Citizens wind mitigation discount credits

[Thomas R. Hession]

So the new form pretty much disallows all discounts except:

2002 built homes with no additions
pre 2002 homes without additions
permitted roofs without additions
impact rated openings

A client calls for a wind mitigation inspection...I look up the address...
I see the flat roof addition and calculate it as over ten% Doesn't matter
if it has clips, doesn't matter if it has a new roof, doesn't matter if dimensional lumber, doesn't matter if it is hip, no discounts. All get downgraded to flat.

I don't think my conscious would allow me to charge a fee if i could tell by the appraisers website that these people would not qualify for a credit unless they do get some kind of credit albeit not as much.

Will they still qualify for a credit if the home is deemed flat???

Feel free to tell me what I am missing here.

Tom

[Michael J. Meeker]

sfh's are no longer ever considered Flat.

[Michelle Shishilla]

Originally Posted by mmeeker

sfh's are no longer ever considered Flat.

Exactly!

[Eric C. Van De Ven]

Originally Posted by thession

So the new form pretty much disallows all discounts except:

2002 built homes with no additions
pre 2002 homes without additions
permitted roofs without additions
impact rated openings

A client calls for a wind mitigation inspection...I look up the address...
I see the flat roof addition and calculate it as over ten% Doesn't matter
if it has clips, doesn't matter if it has a new roof, doesn't matter if dimensional lumber, doesn't matter if it is hip, no discounts. All get downgraded to flat.

I don't think my conscious would allow me to charge a fee if i could tell by the appraisers website that these people would not qualify for a credit unless they do get some kind of credit albeit not as much.

Will they still qualify for a credit if the home is deemed flat???

Feel free to tell me what I am missing here.

Tom

It may be a requirement for the client to have a wm inspection just to get insurance.

They will lose some credit for a non-hip roof.
Clips or single wraps will help.
A re-nailed roof deck will help.
Hurricane shutters will help.

Discounts

[Ken Ruppert]

Who says all that stuff doesn't matter. You really need to go talk with an agent and find out that there is still discounts for older home.

[Humberto Carvajal]

Exactly, I do lots of wind mits referred to me by a busy mortgage broker and according to him, even if there are no credits, due to the type of lending involved they must have a wind mit and 4-point inspection done. I used to remind him all the time about it but, he would just tell me he knows but still needs them done. I get $150.00 for each of those I do. Been doing them over a year now and still going strong. I stopped reminding him about it! Just go and get them done for him.

Bert

[Thomas R. Hession]

That's what I get for listening to someone who I thought knew something.

Thanks for straightening me out

[Michael J. Meeker]

Originally Posted by hcarvajal

Exactly, I do lots of wind mits referred to me by a busy mortgage broker and according to him, even if there are no credits, due to the type of lending involved they must have a wind mit and 4-point inspection done. I used to remind him all the time about it but, he would just tell me he knows but still needs them done. I get $150.00 for each of those I do. Been doing them over a year now and still going strong. I stopped reminding him about it! Just go and get them done for him.

Bert

Any chance your broker has a brother in broward in the same business

[Humberto Carvajal]

Originally Posted by mmeeker

Any chance your broker has a brother in broward in the same business

LOL... I cover from the middle Keys to the Palm Beaches... sorry.

[Michael J. Meeker]

rats

Thats one big area.

[Humberto Carvajal]

Yeah, I try to only go up that far north for either full inspections or when it's a referral from a realtor who uses me regularly or previous client referral. Recently went up to palm Beach Gardens to do a full inspection for a co-worker of a previous client. She's referred me to about 5 people. 3 of them bought within 3 miles of each other. I don't like to say no to those. Then I prepare a picnic basket and make an afternoon of it. Same goes for the Keys. Those don't happen too often though fortunately.

[Eric C. Van De Ven]

Originally Posted by hcarvajal

Yeah, I try to only go up that far north for either full inspections or when it's a referral from a realtor who uses me regularly or previous client referral. Recently went up to palm Beach Gardens to do a full inspection for a co-worker of a previous client. She's referred me to about 5 people. 3 of them bought within 3 miles of each other. I don't like to say no to those. Then I prepare a picnic basket and make an afternoon of it. Same goes for the Keys. Those don't happen too often though fortunately.

I love the Keys inspections!!!!

Do the inspection Friday morning, the report in the afternoon and I'll be at Marker 88 for dinner!

The Client does seem a little alarmed when I pull up with the boat!

[Humberto Carvajal]

Nice. Whats at Marker 88 Eric?

[Eric C. Van De Ven]

Originally Posted by hcarvajal

Nice. Whats at Marker 88 Eric?

Marker 88

[Humberto Carvajal]

Nice.

I recently went here with the wife and daughter for lunch...

http://www.sundownerskeylargo.com/

Good food and relaxing atmosphere.