The Florida wind mitigation form (OIR-B1-1802) requires three nails securing the metal connector to the roof truss or rafter to qualify for a “Roof to Wall Attachment” discount. If the strap has only two nails then it must be listed as equivalent to Toe Nails, which receives no discount.
Here’s an excerpt below from page 2 of the form, with an example of what happens when there are only two nails. One of the two “Minimal conditions to qualify for categories B, C, or D”—which are categories of connectors that get a discount—is that there must be three nails at each metal connector. If both of the minimal conditions boxes cannot be checked, then it reverts to Toe Nails, based on “metal connectors that do not meet the minimal conditions of B,C, or D."
Also see our blog posts Is it worth it to upgrade my roof tie-down hurricane straps for a better wind mitigation insurance discount? and What does toe nailing mean? and How much does a wind mitigation inspection save on insurance?
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Here’s links to a collection of some of our other blog posts about the WIND MITIGATION FORM:
• How much does a wind mitigation inspection cost?
• Who can perform a wind mitigation inspection in Florida?
• How long does it take for a wind mitigation inspection?
• What is checked during a wind mitigation inspection?
• Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida?
• Which building permit date is used for the Building Code section of the wind mitigation form?
• What are the different roof deck attachment discount categories for a wind mitigation inspection?
• What determines the year of a house?
• What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?
• How do I get the hip roof discount for my homeowners windstorm insurance?
• Can I do my own wind mitigation inspection?
• What’s the difference between a gable and hip roof for my insurance?
• What is the wind mitigation inspection for homeowner's insurance?
• Why did I get no discounts or only a small discount from my wind mitigation inspection?
• How can I tell how hurricane resistant a Florida house is before I buy it?
• How long does a wind mitigation inspection remain valid?
• What is a wind mitigation discount?
• Do I get a a discount for partial hurricane shutters in a Wind Mitigation inspection?
• Why did I get no discount for roof-to-wall-attachment in my Wind Mitigation report?
• What’s the difference between a four-point and wind mitigation inspection?
• What is the discount for Secondary Water Resistance (SWR) on a Wind Mitigation Inspection Report (OIR-B1-1802)?
• What is the discount for gable end bracing in a Wind Mitigation Inspection (OIR-B1-1802)?
• What is the discount for wall construction type in a Wind Mitigation Inspection Report (OIR-B1-1802)?
• Does RhinoRoof® underlayment qualify to the Secondary Water Resistance (SWR) discount on a Florida Wind Mitigation (OIR-B1-1802) inspection?
• Can I get the Florida Building Code (FBC) discount on a wind mitigation form even if the permit application was before March 1, 2002?
Visit our INSURANCE page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.