I hope for the biggest and baddest ever with no personal injury or death 
That means we won’t have another major until I am dead and buried.
I want to say Thank you to all of you for your insight on my issue. I knew this was surface rust from the start but after calls to insurance and inspection company, I could tell this would be a battle. I feel confident now that I can convince my insurance that this was not a valid opinion from the inspector. How many other people are being taken by opinion based reports like mine ? Does that look like a toe nail connection to anyone ? That is what really woke me up here to this report and got me doing my on investigation, calls to inspection company turned too arguments on their part, I was just asking simple question. FISHY ?
I would ask the inspector to prove that the rust was “substantial” as claimed.
As for toe nail vs clips vs wraps, the insurance company defaults to the weakest, and the least amount of discount, if they disagree with what ever is there.
Before you go and add a bunch of nails, make sure they are the correct type.
You may also remind the inspector and insurance company of this statement on the 1802 form:
hows 16 penny ?
Thanks to all who helped. The guy was quite impressed that so many were willing to offer their opinions and help
New email from Greg and my response please let us know if I am wrong about any of this.
From Greg:
You guys are probably going to hate me after all this. Mike you can either post this, answer it ,or make me research it, I enjoy and welcome a challenge that keeps my mind sharp. I was told by none other than the infamous tek guy that this vent had to go…and gable did not meet bracing specs, well first gable is 36" and less so my understanding is not required bracing…Please correct me if i’m wrong. 2nd gable bracing will not be a credit on new form. Why can’t I just shutter this vent with dade county approve material ? Thanks
My response:
[FONT=Calibri]Yes all you have to do is shutter the vent and I do not believe that there are any discounts for braced gables anyhow. I will post this to the rest for their opinion as well.
[/FONT]
Mike, gable vents don’t need protection anymore for the 1802. I believe this got thrown out with the MSFH program. While adding gable bracing is always a good thing, it will not result in a discount.
I seem to remember some insurers require it, even though it isn’t on the form.
Greg,
As I said in a previous post, you need to educate your inspector and while you are at it, go up the food chain with your insurance company until you can find someone who you can talk to.
At some point in time, these reinspectors are going to find themselves in serious trouble.
Mike, If there is a nail in that strap where we have no photo of the top where it might lay over the truss? PHOTO of other side req’d: from the new form:C. Single wraps
Metal connectors consisting of a single strap that wraps over the top of the truss/rafter, is secured with a minimum of TWO NAILS ON THE FRONT SIDE AND A MINIMUM OF ONE ON THE OPPOSING SIDE.
We were taught different in the continueing education courses but must flow with the tide of change, the reinspector will be wrong on the NEW form it’s anybodys guess if he is wrong on the old form if they are wraps. If they terminate at the top of the truss then they need another nail. But I thought I saw three nails on a subsequent photo of the opposite side shown later.
There are no corrective actions required for these straps to be straps on the new form provided they are within a 1/2 inch of the truss. The straps are cosmetically rusted, the rust present on them makes them stronger due to the elimination of trace elements in the steel due to the surface corrosion.
The reinspector is wrong if it turns out they are wraps if you use the new form end of story. I’d call him on it you can do as you wish. As far as the gables… who cares, new form solved that too.
Thanks for your comments Brian. Most of these Straps [installed as clips] terminate at top of joist, a few are bent over top and stop, I have found a few that wrap around and have a third nail installed. I have a album of pictures, I have removed wood from eves to gain access to each joist, I am physically checking each joist to ensure it will meet state requirements, it’s in my best interest. The rust is a non issue at this point. I feel my insurance does not want to give me credit where it is do, so I will dot the I’s and cross all the T’s here. Please keep comments and support coming. Thanks all Greg
Just spoke with a roofer to get an estimate on flat roof area work, and possible help with access to some joists, he’s running in to same type of insurance reinspection crap, 1 guy showed him a picture that did’nt even look like his attic. Am I the only one crazy enough to stand up here !
I tried to tell folks around here that pictures are used more for fraud than will ever be used to stop it. Send a picture and call it whatever they want and good to go. They are dangerous and prove nothing. To late now but maybe they will understand sometime this year 
You are not crazy, I am currently aware of at least one homeowner (he is a contractor and engineer and his son is a contractor/inspector/code official and has been vetted as an expert witness for federal constuction lawsuit testimony) who is preparing a fraud lawsuit against a reinspector and insurance company. Reinforce the home it is in your best interest, but don’t take the crap the insurance company is giving you. The flat roof issue should go away with the new mit form as of 2/1/12. Good luck.
My neighbor comes over and tells me the lady behind him lost her credits because, the re-inspector didn’t want to disturb any insulation in order to get a picture of what was, on the original inspection, a single wrap.
Wow that’s crazy Eric.
Did an W.M. last week and the ins. company sent the owner a copy of the new form to use. Also, educate me Meeker, in your first post you mentioned “clips” the pics I saw are straps to me. Clips are for wood connections and straps are for concrete/wood connections is how I was taught. Am I mistaken?
They do not go over the truss and attach to the other side.
Poof, you have been educated 
By straps I assume you really mean wraps :twisted:
To easy today. They keep standing up and I keep knocking them down. :roll:
Everyone must have worked today.
OK, sounds alright for you. I will still call embedded concrete to wood connections, straps, just not wrapped, which is a good distinction. IMO, it would be a clip if it were a bolted surface connection on the lintel/beam to the wood. Thanks for the feedback.
Since I had two inspections yesterday, I told my neighbor to have her call the company back and send someone out to get where they need to go to get the picture. I know all the models of homes in my neighborhood, and to get the picture, you have to crawl over some truss work to get to the garage section of the roof…where there is no insulation in most cases.
I told my neighbor to tell the lady that if the guy won’t go back, I’ll go over there and get the picture she needs. She offered me $50.00 so, I may do it today. It also appears others in the neighborhood are getting reinspected.
Could be lucrative and I may not even have to drive anywhere!:mrgreen:
Sounds like a quick 50 bucks to me. And most importantly a slap in the face to those re-inspectors!
Bert