Factors affecting wind insurance premiums

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Factors affectingwind insurance premiums
Are you getting all the discount you deserve?
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All property insurers in the state offer discounts
Are you getting all the discount you deserve?
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Wind Speed Location
Every location in the state has wind zone maps
showing the anticipated maximum wind speeds
Newer structures or those significantly
remodeled should be designed to resist these wind
loads
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Roof Shape
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Gable Bracing

• The strut in the center of the gable is connected
  to the 6 x 2 fastened to the roof joists
• This serves to brace the gable end by
  transferring wind loads across the roof framing

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Roof Coverings

• FBC (Florida Building Code) coverings that are
  designed or installed to withstand 110mph wind
  speeds
• Non-FBC coverings commonly found on all building
  types when installed prior to 2002
• Very few older structures have FBC compliant roof
  coverings

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How much can you save?
On average we can save you 18 Of your windstorm
policy premium
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Older Flat Roofs
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Newer Flat Roof Systems
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Older Pitch Roofs
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Definitely not FBC compliant!
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All roof types get some discount

• Older roofs lesser
• Newer roof LARGE
• Every roof after 2002 would get large discount
• Even older homes can take advantage

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FBC Compliant Roofs
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Flashings
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Rooftop Mechanicals
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Secondary Moisture Barriers

• Additional moisture protection
• Designed to stop water entering the building even
  after loss of the primary roof coverings
• Seals the edge gaps between sheathing panels

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Roof Deck Fastenings

• How is the roof deck attached to the roof framing
  ?
• Nail types
• Nailing pattern
• Adhered connections

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Roof decks

• 95 of all decks qualify for discount

Average saving 300.00 per year Certification
lasts for 5 years, saving the homeowner 1,500.00
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Roof Deck Fastenings
red.
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Roof to Wall Connections
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Glazing Protection
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Other Shutter Types