#RAFTER STRAPS CODE#
Which building permit date is used for the Building Code section of the wind mitigation form?.Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida?.What is checked during a wind mitigation inspection?.How long does it take for a wind mitigation inspection?.Who can perform a wind mitigation inspection in Florida?.How much does a wind mitigation inspection save on insurance?.Here’s links to a collection of our other blog posts about the WIND MITIGATION FORM: So, if cost savings and payback time are your primary concern, check with your insurance agent first for the approximate dollar savings for the upgrade. Upgrading the connection means you roof is much less likely to blow off or suffer severe damage in a hurricane, and what that additional level of safety for your home and your family is worth to you.Īlthough the maximum discount allowed for roof-to-wall connections is about 35%, it can be much less-depending on the insurance company and the other hurricane-resistant details of your home. But the second factor is the hurricane-resistance of your house. The first is the number of years it will take for the insurance discount to pay back how much you spent, which may be more than a decade in some cases. Is the cost worth it? There are two factors to consider. The price can vary between $1,000 and $4,000-plus. The fix can be as simple as adding a third nail to each truss or rafter connection in the attic, or as complicated as having to remove the soffit all around the house and installing new connectors from outside, then replacing the soffit.
#RAFTER STRAPS UPGRADE#
It is possible to do a retrofit and upgrade the connections to get the discount and there are contractors around Florida that specialize in it. So if it doesn’t meet all these standards, even if only at one or two locations, the discount is voided and the inspector must mark the connection as equivalent to toe nailed. The inspector must rate it based on the weakest connection.
When you have a wood roof structure like most homes, then it must meet the following four criteria for the discount: See our blog post What does toe-nailing mean? if you are not familiar with the term. But it does indicate that the roof structure connection is inadequate by today’s standards. It does not necessarily mean that your roof has been toe-nailed to the wall below, although most pre-1960 houses are done that way.
#RAFTER STRAPS VERIFICATION#
You lose a big discount-up to 35% off your windstorm insurance cost-if the inspector marks the box for Toe Nails on Section 4 - Roof To Wall Attachment of Florida's wind mitigation inspection form ( Uniform Mitigation Verification Inspection Form, OIR-B1-1802).
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