In Florida, the looming threat of hurricanes and high winds underscores the importance of securing your home against potential damage. Insurance companies have stringent requirements for homeowners to ensure their properties are resistant to impacts from severe weather events. By taking proactive measures to mitigate risks, homeowners not only enhance their safety but also become eligible for insurance discounts and tax credits.
Understanding Roof Replacement
At New Roofs Group, we specialize in replacing roofs for existing homes in Florida. When installing a new roof, our process includes addressing structural components that enhance wind and hurricane resistance. This involves strengthening the roof-to-wall connection at each roof truss using clips, straps, or additional nails, all of which are essential for meeting insurance underwriting standards.
Following a roof replacement, a wind mitigation inspection is often conducted. This inspection report may highlight any deficiencies in the roof-to-wall connections, such as missing clips, straps, or insufficient nails, which could affect insurance coverage.
Enhancing Roof-To-Wall Connections
Protecting your home from extreme weather events is crucial, and there are various effective mitigation options available. Here are the primary types of roof-to-wall attachments (hurricane tie-downs) commonly used:
Toenail: Traditional method where nails are driven at angles to connect the roof trusses and walls. However, this method may not meet current insurance standards for wind resistance.
Clip: A metal piece that joins the roof to a wall truss without wrapping over it. Retrofitting clips is often necessary for older homes to comply with insurance requirements.
Single Strap: A metal piece that wraps over the wall truss and is secured with three nails, offering more strength than a clip.
Double Strap: Two separate metal pieces that wrap over the wall truss, each secured with three nails, providing even greater stability than a single strap.
Insurance Discounts and Credits
Insurance providers in Florida offer premium discounts to homeowners who take proactive measures to make their homes more wind-resistant. The type of roof-to-wall connection you choose can impact the discount percentage:
Toenail: Typically no discount offered.
Clip, Single Strap, Double Strap: Up to a 35% discount, provided the connectors have three nails securing them to the roof.
Frequently Asked Questions
What if I have clips or straps with only two nails? Insurance carriers usually require three nails in every clip or strap to qualify for a discount.
Do I need a wind inspection report for homeowners insurance in Florida? While not mandatory, having a wind mitigation inspection report can lead to premium discounts or credits.
Can I retrofit clips or straps to qualify for insurance savings? Yes, consulting with your insurance carrier and hiring a licensed professional for retrofitting is recommended.
At New Roofs Group, we prioritize the safety and resilience of your home. Our team is dedicated to helping homeowners navigate insurance requirements and enhance their properties' protection against hurricanes and high winds. Contact us today for a free consultation!
