Wind mit Scenerio #8

I think it is a tough question to answer. Three of your choices are not roof to wall connectors.

Did you mean to ask which choice on the form gave the least discount? If so then I think that toe nail and all of the others that are not connectors would count.

If you meant which connector is the weakest then it would be the toe nail. As it is the weakest from the choices available that are a connector.

Page 101 of the manual states 4 nails with 3 on one side on one on the other.

It also states that any connector that has an installation issue should be listed as other with an explanation.

All true… Plus they are raising rates anyway… And if you put “other” it counts as toenail anyway. The agents/underwriters computer systems are not as sofisticated as the new form.

Would that be Bill Yorks manual? Is there a way to attain one. Mine is an Exam school manual of about one and a half years old.

Yes it is Bill manual. I see that he has 2 new classes available. One in Palm Beach and one in the panhandle.

I would contact him about the manual.

Thanks. The manual I have states “Check to see every tie down bracket is held by 3 or more nails”. It sounds like Bill York is being considered the industry standard. No offense intended’ but how did this come to be.


As usual!!!

A Couple of notes about Bill York; He has been involved with this process since inception. I have no idea how many inspections he has performed but I am sure not only has he seen it, but discussed it with many. Wind mits are about knowing what to look for and documenting it properly. There is much interpretation to the code and the insurance requirements. I believe he knows, probably better than anyone what the insurance companies(as a whole) are looking for. I think that there are many people who know what they are doing, but he is a standard, right or wrong.


I don’t know for sure, but i believe Bill just took the initiative to dig a little deeper for generally accepted answers to controversial scenarios, much like we have initiated hear with our discussions. Perhaps after awhile we few that kick these scenarios around will be looked upon as experts in the field as well. At that point in time, perhaps we should put together a class as well, it does appear to be lucrative. I believe that Bill Yorks class is somewhat looked upon as the industry leader, not necessarily the industry standard. He is not making the rules to my knowledge (although i know he is very iinvolved in initiating changes), he is simply finding the answers to the discrepancies and sharing his findings with us for a fee, which we aremore than happy to pay

He’s certainly got a lot of support and respect on this board. I will take that as good a reason to take his course as any. I appreciate the feedback. Lets keep up the discussion on these. It’s amazing that nine little questions on a form could be so complicated simply because of lack of definitive explanations.

And we are just getting started. It would be good if a few more people took part. We get a lot of views, but minimal input. Sometimes its good to hear the wrong answers so that those that know the correct answer can explain why. To the viewers out there, don’t be afraid to ask this forum for input, we are all just trying to make the best educated guess

great post john, we all need to add posts such as this to bring out the gray areas of 1802.
i would say that from the pictures I woud rate the connection as other in that a strap or clip while providing uplift must also provide lateral support. Because the strap is not shimmed solidly to the truss it has no lateral support.

Here is another interesting topic. Why does OIR-B1-1802 require that a strap be bent over the top of a truss and have at least one nail in the oppisite face when that is not required by the building code.

Florida Building Code Residental 2007
Chapter 8
Code Artical

A continous load path shall be provided to transmit the uplift forces from the rafter or truss ties to the foundation. For rafter construction, straps and or clips shall extend such that the top nail is within 1" of the top of the rafter, or shall be wrapped around the top of the rafter with one or more nails installed on the oppisite face of the rafter

Many of those ‘views’ may be from inspectors not in Florida, such as myself. I suspect many don’t post due to the fact that we tend to get ‘bashed’ by a handful of Florida inspectors with attitudes because it’s a “Florida issue” and doesn’t concern us. So, why bother. Personally, I don’t give a damn what those “my sh*t don’t stink” inspectors think. If it’s related to building science, I’m gonna read it, educate myself, and offer my opinion whenever I feel compelled to do so, as witnessed earlier in this thread.


Keep reading and posting is not that the purpose of the these forums to gain knowledge, I personally like reading about what is going on in differant regions of North America

Exactly Mark.

As for Wind Mits, Florida may be the only state with a wind mitigation program, but I guarantee you that Florida does not have a monopoly on high winds, or the need for high wind resistant construction. Ever hear of tornado’s? Ever visited the East slope of the Rockies? Or the High Plains of the Upper Midwest? Many areas of the country deal with high winds on a daily/weekly/monthly basis, not just when the occasional tropical depression/hurricane force winds move in, a few months of the year. Not belittleing what you guys have to deal with, as I know it’s severity first hand. I’d love to perform a follow-up inspection of a few of the aforementioned inspectors on a home outside of their own backyards.

Wind mitigation is not limited to Florida, Florida was the first for obvious reasons. I heard that NJ was looking at also. I personally like to see other points of views. Other areas of the world have different construction issues they have to deal with, many of, I am glad I do not need to be concerned with.

After living in the North East for many years I am glad I do not have to inspect those home. I have nothing but respect for those that inspect those older homes. I assure you it is much easier to inspect a newer slab on grade home here in Florida, no basement, no, crawl, and next to no attic. All that being said there are several unique items we pay attention to and may seem to do some items backwards. When you build in a hot and humid environment some things have to change.

Wind Mitigation reports are unique to the fact that they are not about building codes, but statistics. These are the items that insurance companies track. It is about loss prevention and not if the proper code or better than code being followed. Anyone doing insurance inspections must just accept it.

John you hit the nail on the head. The Wind Inspection is an Insurance inspection. Insurance is about statistical data and loss prevention.

The Insurance Industry has designed the form to represent statistical data of expected losses related to their understanding of struction details.

In the Insurance world, an inproperly nailed Strap, is equal to a Clip.

It does not have to make sense to us. We simply have to be aware of the requirements for each rating and be as accurate as possible.

Just did a check of the IRC and found that there are 26 states that have “Special Wind Zones”