wind mitigation / other or hip (need opinions)

What’s your take on this one fellow inspectors?

This house is listed as “other” based on my wind mitigation report; the agent quoted it as a “hip” before the mitigation.

changing from hip to other raised the rates $2200 / year taking the premium to about $6,000 / year

The roof is a permitted FBC tile roof and torch down ashphalt installed in 2006 in Ft. Myers FL

Come onnnnnnnnnnnnnnnnnnn…

Flat looks way more than 10% OF PERIMETER :slight_smile:

Just my humble opinion.

Lots of sketches at the property appraisers sites.

Mike’s Free Tip Of The Day

Do not concern yourself with any of the below items :slight_smile:

**the agent quoted it as a “hip” before the mitigation.

changing from hip to other raised the rates $2200 / year taking the premium to about $6,000 / year.** NOT EVER

Only reason it should come up is for you to tell them what is different, and you do not even need to do that if you do not want to.

No offense intended but you may want to take a refresher course.
I hear the nachi one is good.

Or feel free to email or call me anytime. I would be glad to help a fellow member anytime :slight_smile:

Not sure I would completely say in the same manner but I would have to agree with Mike

Not sure why Mike has to be a Drama Queen, but that one is pretty obvious…no sketch needed there.


I’am helping him learn to survive around here :slight_smile:

Just a little chop busting.

At least I offered to help ANYTIME as I have helped many others :slight_smile:

no doubt from the image, NON-hip.

I marked it as other or flat on the old forms

been doing these since 2008

the homeowner and the agent couldn’t believe it was non hip

pretty obvious to me just making sure my sight is still good

Thanks for the input.:wink:

Kevin House

“other” was the way I marked the form when I did the inspection.

agent and homeowner were wishing really big on this one (agents may need more training before they quote roof shapes)

you may have misread or maybe I didnt post my original one clear enough i saw it as a flat / other roof the agent had no clue talk to you soon.

I got you. The agent will learn from this. Most experienced agents will NOT quote hip, single wraps, or shutters until the wm confirms.

Unfortunately this is not a hip roof. It has a much higher risk of failing due to its shape in a high wind situation.

The hip roof credit is usally much less if the home has the trifecta. FBC, 8d 6/6, and clips / straps. Of course every carrier is different.

Then there must be a lot of inexperienced agents out there! I get requests for wind mits on homes that are 30 years old with no hurricane protection and original roofs. “My agent said if I get a wind mit, my insurance will be a lot less”.

I don’t know how much a clip or single wrap credit is, but I wouldn’t consider it “a lot”. At least from what I have been told.

:shock: “OTHER” :shock:
Have the agent take John’s course :wink:

This client in Largo Fl. recieved a refund check from Citizens Insurance Co. Just by having clips.

The agent usually learn to quote cautious after they get accused of bait and switch by the client. Since the 3 nail requirement, we see more toenail ratings than ever before. I know some agents who won’t even give a tenative quote without a valid wind mit.

The difference between a Toenail and Clip can be dramatic.

In many cases, clients are not getting told to have a WM to save money on a current policy. They have recieved a cancellation notice and without an updated WM, the may be unable to access competitive marketes.

As I understand it, even a property with NO credits, may have access to better rates and more markets than the same house without a WM.

Re-insurance costs are another problem.

We have to be very careful about making any assumptions in our industry when talking about insurance products and credits. There are at least three carriers that will not quote a premium if an application is made using a WMIT but will offer coverage if a WMIT is not being submitted with the application. The reason is the premium would be below cost and they cannot offer both competitive premiums and credits without losing money on every new policy. Rate filings are complex and private, since we aren’t licensed professionals in the insurance industry we are not qualified to render opinions on the actuarial soundness of different companies pricing strategies.

Many inspectors are too focused on the discounts and forget that the original intent of this program was to incentivize homeowners that upgraded their homes in a manner that actually reduces or eliminates windstorm losses (claims).

The process is broken, and continuing to focus only on reduction of insurance premium reinforces the misunderstanding of risk and current rate increases. It makes no sense to give credits for clips, Deck B or C, or Hip if the roof covering is shingle and past 50% of its useful life. Tile roofs can be even worse because of the cost to repair than and the collateral damage produced by “Spanish missiles.” Roof covering failures that geometrically increase claims doe to interior water damage comprise about 90% of windstorm claims. I think a damaged or worn out roof should negate the qualification of all other credits, that is my personal opinion.