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 MIAMI-DADE AND BROWARD ....MOST HOMES IN SOUTH FLORIDA HAVE CONSTRUCTION FEATURES THAT QUALIFY FOR WIND PREMIUM INSURANCE CREDITS........ SAVE UP TO 50% ON WINDS INSURANCE POLICY WITH A WIND MITIGATION INSPECTION. Many windstorm insurance carriers are now in the process of reviewing the wind mitigation discounts for credits to ensure the reporting of mitigation construction features are present.. They are conducting re-inspections providing a report of the findings to the policyholders. Many wind insurance discounts are being removed because of discrepencies reported on the original wind mitigation report and the actual mitigation features present. There have also been some changes to the credits at they relate to the revised 4 page Uniform Mitigation Verification Form (OIR-B1-1802, REV. 2/10). The first such change is item #2 Predominent Roof Covering- The Revised OIR-B1-1802 Uniform Mitigation Verification Inspection Form in its present form (Rev. 02/10) no longer allows for the inspector to select an option that refers to to tile roofs installed to the 2001 FBC or 1994 SFBC standard. The other revision which may affect most homes built prior to the 1994 SFBC is item #4 Roof-To-Wall Connection - SINGLE WRAPS, this choice now requires 3 nails one one side and 1 on wrap side per 1802 form. This new requirement will reflect a discrepancy and a loss of wind premium discounts to many homeowners. There have been however, many discrepancies in the Citizens Reinspection Program many times because the Citizens Approved Wind Inspector did not fully enter a homeowner's attic or did not do the Post Inspection research to obtain the proper documentation requirerd to obtain verification of Roof Permit or Opening Protection Verification documentation. In these cases the construction features as they relate to the OIR-1802 report indicate "Unknown". This now leaves homeowners with the burden of having to provide additional documentation due an INCOMPLETE UNIFORM MITIGATION VERIFICATION REPORT. Many of these cases may be resolved by calling us at 786-282-9032 or 305-525-6059. We will do our due diligence to ensure that the proper verification and documentation requirements are reported. If it found during our wind insurance inspection that the report from the wind insurance provider is correct and the Homeowner was under the false assumption that the windbourne dedris devices installed do not meet the requrements of the OIR-1802 Form we will provide an in depth explanation and recommend what can be done to strengthen your property and protect your family. Existing houses have one or more of these wind resistive construction features and may qualify for some windstorm insurance mitigation discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind resistive construction features and will likely qualify for significant credits. A wind mitigation inspection will certify your homes existing construction features. We will provide you with a wind mitigation certication inspection report. The following items are building features that reduce wind damage for which many wind insurance companies offer wind premium discounts. The windstorm insurance discount has been available for years, unfortunately too many homeowners are still unaware of it. The amount of the discount is determined by your home's wind resistant features. Allview Field Services will provide you with a thorough UNBIASED wind mitigation inspection of your property, document all construction features with photographs and certify the results of the Uniform Mitigation Verification Inspection Form OIR-B1-1802. A homeowner with windstorm insurance can submit the results of the Uniform Mitigation Verification Inspection Form OIR-B1-1802 to their insurer to obtain MITIGATION discounts on their windstorm insurance policy. In Florida, credits are mandated by State law and can total 45% of the original windstorm policy's premium. As a Certified General Contractor, licenced by the State of Florida Department of Business and Professional Regulation - Construction Industry Licensing Board we are approved to sign-off on the required documentation by ALL INSURANCE PROVIDERS IN THE STATE OF FLORIDA. Make sure that your inspector can and that it will be accepted by the insurance company. Give me a call anytime and I will be happy to answer any questions you may have; Even if you're not ready for a wind mitigation inspection yet! (786)282-9031
A Windstorm Mitigation Inspection by a Certified Wind mitigation inspector will document your homes wind mitigation credits so you may obtain your wind mitigation discount and reduce your wind insurance premium.
Windstorm Requirements
To be considered Fortified against windstorms(windstorm) in Florida, homes must include features that address protection of the building envelope from windborne debris, wind resistant roof coverings and underlayments as well as proof of a continuous load path from the roof to the foundation of the building.
Building Envelope Protection: All entry doors, windows, skylights, patio doors and garage doors must be tested and certified to meet impact resistance and pressure standards. If the units themselves are not tested, then they must be protected by a protection system (storm shutter) that meets the impact resistance standards. Systems must be compliant with ASTM E 1996, SSTD-12 or Miami-Dade County protocol A 201.
Roof Construction: The roof framing, sheathing and covering all must be constructed to resist wind pressures. In order to accomplish this, the following criteria need to be satisfied:
wind mitigation inspections wind mitigation inspections
Gable end roof framing must be braced back to the interior portions of the roof and ceiling structure (both top and bottom of trusses)
Roof decks must be at least 19/32” thick plywood and fastened to roof frame with minimum 8d ring shank nails @ 6” on center throughout each panel and 4” on center directly into the last truss or rafter on all gable ends.
All roof deck joints must be sealed by a self-adhering polymer modified bitumen-roofing tape to provide a secondary moisture barrier (these materials are also referred to as “flexible flashing”). Products must be installed per the manufacturer’s recommendations (some require rolling after application).
Minimum 30# roofing felt (or equivalent) must be used as underlayment for the roof covering.
Roof covering must be certified for use in hurricane regions (i.e. Miami-Dade approved or ASTM D 3161 revised to 110 mph) and installed per manufacturer’s recommendations. Only a single layer of covering is permitted.
Adequate Load Path: The load path from the roof to the foundation of the home must be readily verifiable. This includes:
Hurricane straps or other hardware that connect the roof to the walls installed in per manufacturer’s recommendations.
Concrete block walls vertically reinforced every 4 feet and at all corners and ends of openings (minimum #4 re-bar)
Inter-story details strapped to provide a load path from the upper story to the lower story.
Wall-to-foundation connection a minimum of once every four feet and at all corners and wall openings.
Securely anchored connections for exterior structures such as carports and porches that attach to the main structure of your home.
As a Florida Licensed General Contractor, with specialized training in the ''High Velocity Hurricane Zone'' we are approved to inspect and certify the required OIR-B1-1802 form upon completion of the wind mitigation inspection: which is required by ALL WINDSTORM INSURANCE PROVIDERS IN THE STATE OF FLORIDA inorder to receive the wind insurance credit. Examples of premium mitigation construction features..... LARGE MISSLE IMPACT PRODUCTS TO PROTECT ''EVERY OPENING'' INCLUDING GARAGE DOOR AND ALL EXTERIOR DOOR Florida Building Code FBC Approved roof covering - VERIFIED BY A CLOSED OUT ROOF PERMIT FROM LOCAL BUILDING DEPARTMENT. ROOF DECK SHEATHING WITH A MINIMUM THICKNESS OF 1/2'' ATTACHED BY 8D NAILS SPACED AT 6'' ALONG THE EDGE AND 6'' IN THE FIELD. - PROPERLY INSTALLED ROOF-TO-WALL CONNECTIONS SUCH AS SINGLE WRAPS WITH A MINIMUM OF 3 NAILS, WRAPPING OVER AND SECURING TO THE OPPOSITE SIDE OF THE TRUSS WITH A MINIMUM OF 1 NAIL.
Opening Protection Approved for the HVHZ
Inorder for the building envelope to be protected in the High Velocity Hurricane Zone HVHZ all openings in the structure must be fully protected with windbourne debris protective devices that meet the Cycle Pressure and Large Missile Impact requirements of the most stringent product approval standard in the nation. ALL windows, doors, garage doors, glass block and skylights must be protected regardless of size. A breach of any of these openings during a wind storm can result in pressures inside the home that will contribute to failure of the roof.
Verification Method
New and stricter reporting requirements have resulted in the need for documentation for ALL windows, doors, garage doors, skylights and shutters.
Product labels must be present on all opening protection devices, including shutters. Documentation must include the notice of acceptance (NOA).
This feature requires documentation and cannot be estimated. Wind bourne protective devices must be identified with supporting paperwork. If the products can not be verified, a lesser credit may still be available providing ALL GLAZED OPENINGS are protected.
Wind Storm Protection Pays: Find out how your investment in windstorm-resistant building techniques can save you money and more important protect your family against wind bourne debris damage. Knowing the windstorm mitigation features of the home before you buy will help to eliminate surprises, lower your risk, and give you peace of mind. It is our goal to provide you with the knowledge and information you need to make an informed decision. We provide a comprehensive and unbiased analysis of the home's wind mitigation features in a format that is easy to understand. We will review and advise on such wind protective freatures.opening protection- wheater or not it is approved for use in the HVHZ: Are your openings protected with Miami-DAde Product Approved devices tested to withstand a Large Missile Impact Roof Types and Bracing 
The type and shape of the roof on your home can help determine how well it will perform during a severe windstorm.
A hipped roof is one that slopes upward from all sides of the building. Because of its aerodynamic properties and construction techniques, most hipped roofs will perform better in windstorms than the second roof type: a gabled roof. A gabled roof has two slopes that come together to form a ridge or a peak at the top, each end looks like the letter A. Homes with gabled roofs are more likely to suffer greater damage, such as collapse of the end wall from high winds because they are often not braced properly during construction. A. Roof coverings, such as shingles that meet the FBC Requirements.  B. Roof decks that have been installed with large nails and close spacing. C. Hurricane clips/straps that hold the roof structure to the walls. D. Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems. E. Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm. F. Newly Constructed Homes built to the Florida Building Code since March 1, 2002 G. Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.
How Wind Forces Affect Homes Wind forces are complex. The effect of wind on a building depends on the interaction of many variables. Natural variables include wind speed, wind height, ground surface features, and the properties of the air. Building variables include the shape, location, and physical properties of structures. Together, these variables create differences in pressure that push and pull on the exterior surfaces of buildings. Wind forces can break the building's load path or punch a hole in the building envelope. Sometimes the actual force of high winds can cause a door or window to break open. Other times nearby debris can be picked up in the wind and projected against the building envelope. Roof shingles from a neighbor’s home, branches from fallen trees, or unsecured yard furniture are examples of potentially dangerous wind-borne debris. Once wind forces create an opening in the building envelope, the dangers of structural failure greatly increase. Water intrusion is another damaging effect of wind driven rain. If your house is in an unobstructed location or within 1,500 feet of open water, you are more susceptible to damages caused by high winds. Proper landscaping may help to shield your home and divert winds around the building. Wind Mitigation Inspections Miami-Dade County - wind mitigation Aventura, wind mitigation Hialeah, wind mitigation Hialeah Gardens, wind mitigation Miami, wind mitigation Miami Lakes, wind mitigation Miami Springs, wind mitigation North Miami, South Miami, wind mitigation Sweetwater, wind mitigation West Miami, Miami-Dade County - Aventura, Bal Harbour, Bay Harbor Islands, Biscayne Park, Doral, El Portal, Florida City, Golden Beach, Hialeah Gardens, Homestead, Indian Creek, Islandia, Medley, Miami Lakes, Miami Shores, Miami Springs, North Bay Village, North Miami, North Miami Beach, Opa-locka, Palmetto Bay, Pinecrest, South Miami, Surfside, Sweetwater, Sunny Isles Beach, Virginia Gardens, West Miami
CALL TO SCHEDULE YOUR WIND MITIGATION INSPECTION
(786) 282-9031 
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