Looking to save $ on your homeowner’s insurance premiums?
Add a 3rd nail! Save up to 35% on your annual homeowner’s insurance by adding a 3rd nail to your roof’s hurricane/truss straps. It will cost you around $850, BUT you should be able to recoup the cost within the first year. Then enjoy year-after-year savings, as well as improving security against storms for you and your home.
How do I get these savings?
- Talk to your insurance agents. Ask when your last wind mitigation inspections was done and if the report shows 2 or 3 nails were used on your hurricane straps.
- If there are only 2, ask what your cost savings will be if you hire a contractor (or handyman) to increase that to 3.
- Call around for local quotes. The price will be more if they are not able to access the straps from within the attic.
what is on the wind mitigation form.
The Florida Uniform Mitigation Verification Inspection Form has seven sections that all affect the amount of your discount.
- Building Code
- Roof Covering
- Roof Decking Attachment
- Roof to Wall Attachment
- Roof Geometry
- Secondary Water Resistance (SWR)
- Opening Protection
The only one you can easily adjust is number 4.
What are the different types of Roof-to-Wall Attachments?
A. Toe Nails Truss/rafter anchored to top plate of wall using nails driven at an angle through the truss/rafter and attached to the top plate of the wall.
B. Clips Metal connectors that do no wrap over the top of the truss/rafter.
C. Single Wraps Metal connectors consisting of a single strap that wraps over the top of the truss/rafter and is secured with a minimum of 2 nails on the front side and a minimum of 1 nail on the opposing side.
D. Double Wraps Metal connectors consisting of 2 separate straps that are attached to the wall frame, or embedded in the bond beam, on either side of the truss/rafter where each strap wraps over the top of the truss/rafter and is secured with a minimum of 2 nails on the front side, and a minimum of 1 nail on the opposing side OR
Metal connectors consisting of a single strap that wraps over the top of the truss/rafter, is secured to the wall on both sides and is secured to the top plate with a minimum of three nails on each side.
NOTE: Since 2003, all $300K+ homes are required to have 3 nails BUT many do not.
So what does this really do?
- 2 nails are rated at 300-350 pounds of lift (mitigation) ~ Can handle a Cat 1 Hurricane.
- 3 nails are rated at 500-600 pounds of lift (mitigation) ~ Can handle a Cat 4 Hurricane.
That’s a big jump in added mitigation with just one nail!
Connect with Karen:
How To Look At A House: What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form? <https://www.howtolookatahouse.com/Blog/Entries/2018/7/what-is-the-difference-between-a-toe-nail-clip-single-wrap-and-double-wrap-for-the-wind-mitigation-form.html> 2018 July
LGT Restoration Services: Third Nail Mitigation <http://www.thirdnail.net/>
Orlando Sentinel: Here’s how a ‘third nail’ in your roof can save big money on Florida home insurance<https://www.orlandosentinel.com/business/real-estate/os-bz-third-nail-home-insurance-florida-20210218-gdsbssuk2ffb3m2vzhnlwyeqp4-story.html> 2020 Feb 18