[size=3]OK, I am so tired of arguing with insurance agents about this, so I will ask you guys. On the Florida Uniform Wind Mitigation Form…
In reference to question #2…
Let’s just say the home was built and the roof installed on the new home in the year 1999. The permit was pulled for new roof/construction and was passed by the county in 1999… Letter “A” should be chosen, correct? As you will see below, the criteria for a letter “A” rating states that the roof covering met the FBC at the time of installation “OR” (not and, but OR) has a roofing permit after 3/1/02.
[/size]A. All roof coverings listed above meet the FBC with a FBC or Miami-Dade Product Approval listing current at time of
installation OR have a roofing permit application date on or after 3/1/02 OR the roof is original and built in 2004 or later.
I understand what the insurance industry is ultimately trying to get from this question… Was the roof installed after 3/1/02 to the newer code and was it installed to meet that particular code. However, that is not what the question asks. Therefore, if the roof was permitted and passed the final “at the time of installation”, then the roof was installed to meet the FBC at the time of installation, therefore letter A would apply. Is that not correct?
Thanks for your reply’s and wisdom in this matter,