"The Original Liquid Applied Rubber Roof Shield Coating Systems" TM
Office (754)-217-2826 Option 1.
REINSURANCE CONCERNS: "Miami Dade High Velocity Wind Zones
IF YOU HAVE A 25 YEAR OLD SHINGLE ROOF OR A 50 YEAR OLD CEMENT TILE ROOF AND YOU RECIEVED A NOTICE FROM THE STATE OWNED CITIZENS WINDSTORM INSURANCE CARRIER THAT UNLESS YOU REROOF YOU WILL KNOW LONGER HAVE WINDSTORM INSURANCE PROTECTION, see lines labeled *** below
*** Windstorm Insurance Policy Protection on exiting roofs
*** New requirement by State owned Citizens Insurance Company
***Homes with a shingle roof of 25 years old or cement tile roofs of 50 years must have the roof replaced to be eligible for coverage unless you can provide a Satisfactory Roof Condition Certification to accommodate this situation, remember we can help you with our Uplift test. Originally created by Citizens Insurance company and marketed through the safe Florida home program several years ago. If the applicant can provide proof of use-full life remaining the application can be submitted unbound with the appropriate roof documentation for consideration
***If your roof is not old enough to be ineligible but you have received notification that your policy will be canceled if you don't get are inspection it is important to follow through with the instructions. If you need to get your roof repaired get it done, however if your roof is in good condition and the insurance inspector or agent is pressuring you give us a call we can help.
***You may have been notified by your insurance company to re examine your property as a consequence of inaccurate inspections previously undertaken in behalf of the My Safe Florida home program windstorm uniform Mitigation Verification Inspection Form (OIR-B1-1802). Now there inspections require that only GC's or Engineer's can undertake the wind mitigation inspections.
..Florida Rules: Regarding the roofing industry for leak guarantees
A roofing Contractor must provide a minimum of 2 years for leaks on a new roof replacement, unusual wind condition of 65 miles per hour or above may void any previous roof repair or new roof installation warranties. This can vary depending upon the contractor and/or the system being installed. In any event, be sure to inquire about the fine print on the written warranties presented and how this may affect you in the event of a storm.
Insurance Premiums Advantages
Wind Mitigation discounts are applied towards the windstorm portion of your overall insurance premium. Depending on where you are located in Florida, the windstorm portion is between 15% and 70% of the total premium. The premium determination is very complex and actual dollar discounts are not calculated here. For exact quotes, you must contact your insurance agent or the individual insurance company in question. The three primary aspects regarding wind mitigation discount rates include: The number of wind resistive construction features present on your condo or home - The more wind resistive features you have, the higher the total discount will be for your property. The discounts may reduce your premiums by up to 45% or more of the wind portion of the insurance premium.
The location of your condo or home - Discounted wind insurance rates are adjusted according to where your property is located within the state. If your wind insurance rates are high, then the percentage discounts will be greater for a condo or house in a high rate area versus the same condo or house in a lower rate area. The value of your condo or home - High value condos or homes have higher premiums. Therefore, the value of the discounts will increase with the value of the condo or home.
Wind mitigation discounts are warranted because stronger, more wind-resistive houses have lower windstorm losses. Lower windstorm losses equal reduced costs to insurance companies that are then passed on to the consumer. Many homeowners have taken advantage of the insurance discount incentive and strengthened their existing condo or home using the strongest options in the Florida Building Code. The discounted insurance rates in Florida apply to both existing construction (condos and homes built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC).
What can lower your Insurance premiums?
- Shingles or other roof coverings, such as our roof shield system that meet the Florida Building Code requirements
- Roof decking that has been installed with larger nails or screws with closer spacing
- Hurricane clips and/or straps that secure the roof structure to the supporting walls
- Full or partial protection of windows and glass doors with impact resistant glazing or other protection methods.
- Secondary water resistance barrier that prevents the roof from leaking if the shingles are blown off in a windstorm
- Newer homes and condominiums built since the new code requiring these features have been enacted.