I live in south fl. I have citizens ins. They sent an inspector out to see if the credit I got for my roof was warented, a way to raise rates again! Hr came, now they have sent me a letter raising my rate some $1400.00, when we already pay $2270…00 a year we are retired, according to them we have a single wrap on beams in the roof, in them each side has 1 mail, we need 2 nails on one side, one on the other. He took a picture if one wrap with a camera with lens that has brought it up as close as they could, calling citizens the employee could not tell me if there were one or four nails there, could not be seen on the enlarged photo, how could they see it with the naked eye, I called for a re inspection, citizens turned me down, even when no one can really see how many nails are in these wraps. They want to increase home owners ins., so they go about it with this backdoo deal hoping no one can afford to reinspect or it’s hard to prove. How can I deal with this? I can’t afford almost $4000.00 in home owners a year, over 2000.00 was a strain on us, plus flood of almost $500.00. This is crazy what do I do? F lorida has gone crazy!
Hello Bob, welcome to the situation here in florida with the wind mitigations and re-inspections. Best advice is to get a second inspection from a ‘superior’ wind mitigation professional. If you private message me, I will recommend one that knows what they are doing.
Once an accurate assessment of the situation is established by this inspection, we can advise your friend how to proceed. The re inspection may be accurate or not. The new inspection can also be used to dispute the first inspection or to determine how to improve the structure and identify were dollars are best spent.
By the way, 2 nails at the truss is common on many of the older homes. A 3 nail minimuim is required for the higher roof to wall ratings.
Bob honestly, I would be glad to help. Just like I helped several today. Helped seven yesterday. Still have 2 to help out this afternoon. This is a serious and common issue in Florida. But this lady is now part of a processes. Crying is not going to help her or change the situation.
My earlier advice is the best help she can get. Send me her address and we will help her locate an inspector.
You are welcome.
It is a shame what some of these insurance companies are doing. Same thing happened to my neighbor. Inspector “couldn’t find any wraps to take a picture of”!
Luckily, I told her to send someone up there to get a picture or eight and also the plans to the home that showed what strap was used.
She got her discounts.
Jay I do not see where you responded to her…the link is in my original post.
Been running that Blog/column for 5 years and people are still asking.
Gives you a good idea of what Bad Inspectors do to people.
I have the ice cream sandwich keyboard on my phone, and even sideways, it is hard to type accurately. I just speak into the phone and it is much quicker. I think the voice recognition has gotten used to my speaking patterns as it is pretty accurate now.
I need a keyboard the size of the one for my computer. Anything smaller, forget it!!
And I see that our phones will be getting the 4.0 operating system in July!