Saturday, March 28, 2009

insurance premium reductions for wind loss mitigation

The South Carolina Dept. of Insurance requires insurance companies to offer insurance premium reductions for residential properties with "fixtures or construction techniques" installed to reduce the amount of loss in a windstorm.

In houses that Pulte built here at SCHH from 2004 to early 2007, Pulte eliminated their practice of installing hurricane clips at roof truss connections. Two nails were supposed to be used at the connections in lieu of a hurricane clip.

Subsequent Beaufort County re-inspections of more than 2,500 homes here revealed that MANY roof truss connections lacked the two nails specified. Some connections only had one nail; others had none. Some nails were short; some nails missed their target completely. Others were in split wood rendering them ineffective. Also during the re-inspections MANY houses were found to be missing required wind bracing.

An inspector must certify that wind loss "fixtures or construction techniques" have been used in order to qualify for the insurance premium reduction for wind loss mitigation. Will houses that Pulte built here between 2004 and early 2007 pass inspection? Will insurance inspectors balk at the use of nails instead of hurricane clips? Will they find missing wind bracing, despite the Beaufort County re-isnpections?

Stay tuned.

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