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Fort Lauderdale area Broward County
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Old 12-18-2012, 09:22 AM
 
Location: Broward County
5 posts, read 10,507 times
Reputation: 11

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My experience after re-inspection w Citizens. Inspection revealed my shutters were not dade county approved, so I lost my wind mitigation discount. My agent said it is a "all or nothing" deal, if anything fails you lose it all. But, my rates only increased by $200 He also suggested I stay w Citizens because the rate is still good...about $2000 for a 2000 sq ft house.

And you must have a new style "approved" garage door also...no add on bracing on old door meets code now.....or cover the whole thing w panels

Is there a way to get old panels approved? I did self install, up to code. These are very sturdy and at least as heavy (prob heavier) than current "approved" panels..just are not labeled correctly.

If you have interest in this topic, feel free to shoot me a email
mikem350@bellsouth.net
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Old 12-19-2012, 04:50 PM
 
Location: Vero Beach, Fl
2,970 posts, read 12,935,345 times
Reputation: 2251
Oh where to begin. I have come to believe this is all such a con from the insurance companies. We had hurrican impact windows and french doors installed in 2007 and the year before an upgraded hurricane impact garage door. All approved and given the discount. We were one of the few who didn't get dropped by State Farm and when renewal time came around last year we were presented with a $10919.00 insurance bill. I nearly died as did my husband. When i asked about all the credits etc. well they were no longer applied because now nothing was up to code!?@&%?! Give me a break!! We dropped State Farm and went with another carrier, higher deductibles at half the price. But who knows what this year brings. And, btw, no claims ever.

If you want to get something approved, ask your cities code department. I would not attempt this yourself because you will not be able to prove to an inspectors satisfaction that you used long enough nails, enough nails, etc...you get my point. I may be wrong, but check it out before you attempt anything yourself. Good luck.
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Old 12-19-2012, 06:50 PM
 
Location: South Florida
4,958 posts, read 6,817,960 times
Reputation: 5223
I spent 12 years in the window/door business down here.
The codes are tough as they should be.
It's more about how they're installed rather than how "tough/strong" the actual panels or units are.

Even when installed correctly, nothing is going to stop a tree from falling through a window or door.


During Wilma a neighbor lost her life when a properly installed door panel came flying into her house.

It stinks, but as the saying goes, you can't fool Mother Nature and the insurance companies have learned this.
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Old 12-20-2012, 06:48 PM
 
Location: Broward County
5 posts, read 10,507 times
Reputation: 11
I was lucky Citizens only raised me $200 (so far) after the reinspection. Also was dropped by State Farm couple yrs ago.

There is a calculation form OIR-B1-1699 to see how much discount off the wind premium u qualify for. Depends on shape of roof, nails, straps etc. Goes as high as 88% off. But if they knock you for anything, it might go to zero, hence the excessive rate.

But citizens is offering one more free inspection, so I may try to fix a couple deficiencies and see what they say. Big problem still is garage door...at least it is not glazed
Thanks for your responses!
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