Special offer

Wind Mitigation - saving money on insurance continued

By
Home Inspector with Honor Costruction of Brevard LLC

Section 3 we are looking at:Roof to Wall Attachment: What is the weakest roof to wall connection?

Toe Nail Rafter/truss anchored to top plate of wall using nails driven at an angle through the rafter/truss and attached to the top plate of the wall.

Clips Metal attachments on every rafter/truss that are nailed to one side (or both sides in the case of a diamond type clip) of the rafter/truss and attached to the top plate of the wall frame or embedded in the bond beam.

Single Wraps Metal Straps must be secured to every rafter/truss with a minimum of 3 nails, wrapping over and securing to the opposite side of the rafter/truss with a minimum of 1 nail. The Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place.Double Wraps Both Metal Straps must be secured to every rafter/truss with a minimum of 3 nails, wrapping over and securing to the opposite side of the rafter/truss with a minimum of 1 nail. Each Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place.

Structural Anchor bolts, structurally connected or reinforced concrete roof.

Unknown Unknown, unidentified or no attic access.

Sometimes you may have straps that do not wrap and these would be identified as clips. Some open beam construction may qualify for "Structural Anchor bolt"; discounts but the catagory is usually for multifamily buildings with concrete roofs.

Wind Mitigation Sections Four and Five, page 2 of the 1802 form

Roof geometry can be the biggest discounts available on your wind premium. The form states:Roof Geometry:

What is the roof shape(s)? (Porches or carports that are not structurally connected to the main roof system are not considered in the roof geometry determination)

-Hip Roof Hip roof with no other roof shapes greater than 50% of any major wall length.

-Other Any other roof shape or combination of roof shapes including hip, gable, flat, gambrel, mansard and other roof shapes.

A hip roof is a roof shaped like a pyramid, it slopes towards the center at all sides. If the roof has gable ends(triangle shapes) we need to determine if they are braced properly, which is in section five of the report.

Gable End Bracing: For roof structures that contain gables, please check the weakest that apply:

-Gable End(s) are NOT braced.

-Gable End(s) are braced at a minimum in accordance with the 2001 Florida Building Code.

-Not applicable, unknown or unidentified.

There are several ways to braces gable ends, the resulting would prevent the gable from separating from the wall that it sits on. This is usually done by attaching the gable end truss to the other trusses in either an "x" bracing or continuous horizontal brace every four feet.

 

Next we will look at construction types, secondary water barriers and opening protection.

 

 

Comments (0)