65821 Overseas Hwy 296
Long Key, FL 33001
Permit-backed · high confidenceRecords-based estimate · getroofreport.com
The roof on record.
Roof replacement permit on county record, unknown. 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.
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.
The roof is within its early service life. Annual visual checks after storm season are enough for now.
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 2021, about 5 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. 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.
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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.