3122 SW Lake Ter
Report summary
A hurricane passed near this address in 2024. Storm damage is easy to miss from the ground.
Check for damageThis roof is about 26 years old. Florida insurers can ask for an inspection once a roof passes 15 years. Book one before your renewal.
Book before renewal2 wind credit features on record. A wind mitigation inspection documents them for your insurer.
Book wind mitigationThe roof on record.
Roof replacement permit on county record. 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.
This roof is about 26 years old. Florida insurers can ask for an inspection once a roof passes 15 years. Book one before your renewal.
Book before renewalThe home and roof are recent enough that most carriers will not order one at binding.
4 point inspection4 point inspection cost Book before renewalCode-era construction features here often map to wind-mitigation credits on a signed inspection form.
Wind mitigation inspectionWind mitigation report Book a wind mitigation inspectionQualitative read of the local Citizens / private-market balance; not an eligibility decision.
Roof inspection for insuranceConstruction era on record: FBC 2002+.
Where it stands.
Flood, wind, evacuation, and sinkhole exposure at this parcel, pulled from FEMA and state datasets.
A hurricane passed near this address in 2024, with Milton, Helene and Ian on record. Storm damage is easy to miss from the ground.
Check for storm damageWhat 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.
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 reported within 5 miles of this address. After any hailstorm, have the roof inspected promptly; hail claims have tight filing windows.
Next step: Roof inspection Florida
$10,280 to $17,280
From the 2,260 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 3122 SW Lake Ter.
What this specific report says, and what it does not claim.
County permit records show the roof was last permitted in 2000, about 26 years ago (unknown). 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.
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. Unscored reflects a roof at or past its typical service life, where insurers scrutinize hardest. 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 Palm City.
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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