Wind Mitigation Inspections

I was inspecting a vacant town house the other day and came across this in the attic. As you can see the roof deck was put on with staples, not 8 D nails, as indicated in the picture. The nail / staple spacing was also 12 inches and not 6 inches, as indicated. This is another in a long line of fraudulent wind mitigation inspections done in Miami Dade County. A credit would have been issued on this home based on that report. If a re-inspection had been done those credits would have been taken away.

Rafter marked for wind mitigation credits

Rafter marked for wind mitigation credits

Staples

Staples

When homeowners base their insurance premiums on credits from these inspections, it could meant he difference for them of being able to afford the home or not. An increase of $600.00 or $800.00 per year could force someone to no longer be able to afford that home.

It is important to makes sure that your inspector be educated and not just working for the insurance agent and the money on these inspections. No only did this inspector put the homeowner at risk, he put the insurance carrier at risk, as well as himself if there ever was a claim.

Posted by Bill Siegel Florida Home Inspection Team Inc.

6 thoughts on “Wind Mitigation Inspections

  1. will5443 Post author

    It absolutely is, but since I have no idea who the insurance carrier is or who the inspection company was (although I have an idea) it will go un-noticed. Hope he enjoyed his $75

  2. Brad

    Hey Bill, how in the hell do you know they selected C on the form? A lot of inspectors mark spacing for staples, unnecessarily yes, but they still do it. Go pound your chest some more…I am not impressed with these articles you publish.

  3. will5443 Post author

    Sorry you dont like my posts Brad. I suggest you do not read them. I did not say he selected C on the form. But from the way he marked the rafter with markings every six inches and the letter D on clearly marked on the rafter, there is a very good chance that is what he did do. Otherwise why would he mark it like that. Prbably just another that relies maiinly on wind mits for his income. Not uncoommon to see it. Sooner or later they will get caught.

  4. Jeff G Hooper

    Not really sure where Bill is pounding his chest. Being informative, yes. I am guessing this Brad guy is another inspector, as that is a typical response from an inspector who does not want to learn anything. Maybe he should go read someone else’s material if he disagrees with a seasoned inspector, and instructor. Keep up the good work Bill! I have not found an accurate Wind Mitigation report yet, and the old MSFH guys are the worst. Followed by a particular national association. Maybe Home Inspectors should be barred from performing them again. Most do not even know it is a Code Inspection. They do not know how to read the first line in #1. But then they do not know how to read Code either. Here is they part they do not understand. 1. Building Code: Was the structure built in compliance with the Florida Building Code (FBC 2001 or later) OR for homes located in the HVHZ (Miami-Dade or Broward counties), South Florida Building Code (SFBC-94)? They think that line is asking for permit, which is more than comical.

  5. Jeff G Hooper

    What is even more telling is what you do not see in the photos. There are no nails for the roofing or underlayment showing through the plywood. Meaning that roof is not installed correctly at all and will meet no wind provision of any code.

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