[tabi] Re: a money-saving tip for your roof

  • From: "Denyece Roberts, MSW, RCSW" <peace05@xxxxxxxxxxx>
  • To: <tabi@xxxxxxxxxxxxx>
  • Date: Thu, 20 Jun 2013 15:06:28 -0400

Chip, thanks for the information.  Please provide me with the number of the 
contractor you used for your roof; because I'm compiling a list of contractors 
to use in the near future for my home.
  Thanks for all you do!----- Original Message ----- 
  From: Chip and Allie Orange 
  To: tabi@xxxxxxxxxxxxx 
  Sent: Thursday, June 20, 2013 2:15 PM
  Subject: [tabi] a money-saving tip for your roof

  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.






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