Fruit Cove is the unincorporated community along State Road 13 in northwest St. Johns County, between Julington Creek and Switzerland on the east bank of the St. Johns River. It was citrus and river cottages until development crossed the creek from Mandarin in the 1970s and 1980s, and most of the housing in the 32259 ZIP code went up in the 1990s and 2000s: frame and block subdivision homes on wooded lots under architectural shingle, with older river houses under metal along the water.
The river is the water here, not the ocean. Irma in September 2017 and Milton in October 2024 pushed the St. Johns up into the low riverfront streets. The trees are the roofing story the rest of the year: live oaks and pines over every subdivision drop limbs in a windy front, and a limb that rubs a shingle slope wears through it in a few seasons. The 1990s roofs are now at the age where insurers ask.
This site connects Fruit Cove homeowners with an independent local roofing contractor by phone. It does not perform the work.
A limb through the roof is a storm damage roofing job, tarped the same day. A 1998 shingle roof past 20 years is a roof replacement permitted through the county. A roof on a 2005 house that has never had a wind mitigation form is a form away from a lower wind premium.
Bartram Trail High School on Longleaf Pine Parkway, part of the St. Johns County School District, is the landmark most crews use for the center of the community and one of the reasons families keep moving here. Permits run through the St. Johns County Building Department.
Call (904) 895-7548 to be connected with a local roofing contractor serving Fruit Cove.
A lifted shingle after a nor'easter, a rusted fastener line on island metal, or a flashing seam at a chimney, traced to the source and fixed in writing.
Tear-off to the deck, new underlayment, and a new shingle, metal, or tile roof permitted through the county, the city, or St. Augustine Beach.
Tarping, photos, and repair after a named storm, a nor'easter, or a live oak limb opens the roof.
A walk on the roof and a look in the attic, written up with photos for a purchase, a renewal letter, or a post-storm check.
Standing seam and 5V panels specified for salt air from Vilano to Crescent Beach, with the fasteners and trim the ocean side of A1A demands.
The state form that records deck nailing, roof-to-wall straps, and roof shape so the wind portion of a Florida premium reflects the roof you have.
Roof work inside the city's HP zoning districts, where a Certificate of Appropriateness from the review board comes before the permit.
What to photograph, what a written roofing scope gives your adjuster, and how Florida's claim deadlines and roof-age rules work after a storm.