Go Back   InterNACHI Inspection Forum > >

Notices

Florida Home Inspectors This is a place for Florida InterNACHI inspectors to discuss Florida home inspection topics, wind mitigation inspections and 4-point inspections. Become a home inspector in Florida

Reply
 
Thread Tools
  #1  
Old 7/4/14, 11:03 AM
Scott Barber Scott Barber is offline
InterNACHI Member
 
Join Date: Jun 2011
Posts: 18
Default Wind Mitigation Question

OK, I am so tired of arguing with insurance agents about this, so I will ask you guys. On the Florida Uniform Wind Mitigation Form...
In reference to question #2...

Let's just say the home was built and the roof installed on the new home in the year 1999. The permit was pulled for new roof/construction and was passed by the county in 1999... Letter "A" should be chosen, correct? As you will see below, the criteria for a letter "A" rating states that the roof covering met the FBC at the time of installation "OR" (not and, but OR) has a roofing permit after 3/1/02.


A. All roof coverings listed above meet the FBC with a FBC or Miami-Dade Product Approval listing current at time of
installation
OR have a roofing permit application date on or after 3/1/02 OR the roof is original and built in 2004 or later.

I understand what the insurance industry is ultimately trying to get from this question... Was the roof installed after 3/1/02 to the newer code and was it installed to meet that particular code. However, that is not what the question asks. Therefore, if the roof was permitted and passed the final "at the time of installation", then the roof was installed to meet the FBC at the time of installation, therefore letter A would apply. Is that not correct?
Thanks for your reply's and wisdom in this matter,
Scott Barber
Reply With Quote
Need a home inspection in Oregon? Check out InterNACHI's listing of Oregon certified home inspectors. Or, find a home inspector anywhere in the world with our inspection search engine.
  #2  
Old 7/4/14, 11:09 AM
Greg Bell, Sr CMI's Avatar
Greg Bell, Sr CMI Greg Bell, Sr CMI is offline
Certified Master Inspector ®
 
Join Date: Oct 2002
Location: Titusville, FL
Posts: 5,025
Default Re: Wind Mitigation Question

What area of the state are you in?



Greg Bell
Titusville, Fl
02111507

Serving Central Florida

Reply With Quote
  #3  
Old 7/4/14, 11:13 AM
Bradley K. Toye, CMI's Avatar
Bradley K. Toye, CMI Bradley K. Toye, CMI is online now
Certified Master Inspector
 
Join Date: Sep 2010
Location: Clearwater, FL
Posts: 5,438
Default Re: Wind Mitigation Question

How can you possibly deduce that a 1999 roof was permitted after 03/01/2002 in order to select "A"??? FBC did not start until 03/01/2002. If however, you can show the roof covering is MDCA (with docs), then you can select A or B.



Brad K Toye
ITC/FLIR Level I Building Investigation Thermographer
FL Certified Building Contractor CBC034303
FL Certified Home Inspector HI 391
FL Certified Mold Assessor MRSA 589

727-403-5029
Lecsi2@gmail.com

Last edited by btoye; 7/4/14 at 4:46 PM..
Reply With Quote
  #4  
Old 7/4/14, 11:16 AM
Greg Bell, Sr CMI's Avatar
Greg Bell, Sr CMI Greg Bell, Sr CMI is offline
Certified Master Inspector ®
 
Join Date: Oct 2002
Location: Titusville, FL
Posts: 5,025
Default Re: Wind Mitigation Question

The Fbc with dade approved materials went into effect in 1994 in Miami dade and Broward counties I believe. It was adopted in other areas of the state on 3-1-2002.



Greg Bell
Titusville, Fl
02111507

Serving Central Florida

Reply With Quote
  #5  
Old 7/4/14, 11:25 AM
Wayne Collier, HI5099's Avatar
Wayne Collier, HI5099 Wayne Collier, HI5099 is offline
Active Poster
 
Join Date: Dec 2011
Location: Lakeland,Fl
Posts: 1,039
Default Re: Wind Mitigation Question

Your answer for that question would be C or D. The only exception would be location HVHZ and proof.
Reply With Quote
  #6  
Old 7/4/14, 11:29 AM
Bradley K. Toye, CMI's Avatar
Bradley K. Toye, CMI Bradley K. Toye, CMI is online now
Certified Master Inspector
 
Join Date: Sep 2010
Location: Clearwater, FL
Posts: 5,438
Default Re: Wind Mitigation Question

Quote:
Originally Posted by gbell View Post
The Fbc with dade approved materials went into effect in 1994 in Miami dade and Broward counties I believe. It was adopted in other areas of the state on 3-1-2002.
There were no FBC approval numbers prior to 03/01/2002, only NOA's for the HVHZ. For a 1999 roof to get credit, a valid NOA will have to submitted which is tied to that home's actual roof covering...hard to do sometimes.



Brad K Toye
ITC/FLIR Level I Building Investigation Thermographer
FL Certified Building Contractor CBC034303
FL Certified Home Inspector HI 391
FL Certified Mold Assessor MRSA 589

727-403-5029
Lecsi2@gmail.com
Reply With Quote
  #7  
Old 7/4/14, 11:34 AM
Marc A. Goldenberg's Avatar
Marc A. Goldenberg Marc A. Goldenberg is offline
Certified Professional Inspector (CPI) ®
 
Join Date: Feb 2004
Location: Boca Raton, FL
Posts: 7,194
Default Re: Wind Mitigation Question

1999? Huh - wha?
I'd select B if within the HVHZ.
Otherwise, D.
Reply With Quote
  #8  
Old 7/4/14, 1:12 PM
Scott Barber Scott Barber is offline
InterNACHI Member
 
Join Date: Jun 2011
Posts: 18
Default Re: Wind Mitigation Question

I did not deduce that the roof was installed in 1999 and met 2001 code... THAT IS NOT WHAT THE QUESTION ASKS! Again, the statement says "at the time of installation" OR adheres to the 2001 FBC.
Reply With Quote
  #9  
Old 7/4/14, 1:13 PM
Scott Barber Scott Barber is offline
InterNACHI Member
 
Join Date: Jun 2011
Posts: 18
Default Re: Wind Mitigation Question

Pensacola
Reply With Quote
  #10  
Old 7/4/14, 1:15 PM
Scott Barber Scott Barber is offline
InterNACHI Member
 
Join Date: Jun 2011
Posts: 18
Default Re: Wind Mitigation Question

Quote:
Originally Posted by wcollier View Post
Your answer for that question would be C or D. The only exception would be location HVHZ and proof.
Why, if the roof were permitted in 1999 and passed the final inspection would the answer be c or d. If is passed inspection, then one would assume it was installed to the FBC "at the time of installation."
Reply With Quote
  #11  
Old 7/4/14, 1:24 PM
Wayne Collier, HI5099's Avatar
Wayne Collier, HI5099 Wayne Collier, HI5099 is offline
Active Poster
 
Join Date: Dec 2011
Location: Lakeland,Fl
Posts: 1,039
Default Re: Wind Mitigation Question

Quote:
Originally Posted by sbarber View Post
Why, if the roof were permitted in 1999 and passed the final inspection would the answer be c or d. If is passed inspection, then one would assume it was installed to the FBC "at the time of installation."
Assumption is not proof
Reply With Quote
  #12  
Old 7/4/14, 1:49 PM
Les C. Abstein, CMI's Avatar
Les C. Abstein, CMI Les C. Abstein, CMI is online now
Certified Master Inspector
 
Join Date: Mar 2009
Location: North Florida
Posts: 436
Default Re: Wind Mitigation Question

As stated above the FBC (Florida Building Code) was not administered in your area in 1999. So there is no way it could meet that code.

Last edited by labstein; 7/4/14 at 2:09 PM..
Reply With Quote
  #13  
Old 7/4/14, 3:33 PM
Marc A. Goldenberg's Avatar
Marc A. Goldenberg Marc A. Goldenberg is offline
Certified Professional Inspector (CPI) ®
 
Join Date: Feb 2004
Location: Boca Raton, FL
Posts: 7,194
Default Re: Wind Mitigation Question

Quote:
Originally Posted by wcollier View Post
Assumption is not proof
Agreed.
I don't care if it "passed final inspection" in 1999-2000-2001 etc, whenever, the application date of the permit (1999) is a fact that is not an assumption.
It is not A.
Les is correct.
No wonder insurance agents argue with you.
Reply With Quote
Need a home inspection in Oregon? Check out InterNACHI's listing of Oregon certified home inspectors. Or, find a home inspector anywhere in the world with our inspection search engine.
  #14  
Old 7/4/14, 5:14 PM
Michael J. Meeker, CMI's Avatar
Michael J. Meeker, CMI Michael J. Meeker, CMI is offline
Certified Master Inspector ®
 
Join Date: Dec 2009
Location: South East Florida
Posts: 17,761
Default Re: Wind Mitigation Question

Quote:
Originally Posted by labstein View Post
As stated above the FBC (Florida Building Code) was not administered in your area in 1999. So there is no way it could meet that code.
yep. How many wind mits have you done already Scott?



<div align=center>
Quality Control Consultants. Pre-Purchase Building and Home Consultations
FLORIDA LICENSED GENERAL CONTRACTOR & CERTIFIED MASTER INSPECTOR
Call 954-922-0584 or E-Mail Me For The Best Consultations or Inspections in Florida.
mike@meekerindustries.com
http://www.meekerindustries.com
Also Check out these two great sites below for a HEALTHIER LIFE !
mikemeeker.towergarden.com & mikemeeker.juiceplus.com
Reply With Quote
  #15  
Old 7/5/14, 6:59 AM
William E. Siegel William E. Siegel is offline
Active Poster
 
Join Date: Oct 2006
Location: Hialeah, Fl
Posts: 3,504
Please Note: wsiegel is a non-member guest and is in no way affiliated with InterNACHI or its members.
Default Re: Wind Mitigation Question

Wow, this is scary. Did you not take any of the wind mitigation classes?
Reply With Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
InterNACHI Wind Mitigation Florida CE cford Florida Home Inspectors 2 9/22/11 7:57 PM
Who can inspect what? lcurtis1 Florida Home Inspectors 24 6/9/11 7:24 AM
wind mitigation question wcampbell2 Florida Home Inspectors 10 8/6/10 7:36 PM

All times are GMT -4. The time now is 3:38 AM.
no new posts