The Third Nail – The reason your Homeowners Premiums increased without warning!

third nail

The Lack of a Third Nail could cause your Homeowners Premiums to increase without warning! 

Due to changes in the 2012 Florida Wind Mitigation form  (OIR-B1-1802. Rev. 01/12), Homeowners insurance windstorm premium credits for homes having clips or straps with less than Three Nails for the roof truss to wall connection is not allowed. The previous Wind Mit form allowed credits for metal connectors with nails.

For Homes constructed before 2002, you should contact us for a review of your Wind Mit form and Homeowners Policy. We will determine if you are receiving the proper credits and provide you with our best premium proposal.  We have construction, wind mitigation and home inspection experience and are able to provide up to date information.

If we determine that you can benefit from adding the “Third Nail”,

  • We will determine your estimated Homeowners premiums savings.
  • We will recommend a couple of licensed contractors to contact who can complete the required work.
  • Typically the cost of adding the Third Nail for a 2500 SF home is about $ 800., one time. The typical windstorm premium savings is $ 600. to $ 1,000. every year going forward for this home.
  • Typically, a new Wind Mit form is completed and included with the contractor’s work.

Homes built prior to 1960 typically do not have metal straps or clips. Many times these homes can be retro fitted to install the metal connectors and nails required by the building code.  Call us about a free evaluation.

Call SWFL Insurance Agency today 239-265-9577.  We will help you save money!!

Email us at Joshw@SWFLAgency.com