I have a client who is giving some kickback on a wind mitigation I did for them. They have panels stored in their garage but there is no permanently attached hardware around glazed openings to receive them.
Im second guessing myself…doesnt there need to be permanently installed hardware around glazed openings to receive credit (assuming the panels are all approved).
Pictures and more details would be helpful in answering your question.
I’ve never done a wind mit, but I’m stunned that someone is upset that they did not receive a discount for something that is not there.
There is no attachment hardware installed around any of the windows of the house. Additionally, the panels in the pictures I’ve attached, if they’re made of wood, look as if they don’t follow the fastener guidelines for table 1609 in FBC. I’ve responded to the client to ask what material they are- still waiting for a response.
They (or you) need to provide the Product Approval for those panels. My first thought is that the PA does’t exist.
Looks like crap plywood to me. As you said, no bolts not ready to deploy.
If there were bolts, holes on walls, etc They’d be rated as
other protective coverings that cannot be identified as A, B or C (code)
I see this a few times a year and tell them it works for “protection but not for discounts because the building code is very specific.”
Research the exception in the FBC and get used to breaking hearts and minds for protection.
Pretty much exactly what I say, by the way.
Yes the hardware has to be pre installed on all openings to get the credit. And all panels have to have the Miami-Dade product approval. A lot of times the push back I will get on these Wind mitigations is for a credit that they got before on an old report that they don’t actually have and never did. The inspector who completed the old report either hooked them up or didn’t know what he or she was doing. So when the client gets a rate increase from their insurance because they’re wind mitigation report changed you’re always going to be the enemy and you did your job wrong. Often I will get that call from an insurance agent saying “well the other inspector said” blah blah. Off topic for a second, do any of you get tired of hearing that? The other inspector said? Lol. Nobody will ever complain if the mistake was made in their favor. When completing four point and wind mitigations a lot of times that’s what you’re going to find. If you’re not telling the client what they want to hear, you are a crappy inspector in their opinion, even though the roof is leaking and 20 years old, two double TAPS in a breaker panel, and it’s the inspector fault they didn’t get insured. I do not always do this but I make an effort to do it as much as possible. I look up the permit information for the house if I see anything that may be disqualifying for insurance. I advise the client. I would say something like this “sir ma’am” your roof is 20 years old now and there’s a good chance I’m not going to be able to give you enough life expectancy on it to get insurance but if I come out there I expect to get paid. That way I’m giving them the choice. On these types of reports people think they’re paying for result not a service.
Strong response to the beloved insurance agent.
4-6 times annually I have to “educate” their butts.
I’ll usually make it a softer message but still get reality out there.
So agent… … … stop your crap & SUBMIT my report.
Florida Statute 627.711 authorizes me to produce the 1802 form by way of my licensure, what it does not do is give insurance agents the authority to question my techniques or not accept my form. FSS 627.711 states unequivocally that the “insurer shall accept as valid” any form signed by an authorized wind mitigation inspector. By not accepting my form, you are in violation of state law. Make no mistake, I am the construction professional here, not you.
As a licensed professional, authorized by state law, I decide what the findings are by using specific recognized construction standards and the required training of my licensure. If you do not accept my form I will report you to the proper authorities as in violation of the law by way of not accepting a legal document from a licensed, authorized, inspector simply because you don’t agree with the outcome.
“Shall accept as valid” means required and not optional.
Yeah and just because another inspector said blah blah, does not mean I am wrong! Give me some documentation that I’m wrong not another persons error or opinion and I will update the report accordingly. The “other inspector said” comment is social psychology. It’s purpose is to question your reality, and skill set to get you to change the report. That’s all it is! Real estate professionals will do the same thing. The listing agent tactic usually goes something like this. Before the inspection you might hear something like this. We had a roofing contractor out here and he says the roof is good. I get there, the roof is 17 years old and the granules are gone or badly deteriorated. Then ask the realtor where the report from the roofing contractor is. Oh he was just a roofer I know and he did me a favor and didn’t write a formal report of his findings. 
The BIG red flag goes up as soon as they say everything (roof, etc.) is wonderful.
