[tabi] a money-saving tip for your roof
- From: "Chip and Allie Orange" <acorange@xxxxxxxxxxx>
- To: <tabi@xxxxxxxxxxxxx>
- Date: Thu, 20 Jun 2013 14:15:09 -0400
Hi all,
FYI, if you are a home owner, Florida law says if your roof meets certain
roofing standards, your home owners insurance company must give you a
discount for this which runs in the $300 to $600 per year range!
The term for this discount is the "wind mitigation" discount. It requires
an inspection by someone who is a general contractor in order to fill out
the form claiming your discount.
The discount hinges on you having a certain type of hurricane clip in use on
your roof, nailing done at a minimum spacing, a self-sealing barrier
installed on top of the roof decking, etc. If you've had a new roof
installed in the last few years it's possible you qualify (you may want to
ask your roofer and then arrange for a general contractor to perform the
inspection). However, if you are about to have a new roof installed, now is
the time to arrange with the roofer to install one which meets the wind
mitigation requirements.
Some roofers are also certified as general contractors, and as part of the
package they will provide you, then can offer not only a roof which meets
the requirements, but also offer you the service of performing the
certification and filling out the needed paperwork.
We just had such a roofer put on a new roof for us (Kevin Schwartz of Total
Quality Roofing), but I'm sure others must be general contractors, or can
help you in finding a general contractor to do this part.
In addition to saving you this money every year, the self-sealing barrier
can go a long way towards guaranteeing you no leaks in the future, so it's
not just about the insurance discount.
Unfortunately, one reason I'm mentioning this now is because many Florida
home owners insurance companies are inspecting the roofs of their customers,
and are sending out notices which say in essence that your roof is not in
good enough condition, and you must replace it or we will cancel your
policy. I know several people who have received such letters from their
insurers.
Don't be surprised if roofers don't always get right back to you; the summer
is their busiest time, and we just finished with our roof being installed,
after starting back in March to work with roofers, and signing our contract
in April! If you can wait, you might ask the roofer what time of year would
be best for him to come and work with you.
Hth,
Chip
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