Wind Mitigation Inspection - Windstorm Insurance Certification

      simulated hurricane "Are you prepared"

 
What qualifies for an Insurance Discount : Existing houses have one or more of these wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind resistive construction features and will likely qualify for significant credits. A windstorm mitigation inspection will certify your homes existing construction features. We will provide you  with a wind mitigation certication inspection report.

A. Roof coverings, such as shingles that meet the FBC Requirements.

B. Roof decks that have been installed with large nails and close spacing.

C. Hurricane clips/straps that hold the roof structure to the walls.

D. Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems.

E. Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm.

F. Newly Constructed Homes built to the Florida Building Code since March 1, 2002

G. Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.

Please note that insurance companies may have more features that qualify for credits such as doors and gable end bracing. 

  SHOP AND COMPARE : WINDSTORM INSURANCE RATES

 Search for your insurance company for WINDSTORM discounts  .......

  Construction Mitigation Impact on Property Insurance Rates

"Construction mitigation" refers to actions taken to permanently reduce or eliminate long-term risk to people and property from the effects of hazards. Under Florida law, property insurers are required to offer Florida homeowners "discounts, credits, or other rate differentials, or appropriate reductions in deductibles" for construction techniques that reduce damage and loss in windstorms (section 627.0629, Florida Statutes). Fixtures and techniques include, but are not limited to, those that enhance roof strength, roof covering performance, roof-to-wall strength, wall-to-floor-to-foundation strength, opening protection, and window, door, or skylight strength. windstorm mitigation inspection_wind mitigation inspection_wind mitigation certification wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification, commercial mitigation inspection,wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification, commercial mitigation inspection, wind mitigation inspection, windstorm insurance mitigation
Windstorm Requirements


Discounts may also be available for a building with an approved sprinkler system (section 627.0654, Florida Statutes).

For mobile home owners, insurance discounts may be available for construction that complies with American Society of Civil Engineers Standard ANSI/ASCE 7-98 and applicable Florida tie-down requirements.

Reductions in the cost of homeowner insurance are not automatic. Here are steps and requirements (may vary with each insurance company):

• Each home is evaluated on an individual basis and based on an inspection

• Inspection by an individual approved by the insurance company

• The insurer may require you to pay the costs associated with the inspection (if you request it)

Although a reduction in the cost of your property insurance is a good incentive to build (or re-build) stronger and better, the best reason will always be for the protection of you, your family, and your valuables.

Citizens Insurance Appraisals

  Due to the recent requirement changes by Citizens Insurance, all commercial insurance recipients are now rinsurance underwriting. These replacement cost appraisals are needed to determine the correct insurable coverage amounts, and must be submitted prior to approval and insurance binding.
We have completed many insurance appraisal reports and have extensive knowledge of the underwriting guidelines and requirements required by Citizens Insurance’s underwriting department. This allows our firm to complete quality reports much quicker than the normal appraisal office.

.Cost data is obtained from Marshall & Swift/Boeckh, a leading provider of building cost estimating software to the  Insurance Industry. Cost data is collected on a nationwide basis and localized to the subject zip code and include local considerations such as climate and regional material and labor costs. Cost estimates include labor, material, normal profit and overhead and include generalities and assumptions that are common to the types of structures represented. wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification, commercial mitigation inspection,wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification, commercial mitigation inspection, wind mitigation inspection, windstorm insurance mitigation

ROOF INSPECTIONS wind mitigation inspections

Roof inspections are a critical aspect of your home. Be assured of the existing condtition of your ROOF. Remember after the recent storms alot of roofs were damaged , NOT ALL WERE REPAIRED. Many people would prefer not to inspect their roofs themselves. Roofs can be pitched at very steep angles and pose quite a challenge to those leery of heights. Inspecting the roof from an attic or crawlspace full of spiders and other creepy inhabitants may not be too attractive either. Another issue is most people are unsure of what to look for. Leaks can be hard to track – water travels downward and the damage can be far from the actual leak. Because of this, hiring an expert to inspect the roof for you is something you should consider.
We offer full service, unbiased roof inspections and will provide you with a detailed report of our findings complete with recommended maintenance and repair suggestions. Please contact us for quotes.wind wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification, commercial mitigation inspection,wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification, commercial mitigation inspection, wind mitigation inspection, windstorm insurance mitigation mitigation inspection-windstorm mitigation-inspection
4-point-insurance-roof strap-wind mitigation+windstorm+mitigation+4-point+insurance+retfofit                                                Schedule your Inspection call                              (786)282-9031

  What is a 4 point inspection?

 As a State of Florida Certified General Contractor . I can provide the services you need to address the situation with your local building officials. These are very important issues which should be addressed upon notification! Fines will begin to accumulate and the possibility of a lien may be possible . We will consult with local building officials; Provide as-built drawings (as required by a Licensed Architect) ; Perform Certified Inspections by Licensed Trade Professionals ; providing the structure was up -to the bldg. code at time of construction- a certificate of occupancy. Finally , we will represent the home-owner , possibly reducing the fines assessed on the property.

BROWARD COUNTY_ LATEST GUIDELINES

Broward County Board of Rules and Appeals Policy 07-01 Effective 10-12-07
Hurricane Mitigation Retrofits for Existing Site Built
Single Family Residential Structures

Effective Date October 1, 2007 except opening protection which is effective July 1, 2008
Based on HB 7057

Q. Do these requirements apply to duplexes and townhouses?

A. No, they only apply to stand alone site built single family homes.

I. Supplemental Fasteners and Secondary Water Barrier
A. Trigger: When a roof on an existing site-built, single family residential
structure is replaced.

B. Requirements:

wind mitigation inspections
1. Roof deck attachment and fasteners shall be strengthened and
corrected as required by section 201.1.  

2. A secondary water barrier shall be provided as required by
section 201.2.
C. Guidelines

Q. Is there a required certification for the supplemental fasteners and
the installation of the water barrier?

A. Yes

Q. Can the certification for re-nailing and secondary water barrier
installation be satisfied by an affidavit as opposed to an on site
inspection by the local building department?

A. Yes.

Q. Who can perform this certification?

A. Florida Professional Engineer, Registered Architect, Licensed
General Contractor, Building Contractor, Residential Contractor or
Roofing Contractor or persons certified in the structural discipline
under FS 468 including Standard Roofing Inspector.

Q. Can existing sheathing fasteners be used to satisfy the
supplemental requirement in Table 201.1 where wind speed is
greater than 110 mph?

A. Only if the existing fasteners are 8d clipped head, round head or
ring shanked and spaced at 6” or less on center.wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification, commercial mitigation inspection,wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification, commercial mitigation inspection, wind mitigation inspection, windstorm insurance mitigation

Windstorm Requirements
To be considered Fortified against windstorms(windstorm) in Florida, homes must include features that address protection of the building envelope from windborne debris, wind resistant roof coverings and underlayments as well as proof of a continuous load path from the roof to the foundation of the building.

Building Envelope Protection: All entry doors, windows, skylights, patio doors and garage doors must be tested and certified to meet impact resistance and pressure standards. If the units themselves are not tested, then they must be protected by a protection system (storm shutter) that meets the impact resistance standards. Systems must be compliant with ASTM E 1996, SSTD-12 or Miami-Dade County protocol A 201.

Roof Construction: The roof framing, sheathing and covering all must be constructed to resist wind pressures. In order to accomplish this, the following criteria need to be satisfied:
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Gable end roof framing must be braced back to the interior portions of the roof and ceiling structure (both top and bottom of trusses)
Roof decks must be at least 19/32” thick plywood and fastened to roof frame with minimum 8d ring shank nails @ 6” on center throughout each panel and 4” on center directly into the last truss or rafter on all gable ends.
All roof deck joints must be sealed by a self-adhering polymer modified bitumen-roofing tape to provide a secondary moisture barrier (these materials are also referred to as “flexible flashing”). Products must be installed per the manufacturer’s recommendations (some require rolling after application).
Minimum 30# roofing felt (or equivalent) must be used as underlayment for the roof covering.
Roof covering must be certified for use in hurricane regions (i.e. Miami-Dade approved or ASTM D 3161 revised to 110 mph) and installed per manufacturer’s recommendations. Only a single layer of covering is permitted.
Adequate Load Path: The load path from the roof to the foundation of the home must be readily verifiable. This includes:

Hurricane straps or other hardware that connect the roof to the walls installed in per manufacturer’s recommendations.
Concrete block walls vertically reinforced every 4 feet and at all corners and ends of openings (minimum #4 re-bar)
Inter-story details strapped to provide a load path from the upper story to the lower story.
Wall-to-foundation connection a minimum of once every four feet and at all corners and wall openings.
Securely anchored connections for exterior structures such as carports and porches that attach to the main structure of your home.
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Homebuyer’s pre-closing inspections
Sometimes referred to as a "general home inspection," these are booked prior to closing on either brand new or existing housing. The inspection covers hundreds of components in the home and includes a written report clearly outlining safety concerns and the current condition of the home. The report gives buyers the information they need to make the best decision and prepare for future maintenance.
Homeseller’s pre-listing inspections

A general home inspection completed prior to listing or selling the home to give current owners an idea of maintenance items to address. A pre-listing inspection also helps inspire confidence in prospective buyers regarding the condition of the home and reduce time spent in contract negotiation because an unbiased, independent inspector has reviewed all major systems.

Windstorm Mitigation Certification

To qualify for a Windstorm Mitigation Discount and/or rebate on your existing homeowner insurance policy, insurance companies require a licensed building professionals certification of the structure. Our $140 inspection fee will cover all related aspects of the wind (windstorm) mitigation inspection and certification.

We can also make suggestions on ways you might even increase your discount.
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Questions and Answers

1) How do I know if I will qualify for a Windstorm Mitigation discount?

Just “Schedule a wind mitigation inspection” call us at (786)282-9031. You have nothing to lose and potentially you can save thousands.

2) Do I need to have hurricane shutters to qualify for these discounts?

No. Many other construction features can also qualify.

3) What are you going to inspect and how long does the inspection take?

Our licensed Inspectors will only check those items and construction features specifically listed on your insurance carrier’s windstorm mitigation form (nothing else is inspected or reported to the insurance company). Since we already work with every major insurance carrier in Florida we already have the forms you need. The entire inspection will only take 20 minutes at most.

4) When do I pay you?

We require payment at the time of the inspection.

5) Why are insurance companies offering the discounts?

The state legislation adopted provisions for a new statewide building code (the 2001 Florida Building Code), which became effective on March 1, 2002. The same legislation included a requirement for insurance companies to provide property insurance discounts for homes that have construction features that reduce the losses in a windstorm. Each insurance company was required to submit new rates by February 28, 2003 and include discounts for wind damage reduction (mitigation) construction features. The discounts are justified because stronger, more wind-resistive houses have lower windstorm losses, and lower windstorm losses mean reduced costs to insurance companies. The insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code. These new insurance rate discounts in Florida began to take place in 2003. They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). To qualify for these discounts, most insurance companies require a certification of the key construction features.
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6) What construction features qualify for windstorm mitigation discounts?

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The following figure shows typical features that reduce wind damage during a windstorm. Over 90% of existing houses have one or more of these wind resistive construction features and may qualify for some windstorm insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind resistive construction features and will likely qualify for significant windstorm mitigation credits.

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Wind Mitigation Commercial Inspections

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Wind Mitigation Inspections are available for all single family homes, townhouses, condos and commercial buildings. Homeowner's and Condo Associations also qualify for wind mitigation credits. Call to see if a Wind Mitigation Inspection would be recommended.

Raciel Sanchez , CGC,CUC,CWMW,ACA                                                                                                                                                                               

(786)282-9031

 

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SERVING: Miami, Miami-Dade, Broward counties-- Florida wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification, commercial mitigation inspection,wind mitigation inspection, windstorm insurance mitigation , wind mitigation discount certification

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