Quiz

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TAKE THE QUIZ

Explore the questions and answers below to better understand various construction methods and mitigation steps to insure your home is ready for severe weather conditions. It’s not a matter of if, but when. Get Readier!

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When was your home built?

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If your home was built prior to this date, it may not have certain features to protect it from a wind event. A Wind Mitigation Inspection can confirm this.

[/et_pb_accordion_item][et_pb_accordion_item title=”March 1, 2002 or after” _builder_version=”4.23″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]

Your home may meet the 2001 Florida Build Code standards. A Wind Mitigation Inspection can confirm this.

[/et_pb_accordion_item][et_pb_accordion_item title=”Between Sept. 1, 1994 and Feb. 28, 2002 within Broward or Miami-Dade counties” _builder_version=”4.23″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]

Your home may meet the 1994 South Florida Building Code. A Wind Mitigation Inspection can confirm this.

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Get a Wind Mitigation Inspection to know for sure.

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What type of roof do you have?

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Shingles are the most common and least expensive form of roof covering. They are prone to becoming dry and brittle in Florida’s sun. A healthy shingle is a safe shingle. A Wind Mitigation Inspection can confirm this.

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Tile roofs are the second most common and expensive roof covering. They are prone to flying debris, and once damaged become flying debris as well. A Wind Mitigation Inspection can confirm this.

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Metal roofs are becoming more common but are possibly the most expensive roof covering. When installed correctly they can protect your home for decades. A Wind Mitigation Inspection can confirm this.

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Get a Wind Mitigation Inspection to know for sure.

Do you know how old your roof is?

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A new roof when installed correctly gives you the best protection from a wind event. A Wind Mitigation Inspection can confirm this.

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Depending on the roof material, it should still have plenty of life left. Shingles 15-25yrs, Tile 25-35yrs, Metal 25-40yrs, Flat Roof material 15-20yrs. A Wind Mitigation Inspection can confirm this.

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Any roof older than 15 vears must have at least 5 years of life remaining. Flat roof material and Shingles should be budgeted to replace, Tile may begin to crack or chip, and Metal with exposed fasteners may begin to loosen. A Wind Mitigation Inspection can confirm this.

Get a Wind Mitigation Inspection to know for sure.

Do you know the type of roof decking material your home has?

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Plywood (OSB) is the most common roof deck material used in modern home construction.

Depending on when the home was built will depend on the type of fastener used to attach it to the rafters/trusses. A Wind Mitigation Inspection can confirm this.

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Typically used until the mid-1960s and nailed directly to the rafters/trusses using 2-1/2″ nails. Get a Wind Mitigation Inspection to know for sure. A Wind Mitigation Inspection can confirm this.

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Most commonly used in South Florida and is more of a Caribbean style of construction. A Wind Mitigation Inspection can confirm this.

Get a Wind Mitigation Inspection to know for sure.

Do you know the type of roof underlayment you have?

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Felt or tar paper was the most common underlayment used until the mid-2000s and is required by Florida Building Code as a Secondary Water Barrier. This product does not provide a discount to your home wind insurance policy. A Wind Mitigation Inspection can confirm this.

[/et_pb_accordion_item][et_pb_accordion_item title=”Peel and stick” _builder_version=”4.23″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]

Peel and stick is also known as Ice and Water Shield in northern climates. When installed directly to and over the entire roof deck it is referred to as a Secondary Water “Resistant” Barrier and provides a discount to your home wind insurance policy. A Wind Mitigation Inspection can confirm this.

[/et_pb_accordion_item][et_pb_accordion_item title=”Seam Tape” _builder_version=”4.23″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]

Seam Tape is a peel and stick product that is installed directly to the roof decking material covering all the seams of the plywood/OSB. Felt paper is then attached to the rest of the deck material. This is most common in Miami-Dade & Broward counties. This counts as a Secondary Water “Resistant” Barrier and provides a discount to your home wind insurance policy. A Wind Mitigation Inspection can confirm this.

Get a Wind Mitigation Inspection to know for sure.

How are your rafters/trusses attached to the walls of your home?

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Commonly referred to as toe-nailed, is when the rafters/trusses are nailed directly to the wall sections.This type of connection does not offer any protection nor discounts to your home’s wind insurance policy. A Wind Mitigation Inspection can confirm this.

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Clips are most commonly used in wood-framed construction. These must have at least three nails attaching them to the wall and to the rafter/trusses.

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Single wraps that are attached and that wrap over the rafters/trusses and attached with at least two nails from the wall side and one nail on the wrapped side offer the best discount on your home’s wind insurance policy. A Wind Mitigation Inspection can confirm this.

Get a Wind Mitigation Inspection to know for sure.

Are all of your windows & doors protected from flying debris?

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A Wind Mitigation Inspection can confirm this.

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Recommend install Impact-rated doors & windows or at least install tested storm shutters/panels.

[/et_pb_accordion_item][et_pb_accordion_item title=”Maybe” _builder_version=”4.23″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” open=”off” sticky_enabled=”0″]

A Wind Mitigation Inspection can confirm this.

If protected, what type of protection do you have/use?

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This is problematic as plywood may not be available right before a storm. It is heavy and requires lots of storage space.

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Most new construction homes come with metal storm panels. These are heavy but easily installed. It is important that they are properly marked for the openings they belong to and are labeled as tested materials

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These are often clear plastic storm panels lightweight easily installed. They should not be left exposed to sunlight for too long as the sun will weaken them. It is important that they are properly marked for the openings they belong to and are labeled as tested materials.

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These can be accordion, roll-down, Bermuda, or Colonial styles shutters. They should be labeled as tested materials and operated at least once a year.

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Impact rated openings provide the best protection to your home. They should have the proper labels and markings indicating they have been tested.

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