Capital Expenditures in Florida

[Pat L.]

Thanks to the BP community for your posts on Capital Expenditures. I potentially would have let wishful thinking influence me to underestimate these expenses.

Obviously, it is best to estimate these expenses on a house-by-house basis. But, as a starting point when looking at pro-formas for Florida homes, do you have any tips? For example:

• with the weather being what it is in Florida, what would be the estimated cost and useful life be for a HVAC system? I would imagine it's shorter than average. 
• Would a roof have a shorter expected useful life?

As always, any advice would be greatly appreciated.