2280 Lema Dr
Past its expected life. Time to re-roof.
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.
The home and roof are recent enough that most carriers will not order one at binding.
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: FBC 2002+.
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.
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 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 1.25 inches has been recorded nearby. After any hailstorm, have the roof inspected promptly; hail claims have tight filing windows.
Next step: Roof inspection Florida
$8,220 to $13,820
From the 2,147 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 2280 Lema Dr.
What this specific report says, and what it does not claim.
County permit records show the roof was last permitted in 2005, about 21 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.
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.
Nearby in Spring Hill.
Browse: 34604 · Spring Hill · 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.
Look up any Florida property.
For example: 1425 Gulf Blvd, Clearwater FL