Looks like Ceiba speciosa, common name Silk Floss tree, quite common in Florida now. It probably does make a large root system, but there are loads of images on line of this tree, many of which show it growing quite close to walls and houses, so whether its actually a problem or not, I don't know. I would have thought it was, but maybe Tugbrethil will have something to add on this.

Like most trees, it will lift pavement and crack walls sooner or later. Part of the problem is that it was marketed as a small tree back in the '70s and '80s. Of course, like most such, that cute little blooming tree for the first few years eventually gets huge.

thanks Tug, have passed your info onto daughter.