Wind Mitigation Update
Good Sunday Morning Everyone. Been a few weeks with our blog and we have an exciting one for you. This week we want to talk about Wind Mitigation. But not like we talked about before. And also before you start making some purchases such as hurricane wind resistant devices, its a good idea to check to see if they will give you the credit on home owners insurance. And last, we want to talk about town home wind mitigation reporting. Yes, believe it or not you can get one as well. So lets begin.
When we talk about wind mitigation reporting the report is to identify to the insurance company about what kind of devices you have on your home to receive proper credit from the insurance company. Now all insurance companies will be different as far as credits. For example your home may have single wraps or toe nail credit. The home may had a new roof installed and you never received the proper F.B.C. credit. Or you upgraded the garage door, windows or entry doors. Again, another credit that its not looked at. Even when you add this type of upgrade after the previous wind mitigation report, its good to always update this with the insurance company. Also, always ask about the Secondary Water Resistor when getting a new roof. This is one credit that may cost a bit then but will save you time and time again.
Now the garage door needs to have a wind speed verification for the credit. The windows have to be impact resistant and have an approved code on the windows or noted on the paperwork. The engineering devices and nail spacing is determined as well and is an additional credit. Now you say, I have shutters, or wind resistant screens, or wood panels or we had a storm coming in and made up the cover and do I get credit. Well that answer is maybe. Here is why. The shutters will be stamped with an approval code on them. The wood panels have to meet the FBC 2007 Edition of Table 1609.1.2. And yes we verify that. The screen system is a sticky subject. Some systems will state its approved by the Florida Building Code. Got it. But it is not approved for the proper credit for wind mitigation. Also, you may want to check to see if they are ASTM approved. I mean come on. Why spend all this money that you think will protect your home and then you find out, well nice system but sorry no credit. (True story) Additionally, you have one type of check off that it maybe approved or not and that is determined by the underwriters of the insurance. It can’t be verified, maybe due age and can’t read the coding. Or a make shift item and looks like an approved system but not sure. Check with the insurance agent about this. Again, why waist time and money.
Now lets talk about wind mitigation for flat roofs, mobile homes and town-homes. Yes you deserve the proper credit for these as well. Some people may say, I do not have attic access. That’s ok, we aren’t going to demo the ceiling to try to get in the attic. You too get some type of credit. For flat roofs other then two types of credits your home still applies to most of the inspection report. And for town-homes your home even though connected still gets the credit it should deserve. For example garage and entry doors, windows, shutters, etc. Then we have the mobile home or manufactured home. I want to clarify that mobile homes do not “Normally” get a wind mitigation report. They always get a 4 point or roof certification report. Now keep in mind I said normally. If you upgrade your windows and door to hurricane resistant, have installed shutters, call us. Even if we do not service the area such as Tallahassee or Miami . However, we do service the Greater Tampa Bay area from Crystal River to Sarasota, and from Tarpon Springs to Sumter. We can refer you to an inspector that can assist you. For more information about wind mitigation go to: https://www.emeraldinspectionservice.com/wind-mitigation.html or call us anytime at 352-322-2700. Thank You and blog at you next Sunday!