Wind Mitigation Inspection – 7 Ways to SAVE $$$ on YOUR Homeowner’s Insurance!
If You are Already SAVING – Don’t Lose YOUR Insurance Discounts,
Be Prepared for that Pesky Re-Inspector!
Page 5 of 8
4) The fourth mitigation credit available is the roof to wall attachment. This is the credit most people talk about, they want to know if you have “clips”! This is one of the better mitigation features in terms of credits to your insurance premium. It is also one of the better mitigation features as it pertains to the safety and wind resilience of your home. It’s one thing if your roof covering blows off (i.e. shingles); it’s a whole other level if your entire roofing system blows off!
In many areas of the state, if your home was built in the mid 1970’s or later you often have hurricane clips (there are many exceptions to this, especially in rural parts of Florida). Against popular belief, just because you have a new roof covering doesn’t mean you have hurricane clips. Yes, it is possible to install them while the roof covering is off by cutting out a portion of the roof deck along the perimeter of the home. However, it is not commonly done on a typical re-roof as many homeowners may believe.
We actually see hurricane clips as far back as the 1950’s, but these builders often skipped a rafter when installing them and in order to get the discount they must be attached to every rafter/truss.
Not often, but we also run into cases where the clips (or wraps which we will not cover in this article) are installed incorrectly. It is important that each clip has a minimum of three nails attaching each side of the clip and, like mentioned above, it is important that a clip is attached to every rafter/truss and does not skip any rafters or trusses.
How to know your roof to wall attachment rating and how to prove it: From your attic, look toward the edge of your home (you will likely have to move insulation around to see) where the rafter/truss and your exterior wall meet. On one or both sides of that rafter/truss you should see some type of metal connector between that exterior wall and rafter/truss. If you do not see any metal you likely just have nails holding your rafters/trusses to the wall, commonly referred to as Toe Nails. One common exception is if the clips were installed from the outside after the home was built possibly as part of a home mitigation program. Sometimes the way these mitigation jobs are completed makes the clip more difficult to see. If this is the case, be sure your contractor pulled a permit and had the building inspector inspect the clips and sign off before replacing the eaves and covering the new clips back up. Be sure to keep any permits or documentation in your “Wind Mitigation Inspection file”.