roof was last permitted in 2002, about 24 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 1991) 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. 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 154 Live Oak Dr.
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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.