The One Nail Standing between Your House and a Hurricane

Mon Jun 22 2020

If your Florida home was built before 2001, there’s a good chance your roof is missing a very important detail: a third nail in its metal hurricane truss straps. Homes built before the 2002 Florida Building Code took effect weren’t required to have this extra nail that makes the roof more resistant to hurricane winds.

What difference can a single nail make? Well, for starters, it can upgrade your roof-to-wall attachment on your wind mitigation inspection from “toenails” to “clips.” That one change may help you save 20 to 50 percent on your home insurance.

What Are Hurricane Clips?

Florida homes built after 2001 are required to have hurricane clips. These are steel connectors that attach your roof to your wall structure. These are designed to withstand hurricane winds that hit your walls and put upward pressure on the overhang of your roof. In other words, they help keep the lid on.

On section four of your wind mitigation inspection, your connection may count as a clip if it’s secured to the truss / rafters with three nails.

Hurricane clips offer much more protection than “toe nails” – the diagonal nails driven through the side of the roof truss into the top of the wall plate. This roof-to-wall attachment was popular in older homes, but it doesn’t provide much wind resistance for the roof.

The good news is that if you have toe nail attachments, it may be easier to upgrade to hurricane clips than you might realize. It may just require an additional nail.

How to Update Your Roof-to-Wall Attachment from Toe Nails to Hurricane Clips

Some companies, like LGT Restoration Services, Inc. and Maximum Solutions in Florida, specialize in retrofitting older homes to adhere to current wind mitigation standards. They offer easy updates from dual nail roof truss straps systems with a third nail.

Third Nail can work on most exteriors for hurricane strap retrofits, whether your home has aluminum, vinyl, metal, or wood siding. They specialize in servicing the southern half of Florida. Maximum Solutions operates throughout the state.

We often recommend both companies, whose contractors are properly insured and licensed, to make sure our homeowners have a reliable and affordable way to update their roof-to-wall attachments and qualify for bigger wind mitigation savings.

There are several reputable companies throughout Florida that offer this upgrade. When searching for other companies, do your research and make sure contractors are properly licensed.

How Much Does Hurricane Clip Retrofitting Cost?

Retrofitting costs for most homes range from at $850 to $1,350, which includes a wind mitigation inspection (these usually cost about $100). Your exact cost depends on the company you use, whether the retrofit can be done in your attic, the retrofitting upgrade you choose, and your home’s square footage.

Call us at 855-717-0022 today and we’ll crunch the potential insurance savings for you. If you stand to save a lot by getting this upgrade, we’ll connect you with a trusted third nail service provider in your area.

How Much Can You Save with Hurricane Clips?

Upgrading your attachment from toe nails to clips can help you save 20 to 50 percent on your yearly home insurance premium. All Florida home insurance companies are required to offer discounts for wind mitigation measures. However, the discount amount varies from company to company.

As a general rule, the more wind resistant your home is, the less you’ll pay for your home insurance. You can learn more about how to make your home resistant to hurricane winds with our wind mitigation guide.

On average, Kin customers who upgrade from toe nails to clips / singe-wraps save 37 percent on their premium – hundreds of dollars in savings each year.

Get in touch with us today to see how much you’ll save on your home insurance with hurricane clips.