Hurricane Inspections and Wind Mitigation Reports

Hurricane Inspections and Wind Mitigation Reports

After hurricane Andrew in Florida, insurance companies in Florida have been trying to encourage home owners to make their homes safer and reduce insurance claims. Many of the insurance companies and JUA (Joint Underwriting Association) now request a Four Point Inspection.

A “Four Point Inspection” focuses only on four main areas of interest in a home:Four Point Inspection Services in Florida

  • HVAC (Heating, Ventilation and Air Conditioning)
  • Electrical wiring and panels
  • Plumbing connections and fixtures
  • Roof

Most homes older than 25 years are required by their insurance companies to get this inspection done. Insurance companies require four point inspections to evaluate the age and condition of the components of your home. Though homeowners insurance policies don’t typically cover these areas, if they are old or in disrepair, they could contribute to a covered event such as damage from a fire or severe weather. Some insurance companies have their own forms they want complete but most of them accept forms filled out by our licensed professionals. The report needed includes specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document.

Understand Your Wind Mitigation Report

First and foremost there is NO PASS or FAIL for the Wind Mitigation Report.  It is just an evaluation as to the construction of the home to see if you qualify for insurance discounts.  Just because you do not get every discount does not mean your house was built poorly or substandard.  Your house passed the guidelines set by the state of Florida and the present jurisdiction your in.  This form was compromised in 2012, so it did not exist when many of the houses were built, so the builder did not have this form when the houses were built so how could he maximize the discounts?

Once again there is NO PASS or FAIL.  It’s just an evaluation of what is present.  It is NOT an INSPECTION report of this company.  It is a report that was established by the Insurance Industry in Florida and we have very specific guidelines to follow and we are subject to have an inspector to follow up right behind us to ensure what we have reported is in fact the exact conditions that we reported.

Lets break it down line by line

OWNER INFORMATION – The heading is just the information that WE HAVE for the client.  It may not be filled out fully, its because we do NOT HAVE the information.  We have put in as much information as we have.  Feel free to add information to this header.

Here is an explanation of the Wind Mitigation Form

1. Building Code: This section asks if the building was built In compliance with the 2001 Florida Building Code or if the home is located in a High Velocity Hurricane Zone (HVHZ) that that is built in compliance with the South Florida Building Code of 1994 (SFBC-94). This is determined by the permit application date of the building. The plans were drawn up and approved under the building codes that were in effect at that time. This lets the insurance company know how old and what codes it was built under. There is nothing that can change this other than demolition of the house and rebuild under newer codes.

2. Roof Covering: This section is asking for the application date of when the roof covering was installed or the (2001 Florida Building Code) FBC/MDC (Miami-Dade County) product approval numbers for the roof covering installed. If a roof was replaced and no permit was pulled there is no verification of what codes this was replaced under, therefore the date will be either the last recorded permit pulled for the roof or the original installation during the time of original construction. To qualify for option A. 2001 Building Code the permit application date has to be on or after 03/01/2002. To qualify for option B. Miami Dade approval listing current at the time of the installation or for HVHZ only, permit applications date after 09/01/1994 and before 03/02/2002.

3. Roof Deck Attachment: The weakest form has to be documented. The form pretty much describes it. This is document what type attachment is used to hold on the roof sheathing and how much uplift it will withstand.

Option A: Plywood/Oriented strand board (OSB) roof sheathing attached to the roof truss/rafter (spaced a maximum of 24″ inches o.c.)by staples or 6d nails spaced at 6″ along the edge and 12″ in the field. -OR- Batten decking supporting wood shakes or wood shingles. -OR- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that has an equivalent mean uplift less than that required for Options B or C below.

Option B: Plywood/OSB roof sheathing with a minimum thickness of 7/16″inch attached to the roof truss/rafter (spaced a maximum of 24″inches o.c.) by 8d common nails spaced a maximum of 12″ inches in the field.-OR- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that is shown to have an equivalent or greater resistance 8d nails spaced a maximum of 12 inches in the field or has a mean uplift resistance of at least 103 psf.

Option C: Plywood/OSB roof sheathing with a minimum thickness of 7/16″inch attached to the roof truss/rafter (spaced a maximum of 24″inches o.c.) by 8d common nails spaced a maximum of 6″ inches in the field. -OR- Dimensional lumber/Tongue & Groove decking with a minimum of 2 nails per board (or 1 nail per board if each board is equal to or less than 6 inches in width). –OR Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that is shown to have an equivalent or greater resistance than 8d common nails spaced a maximum of 6 inches in the field or has a mean uplift resistance of at least 182 psf

Option D: Reinforce Concrete Roof Deck

Option E: Other

Option F: Unknown or Unidentified

Option G: No Attic Access

4. Roof to Wall Attachment: This section described the way the trusses are attached to the main house structure. A minimum of three nails need to be used with every option other than toe nails.

Toe Nails are a single nail driven through the truss at an angle into the top plate of the supporting wall.

Clips are metal connectors that do not wrap over the top of the truss/rafter, or Metal connectors with a minimum of 1 strap that wraps over the top of the truss/rafter and does not meet the nail position requirements of C or D, but is secured with a minimum of 3 nails.

Single Wraps are metal connectors consisting of a single strap that wraps over the top of the truss/rafter and is secured with a minimum of 2 nails on the front side and a minimum of 1 nail on the opposing side.

 

 

BOTTOM LINE GET A WIND MITIGATION THAT WILL SAVE YOU MONEY ON YOUR INSURANCE

AJ DEEREY

NAPLES HOME INSPECTOR

SLAB-2-SHINGLES

What an Inspection Is and What It Is Not!

An Inspection is a report done by a professional licensed and insured inspector, usually prior to the purchase of a new home. An Inspection points out any obvious defects in the property that the average home buyer, although may not be able to see themselves, would be expected to know based on their ability to inspect prior to the purchase and due diligence duty. A responsible new home buyer doing their due diligence has the home inspected to discover possible issues that will need to be addressed prior to the homes purchase such as roof repairs, structural repairs, foundational issues, safety issues and to discover the condition of appliances, windows, HVAC systems, electrical systems, plumbing, attics, etc. In addition, a new home buyer may request mold and radon testing to insure the home is safe to inhabit as well as any mitigation measures that may be necessary to fix existing issues prior to the purchase. It is also a good idea to have pools checked out and a pest inspection done. A savvy home buyer will take these precautions and schedule their testing and inspections, prior to the purchase of a home because he knows that once the sale is complete these problems will be his to fix and on his dime. In this way, he is able to discover the true cost of owning the home before he agrees to the purchase. A homebuyer who does not do their due diligence and does not have an inspection as well as any necessary testing done, prior to the purchase, will later be surprised with additional costs he did not plan or allocate funds for. A home inspection however, is not a to do list, it is a list of problems that should be considered when determining a fair price to be paid for a home based on its actual condition. Sometimes buyers can contract to have repairs done prior to closing as part of the agreement on the seller’s dime. It is important to talk to your realtor about having an inspection done and to determine if it might be possible to get repairs either completed by the seller or a reduction in the price based on repair estimates for certain items. If you’re buying a new home protect your family and your investment by having an inspection and necessary testing done prior to the purchase!

Slab-2Shingles can help you with all your inspection needs they service Naples, Marco Island, Estero, and Bonita and they inspect both residential and commercial properties. To schedule an inspection or if you have any questions regarding the inspection process or testing protocols please call 1-239-262-0058 and one of our friendly and knowledgeable staff will be happy to help you. Slab-2-Shingles has over 20 years of experience in the industry here in Southwest Florida, it’s professionals are licensed and insured to provide you with peace of mind. Slab-2-Shingles can also help you with any mitigation issues as well as any lawn, pool, cleaning or home watch services you may require.

Let us take great care of you, call us today 1-239-262-0058!

Radon and Your Family

Did you know 1 in every 5 homes in Florida has elevated radon levels?

Knowing the level of radon in your home is an important part of protecting your family. Every 25 minutes someone dies from radon induced lung cancer and there are steps you can take to protect your family from suffering radon’s deadly effects. First, get your home tested! Radon is tasteless, colorless and odorless so the only way to know if you have radon is to test. Radon testing is not expensive and can take as little as 48 hours. Meanwhile, the health benefits and peace of mind provided by testing and fixing any potential radon issues is priceless. It is a good idea to have radon testing done every couple of years as your home’s radon levels may change over time due to climate, wear and tear, seasonal changes and changes in your living patterns. Your radon mitigation specialist can install an early warning devise in your home to alert you, should radon levels ever approach a dangerously high level in the future. Radon levels should be 4 pCi/L or below.

If your homes radon level is above 4 pCi/L, you will want to do something about it. If you’ve hired a professional to do your radon inspection and ensure accurate results, they can explain your radon mitigation options to reduce the level of radon in your home. Many options exist for radon mitigation and the costs are usually about the same as a typical home repair. Since radon levels become dangerously high when it is allowed to build up indoors without proper ventilation, radon mitigation usually involves the proper venting of the indoor air outside. Just sealing up any cracks in the foundation that may be allowing the radon into the home is not usually considered enough to reduce radon levels. You will need a professional radon mitigation specialist to design a radon mitigation system that fits your family’s needs and budget. At Slab-2-Shingles our knowledgeable experts can help you with testing, mitigation and answer any questions you may have regarding the mitigation process or radon generally. We are pleased to have served the SW Florida region for over 21 years. Slab-2-Shingles proudly services the Marco, Naples, Bonita Springs and Estero areas.

Lets talk about Condominium Inspections…

Lets talk about Condominium Inspections

With condominium inspections, most of it is looking at the structure, mechanics, electric, plumbing and systems inside the particular unit. We also check items such as; if the condo is facing the sun or the wind, listen for noises inside and outside the unit, check security and look at the garage area if there is one involved in the property.

Condominium Inspections

Common elements such as hallways, facades and common mechanical systems typically aren’t examined by the inspector because they aren’t part of the specific unit you’re buying. These items are the responsibility of your condo association. The Association should be able to give you a Reserve Study that was done by the architects and engineers when the structure was built. This will give the building’s structural and mechanical elements along with anticipated maintenance and repair work to be done over the next 5 years.

Mold Inspection in a Condo can be imperative as well since you do not have access to your neighboring condo owners. Slab 2 Shingles will use infrared light to see inside your walls and detect any problems that are there or may arise in the future.

Years ago, home inspections were unheard of in residential Real Estate Transactions.

Home inspections for real estate transactions

Years ago, home inspections for Real Estate Transactions of residential homes were unheard of. Instead, buyers simply relied on their own impressions of the home and the representations of the seller’s real estate agent. Today, the process is dramatically different. Most real estate purchase contracts give the buyer fairly broad rights to order one or more professional inspections of the home before completing the purchase.

home inspection insights

Home Inspections help all parties involved in a Real Estate Transaction. The buyer gets an independent assessment of the condition of the house, from inside and outside, and top to bottom. There is a hidden benefit to an inspection, namely that if you buy the house, and you will know where things are such as turning off the main water in case of a leak. The Seller can rest assured he is selling a quality home and won’t be a cause for future legalese. The Realtor will also be knowledgeable about what he/she is selling to their client and keep their client from making a bad investment.

This is really not the time to find a “cheap and quick” inspection, but to hire a licensed professional with many years of experience. We at Slab 2 Shingles do not want to get involved in your Real Estate deal but we do want to make sure the Buyer is aware of current problems and ones that could be lurking down the road.

We can keep the buyer with a few major facets in their negotiations such as help with pricing, identifying defects with the repair costs that will be needed in the future and lastly and most importantly Buyer Confidence in that the client can be sure of themselves when purchasing.

Wind Mitigation Inspection – Naples, Bonita Springs, Estero

Important Agent Advisory from Slab-2-Shingles: New Mind Mitigation Inspection Form

*Effective 4/21/2010*

 

Updated Dec 13, 2015 – Will be used for the upcoming year of 2016 with no changes!

Wind Mitigation Inspection Form

The Office of Insurance Regulation (OIR) has revised and adopted form OIR B1-1801 “Uniform Mitigation Verification Inspection Form,” (Rev. 2/10). Use of this is required by Rule 69O-170.0155 of the Florida Administrative Code as amended effective 4/21/2010.  This code covers collier and Lee county and Towns such as Marco Island, Naples, Bonita Springs, Estero and other home inspection areas

Mitigation verification inspections occurring on and after 4/21/2010 should be completed using only the new 1802 (Rev. 02/10) form. We request your assistance with ensuring that policyholders have access to the new form. For your convenience, we have attached the new form. 

As the State makes strides in vetting the Wind Mitigation Inspection process, it is important to note that our agents play a critical role in that process. As we have noticed in the past, UPCIC has been receiving a significant number of mitigation discount forms with incorrect information or other concerns such as inconsistent signatures, unlicensed contractors or engineers, or alterations to the official Office of Insurance Regulation form. The utilization of this new 1802 form is an important first step in correcting these concerns.

 

We look forward to working with you in the future!

Please contact us directly if you have any questions.

 

Sincerely,

 

The Slab-2-Shingles Team239.262.0058 tel

239.262.0098 fax

www.Slab2Shingles.com

 

Slab-2-Shingles

615 Nursery Lane

Naples, FL  34119

      

Air Quality Inspections

Slab-2-Shingles Air Quality division compliments our Home Inspection division by offering specialized services related to air quality.

Years of experience in the home inspection industry along with training and experience have made us the industry leader in indoor air quality testing. By allowing Slab-2-Shingles to test your home for mold and radon, you will be assured peace of mind in knowing what exactly is in your home.

Radon is a cancer causing radioactive gas that causes 20,000 deaths each year. You can’t smell, see or touch it but it may be in your home. Testing is the only way to determine if you have Radon or not.

Mold is a type of fungus that can grow on a variety of materials and can cause serious problems from breathing difficulties to severe illness. In Florida we have a very high mold rate since our weather conditions are usually moist and wet.2 of the main things mold loves to feed on. Most of the time mold is not even seen, but grows in the walls between damp pipes, or wet areas in the kitchen or bathroom.

Slab-2-Shingles will evaluate your home for mold and conduct the necessary tests to determine type, amount and medical repercussions. If mold is found we will work with you on the protocol for clean up and clearance testing. We also use infrared lights to see into your walls and determine if there is a wet or moist area where the mold may be. Using the latest testing equipment Slab-2-Shingles® technicians will perform Air Sampling using Micron Cartridges to sample and test mold spores. Upon completion of field sampling, Cultures are sent to the lab for examination and a detailed report is produced. If visible mold is found we will swab sample and get a full lab report on the visible mold. On a typical Mold Test we will use 3 samples but you can also request more if needed.

Slab-2-Shingles will evaluate your home for Radon Gas and conduct the necessary tests to determine the radon levels. Using the industries most advanced testing CRM Monitors, State Certified Technicians, and proper protocol, you will receive a complete detailed radon report. Slab-2-Shingles Home Air Quality division has been recognized as the area leader in educating homeowners on indoor air quality. Using a variety of testing methodologies and forensic lab analysis on samples taken, we can provide you with a detail report of the findings and recommendations. Slab-2-Shingles is licensed and certified to perform radon tests in Florida. A full radon test can be performed with any home inspection

Closing Inspections

Prior to closing on a property the home buyer or a representative for the home buyer should conduct a pre-closing inspection.

This is when to take the prior home inspection list and make sure all of the items have either been addressed or fixed. Slab 2 Shingles will do this for a nominal fee at the Buyer’s Request.

Here is a general checklist:
Closing Inspection Services in Florida

GENERAL ELECTRICAL

  • Are the items agreed to be left by the seller present?
  • Do the lights come on at each switch?
  • Is there visible damage with the owner’s furniture now gone that you couldn’t see before?
  • Are all of the light fixtures and ceiling fans present and working?
  • Are the smoke detectors functional?
  • Do the breakers work correctly?

EXTERIOR AND STRUCTURE

  • Check cracks, or separations?
  • Have the repairs and painting been finished?
  • Are wooden decks and hand rails secure?
  • Have you walked around the property?

KITCHEN

  • Are the appliance accessories present?
  • Do the appliances still operate satisfactorily?
  • Are the instructions/warranties left for the appliances?
  • Do the cabinets, countertops, or floors appear damaged?

CRAWL SPACE, AIR DUCTS

  • Are the lowest portions dry?
  • Are crawl space vents open for good ventilation?
  • Do you see any wet spots?

HEATING AND COOLING*

  • Do the systems function when you operate the thermostat?
  • Are the air filters clean?
  • Any extra filters left?
  • Is there debris clogging the exterior air units?

LOT AND GROUNDS

  • Any changes to the driveway, patio, or sidewalks?
  • Are the fences tight, and do the gates operate?
  • Reset the automatic sprinkler to minimum setting.

GARAGE

  • Do the vehicle doors work smoothly and reverse?
  • Do you have the car door remote controls?
  • Do you see any damage with the personal items gone?

INTERIOR WALLS, CEILINGS, AND FLOORS

  • Are the carpets stained in closets near the shower areas?
  • Are there holes or damage from the move-out?
  • Are there broken or “fogged” windows or doors?

SURFACE WATER CONTROL

  • Has the re-grading (if any), been accomplished?
  • Are the gutters aligned and cleaned of debris?
  • Do the downspouts direct water positively away?

PLUMBING

  • Do the faucets and drains function satisfactorily?
  • Is there hot water at each appropriate location?
  • Do the toilets flush and cycle normally?
  • Check beneath each cabinet for leaks or moisture.

ROOF

  • Are there missing shingles since the last visit?
  • Have the roof repairs (if any), been performed?
  • Is the attic ventilation open and working if power?
  • Are the bushes and trees trimmed back and not touching?

Chinese Drywall

From 2004 through 2006, after hurricane Katrina and other storms, the strain on the supply of American-made drywall required many builders to resort to international suppliers in order to fill demand. As a result, many distributors imported from the Knauf Tianjin company. It is alleged that this issue effects more than 200,000 sheets of drywall used to make homes between 2004 and 2006.

This drywall has waste materials in it that contain iron sulfide and other sulfides. The Humidity in the air causes the sulfur in the drywall to give off a gas which smells like rotten eggs.

Not only is the smell a problem but it can also corrode copper plumbing used in most building materials and can cause air conditioning to fail, but can also cause bathroom and kitchen faucets and drains to tarnish. Some believe there is also a health risk to living with Chinese Drywall but there is no definitive connection at this time.

Some warning signs that you have Chinese Drywall:

Failure of information displays on TVs, DVD players, radios and microwaves
Light bulbs burning out at a faster rate
Silver jewelry and utensils may be tarnished
Failure of satellite TV receivers

The only solution for Chinese Drywall is to strip the house down to the frame and replace the drywall.

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