Had a question from a buddy who is also an inspector. He inspected a home, and the home had a few flat roof portions and a few hip roof portions. How would this be marked on a wind mitigation form? Other? Would be a shame to mark other when the features are hip and flat. I know we always go weakest form of protection, but would it be float iff a majority of the features are flat?
10%. Get the building measurements off the county appraisers site. Measure the bits non HIP.
That Square flat section is likely to be more than 10% unless there is a huge roof section I cant see.
You’re there (or your buddy is there) to verify how it was constructed, not hand out credits. Stick to the form and answer as instructed.
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I know my role as an inspector i guess you missed the point of the question. If you have equal hip and equal flat sections (something i haven’t come across) we both considered the fact that the roof would perform the same as a hip and flat roof so why wouldn’t the homeowner get some sort of credit for that. The insurance broker had a hard time with this one as well.
The program was created by a consortium of non-construction “experts”, and what they require isn’t necessarily based on building science.
Because it does not matter what you may consider.
Enter answers on the state prescribed form. The carrier will then determine any credits.
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There in lies one of the problems. The insurance carrier/agent had a hard time with this one as well. Unfortunately for us in the Floriday Keys the difference in a few roof mitigation credits can be the difference in a $2000 a year policy or an $8000-$10000 annual premium. I’ve seen more wind mitigations kill deals than anything else down here. I’m sure that’s why the question asked above has involved so many people including this forum. Unfortunately, the folks who us inspectors have to maintain healthy relationships with (the realtors) don’t fully understand wind mitigation. I always find it best to utilize multiple sources to provide the best answers for our customers while maintaining integrity in our industry.
Tell him I have a hard time understanding why his rates are so high…
Seriously, it isn’t something they should be questioning once you explain the choices you have to pick from on the program.
It was, in fact, their industry that created the program after all. We’re just tasked with collecting data.
Absolutely correct
Agent’s duty is to submit a WindMit by a licensed inspector without question.
The law states they will submit, not question.