Save yourself from the storms

Hurricane Debby Damage

Hurricane Debby tore off a client’s screen porch in Pass-A-Grille

Floridians spend half the year under the threat of hurricane season, with the national storm average for the current active era (1995-2011) including 15 named storms, 8 hurricanes, and 4 major hurricanes. That is a lot of storms! Not to mention the damage that can still be done with more general severe weather. That is why hurricane mitigation is so important. A FEMA study concluded that $4 is saved in response and recovery for every $1 spent on mitigation. And the upfront cost of protecting your home from wind damage is offset by discounts on your insurance premium, up to 88% on the hurricane-wind portion of your policy.

If you have an older home and are thinking about updating your roof, this is the best time to discuss wind mitigation. Many of the best ways to protect your home are easily done while the roofing work is in progress. Ask your roofer about creating a secondary water barrier, strengthening the roof deck attachment, or upgrading to stronger shingles. And while they’re working on that, we can help in the following ways:


STRENGTHEN YOUR ROOF CONNECTION

Anchoring your walls to your roof and foundation establishes a continuous load path, unifying your structure from top to bottom against high winds and decreasing the chances that your roof will lift up during a hurricane. There are many types of connectors that can be used, but keep in mind that they are not all created equal and some will create a more stable connection than others. We can help you choose the right ones for the job.

Connectors

Example of one type of connecting bracket


REINFORCE YOUR GABLE END WALLS

Gable end bracing is important to help resist high winds. Roof slopes divert wind up and away from your house, but the gable end portion is very susceptible to direct wind pressure. We can reinforce that area with cross-bracing and help protect your walls from collapsing.

Gable End Bracing

Cross bracing to reinforce your gable end


PROTECT YOUR WINDOWS AND DOORS

Doors and windows can be protected by many varieties of shutters or replaced with impact-resistant doors and windows. See our next blog entry for more information on opening protection.

If you are interested in seeing what types of discounts you can get on your insurance policy for various mitigation efforts, the state of Florida has a Wind Insurance Savings Calculator.

We can tell you that for our client’s typical 2500sf one-story home, the average cost of strengthening your roof connection and gable end bracing is around $2,500. With this typical home’s insurance premiums being around $4,000 per year, the potential savings are $500-800 on the hurricane-wind portion, and your investment’s pay back period is only about 3 years!

Call us today to get started on protecting your home. We’ll help you get the most insurance savings for your mitigation efforts and help you decide which choices are right for you.

One thought on “Save yourself from the storms

  1. July 19, 2011 at 2:17 pmA 12 X 12 building would catree much less waste, and would probably be easier to construct for a novice. Plywood comes in 4 X 8 sheets. The next question, would be rather you would like the construction to be based on 16″ centers, or 24″ centers, the latter requiring less lumber, but also being slightly weaker. A gable, is the end truss of a roof, or a stick built version of a triangle, in any of various angles or “pitch”, as it is referred to. More questions would involve the wall heights, like 8 , 10 , or 12 walls. As for plans, I believe there are quite a few sites in which you could obtain plans, but I doubt that they would be free.

Leave a Reply

Your email address will not be published. Required fields are marked *