In reality these forms prove nothing. Some of the documentation that they are asking for can easily be obtained on line or through a simple phone call to the building department.
Some of what they are asking has no bearing whatsoever on insurance costs.
Go line by line. Some of the older homes built before the new codes went into effect are stronger. or as strong as the homes built today. The real problem in homes comes from the 70’s up until 1994 or 2001. Hurricane Andrew proved that. This information is obtained on line at the appraisers web site.
That would also cover the roof covering. The old form says predominant covering. The new form addresses all roof coverings. Some older roof systems are in great shape. Should they be denied just because of age. Most of the ones that need to be replaced have already been replaced (but not all). For those that have not, a simple check on permits, depending on the age of the roof, should suffice.
The nailing pattern and decking is one item that maybe should be checked by an inspector, as some of the 1970 - 1990 home (HVWZ may be different). Your area may be different - correct me if I am wrong.
SWR - almost impossible to check in most cases, especially when that want a picture. Research needs to be done at the building department in most cases for documentation.
Roof shape - most homes can be done from pictures on line. A few cannot. Maybe certain homes would have to be measured. But are you telling me that some of these 50 or 60 year old homes in Dade county cannot survive a hurricane just because they have a gable end. Hell, many of them are stronger than newer homes. Most of them were designed differently than homes today. They are more compact. They don’t need a inspection. What they really need is an engineering analysis to prove uplift.
Gable end bracing. That is something on the homes with large gable ends that may need an inspection. But I am also wiling to bet that over 50 percent of the inspectors out there cannot identify proper gable end bracing. There are other methods, other than what we look at that would meet the standards.
Opening protection. OK. You may need someone to verify this. But why can’t the homeowner send in his own pictures and backup paperwork.
I know every inspector who reads this is going to say “what the hell” because many of them make a lot of money on these inspections. But do these inspections really benefit the consumer. Not when they pay for one thing and then have a re-inspection and are told another thing.
In my opinion, and it is only an opinion, the insurance companies need to hire / employ their own assessors / inspectors to conduct a survey on the property to cover all aspects of what they need. If a homeowner disagrees with their assessment, then an independent inspector should be hired. Those inspectors could very well be home inspectors. But right now the system is totally flawed with the way it is being done and it does no service to the homeowner. All it does is create jobs for inspectors and lot of industry confusion for both the inspectors, homeowners, and insurance companies.