Good morning, I am a member inspector and also an insurance agent in Florida. I have come across an inspection by another inspector for a home that has a hip roof with concrete barrel tiles with a room addition on the back of the house that has a low pitch roof. The inspector is calling the entire home a flat roof because of the 10% rule, but I am of the opinion that because it is a separate, but attached room it is considered an additional structure. It makes a big difference in the insurance premium. What exactly does the code say about making this determination? The common wall is still in place. Thanks.
I assume the room addition is enclosed and not an open porch, if so, then it goes into the equation. The current 1802 does not allow a flat rating for SFR’s. The selection is “other”.