| Underwriting Factor | Assessment | Impact |
|---|
| Insurability Rating | Insurable with conditions | Conditional |
| Estimated Replacement Cost | $18,500 - $22,000 (full tear-off & replace) | Based on 32 squares, architectural shingle |
| Remaining Useful Life | 8-12 years (with maintenance) | 30-year shingle at 11 years |
| Florida Building Code | 2004 FBC compliant (permits on file) | Compliant |
| Hurricane Strap Visible | Yes - clips observed at eave line | Verified |
| Hail/Wind Damage | No active storm damage detected | Clear |
| Prior Claims | None on record (per client disclosure) | Clear |
⚠️ This assessment is based on aerial drone observation and does not constitute an engineering or structural analysis. Insurability determinations are made solely by the underwriting carrier. Data provided to assist the underwriting process - not to replace it.
| Item | Description | Qty/Unit | Est. Cost | Priority |
|---|
| 1 | Moisture investigation - Plane C anomaly | 1 area | $400-$600 | Urgent |
| 2 | Plane F lean-to - full section replacement | 140 sq ft | $2,400-$3,800 | Within 6 mo |
| 3 | HVAC curb flashing reseal | 1 unit | $250-$400 | Within 2 yr |
| 4 | Satellite mount sealant refresh | 1 unit | $75-$125 | Within 6 mo |
| 5 | Ridge cap nail seal (2 fasteners) | 2 points | $150-$300 | Within 6 mo |
| 6 | North plane soft-wash algae treatment | 698 sq ft | $300-$500 | Maintenance |
| 7 | East gutter bracket resecure | 1 section | $120-$200 | Maintenance |
| TOTAL ESTIMATED RANGE | $3,695 - $5,925 |
These labels automatically map findings from this aerial assessment into your other inspection reports - 4-Point, Wind Mitigation, Home Inspection, and Insurance Claims. One flight, every report updated.
Roof Age
11 years (2015)
4-PointWind MitHome Insp
Roof Material
Arch. Asphalt Shingle
4-PointWind Mit
Roof Shape
Hip w/ Cross Gable
Wind Mit
Roof Condition
Fair (78/100)
4-PointHome InspInsurance
Deck Attachment
Plywood - nailed 6" OC
Wind Mit
Roof-to-Wall
Clips
Wind MitInsurance
SWR Compliance
FBC 2004 - Compliant
Wind MitInsurance
Damage Present
Minor - No storm damage
InsuranceHome Insp
Insurability
Conditional - with repairs
Insurance4-Point
Calvin Williams
FL License #HI-14823 · FAA Part 107 #4298761
This Aerial Roof Intelligence Report is the proprietary property of Vcita Home Inspection & Service LLC. The Roof Health Index is a proprietary scoring methodology. This report is intended for informational purposes and to assist with insurance underwriting, property evaluation, and maintenance planning. It does not replace a full structural engineering assessment. All observations are based on visual and thermal drone imagery. © 2026 Vcita Home Inspection & Service LLC. All rights reserved.