I understand that the original question was based on assessing Florida shore diving conditions, but since it was put in a general forum, I'll add some general thoughts.
The most important thing about assessing shore diving conditions is to know WHAT conditions you need to assess! It sounds as though, where the OP is, surf is the biggest concern, as it often is in Southern California and Monterey. But even then, there may be specific characteristics of a given site that determine how MUCH surf is safe to essay. Monastery Beach in Monterey comes to mind, where a very sharp shore break combines with the surf to make even modest waves difficult to dangerous. The site can look pretty benign to someone with surf diving experience, even when it is absolutely not.
In Puget Sound, you could walk up to any number of sites and think they looked peaceful, only to get in the water and find yourself being rapidly swept away from the only exit. We don't deal with surf, but our dive planning is intimately involved with tides and currents -- and again, the specific topography of a site can make it diveable with certain currents and unsafe in others.
Research pays off -- research through local dive shops or clubs, local websites, and local divers.