Wind Mitigation

Old 11-07-21, 05:36 AM
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Wind Mitigation

Not sure if this is the correct location for this thread. So here goes. I reside in Florida and have a question I can't seem to be able to get an answer. We have a form called a Wind Migation Form that is used by the Insurance companies to allow a homeowner to get insurance discounts based on hardening their homes for wind damage. On of the ways was to reinforce a home that had gable ends by using a "C" looking reinforcement. So, because of this I spent 3 months in my hot attic following the guidelines to get my insurance discount which was substantial at the time. I even had a certified inspector to come over a take pictures along with a report staing I followed the guidelines. I then submitted this to my insurance company and was denied the discount. I then asked them why and they told me this portion of the Wind Mitigation form was removed by the State of Florida with no explanation why it was removed. So, my question is, why was this removed" Hopefully someone can chime in the let me know after spending over $1,000 for materials and my time up in the hot attic.
Old 11-07-21, 06:40 AM
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It has been a long time since I dealt with those requirements. From what I saw they want a continuous hold down path from roof to foundation. Simply adding hurricane brackets/straps on the roof didn't count because they wanted a continuous load path without a weak link in the middle.

And, you are dealing with insurance companies. With climate change and more, more intense storms they are looking at ways to increase their revenue to be able to cover the expenses of these more damaging storms. They can do it by simply raising rates, or by getting rid of discounts.

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