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Florida Insurance Companies are required by the Office of Insurance Regulation to give their customers policy discounts on premiums for specific Wind Mitigation enhancements to their property. If you are a Florida improved property owner then you are potentially missing out on HUNDREDS & possibly THOUSANDS of dollars of savings on your annual wind insurance premiums!
Insurance Companies that write in FL are required to recognize submitted Wind Inspections (Uniform Mitigation Verification Inspection Form - OIR-B1-1802 - Rev 02/10) by qualified personnel (Certified Building Code Inspector; Certified General, Building, or Residential Contractor with a FL license under Section 489.111 of the FL Statutes; Professional FL Architect or FL Engineer) - and give discounts based on one or more of these construction or mitigation features.
Many homeowners don't bother to get the inspection done because they believe their "older homes" do not have any "upgrades". It is very RARE that we inspect a home in the Northwest FL area that doesn't get a discount! I would estimate that 49 out of every 50 homes we inspect receive a discount!
The 9 features that merit a discount include:
1) Verification of the FL building code that the structure was designed and built to (1994 South FL Building Code or the 2001 Florida Building Code or better will benefit);
2) Verification and inspection of the predominant roof covering installed (1994 South FL Building Code or the 2001 Florida Building Code or better will benefit);
3) Inspection of the roof deck attachment including the size & spacing of nails/screws/adhesives that can certify an uplift of a) 55 psf, b) 103 psf, or c) 182 psf or better (103 psf, 182 psf or stronger will benefit);
4) Inspection of the roof to wall connection on EVERY rafter/truss of a) toe nails, b) clips, c) single wraps, d) double wraps, or e) structural connection (anything better than toe nails will benefit);
5) Determination of the roof geometry - a) Hip Roof, b) Non-Hip Roof, or c) Flat Roof (a Hip Roof with less than 10% of any other roof shape and less than 100 sq ft of flat area will benefit).
6) On a gable roof, the inspection of any gable end bracing that meets the 2001 FL building code or stronger will benefit (currently this credit is not being given by many insurance companies).
7) Verification of the wall construction type - a) wood frame, b) un-reinforced masonry, c) reinforced masonry, or d) poured concrete (reinforced masonry or poured concrete equaling 70% or more of the wall construction will benefit although each company views this differently).
The inspection and verification of any Secondary Water Resistance applied to protect the dwelling from water intrusion (currently only a self adhering polymer modified bitumen "peel and stick" or a foam adhesive barrier applied to every seam on the roof deck and applied to each side of every rafter/truss will benefit).
9) Verification and inspection of wind borne debris protection on every exterior opening - including the windows, doors, garage doors, & skylights (Impact Resistant coverings that meet the FL Building Code or Miami-Dade approval will benefit the most. Non Miami-Dade or Non FL Building Code shutters along with plywood/OSB coverings depending on how strong and how it is installed may receive a discount).
One or more of the above qualifying discounts can save a property owner 5% to 82% on their wind insurance premium! Be sure to hire a proven professional that has completed numerous inspections and is qualified to complete the wind inspection form. Prices vary around the state but can range from $75 to $150.
Commercial properties also qualify for mitigation discounts. Wind features and prices vary according to building stories - 1 to 3 stories (Standard UMVIF form), 4 to 6 stories (Type II Mitigation Verification Affidavit), and 7 or greater stories (Type III Mitigation Verification Affidavit).
For more information visit http://PensacolaInsuranceInspections.com.
Mark Taylor is the President & Head Inspector of Pensacola Insurance Inspections & Valuations based out of Pensacola, FL. He is a Professional Inspector, Certified General Contractor, and Roofing Contractor that practices many types of inspections in the Panhandle of Florida- including Home Inspections, Insurance Inspections, and Replacement Cost Valuations. Mark has personally completed 1,000's of qualified wind mitigation inspections that are currently saving the people of Northwest FL in excess of $1,500,000!
Mark is recently married and is expecting his first child in February of 2011! He is a local & international humanitarian that has volunteered countless hours in over 30 countries for those less fortunate, including being a first responder to the Asia Tsunami. He is also passionate about the fight against cancer and chairs the 3rd largest Relay for Life in Florida. Mark can be contacted through his website at http://PensacolaInsuranceInspections.com.
The Growing Popularity of Mountain Biking
Regular bikes compared to mountain bikes may have a smoother ride and are slower and heavier but are great for riding on the street. You can find information about mountain biking online or in magazines; they are geared toward beginners or professionals. Mountain biking is not really thought of as exercising but it is a great way to burn many calories.
If your interested are off-road you will need bike that can handle the terrain so you will need some big treads and a good suspension to handle the bumps and holes so get a good mountain bike, if you are just riding for fun then a regular bike will do. There are so many different styles of mountain bikes so when you are looking to purchase one make sure it fits the terrain you will be taking it on and make sure it fits your riding style. If you are going to be rough on your bike and plan on going through gravel, dirt and jumping off hills you definitely need a mountain bike.
The chassis on a mountain bike is sometimes referred to as the skeleton, this is a term that refers to the fork, frame and suspension and is looked at as one unit. Mountain bikes are equipped with knobby tires, large number of gears and handle bars that are wider; they also include shocks and a much stronger suspension. You can choose from many different suspensions on your bike, make sure the suspension you choose is going to fit the type of cycling you intend for it. These used to be the most common kind of mountain bike but they are rapidly being replaced by the more comfortable models which feature some sort of suspension system. They have had front suspension on bikes for a while now; the rear suspensions have just come into the market place, it took longer because of all of the design complexities.
Of course, there are many other things to consider when purchasing a mountain bike, but for the beginner, it's best to just narrow it down to how much you want to spend and what kind of suspension you're going to want.
If you want to ride your mountain bikes look for trails that are suited for mountain bikes. If you don't have any trails or jumps, you can build them.
When you first try the toe clip style of pedal you might want to spend some time getting use to it, it will take some practice. Getting a feel for your pedals while first sitting on your bike, keep one foot on the ground and practice moving your foot away from the pedal.
If you have clip less foot pedals or toe clips, you will want to practice this quite a bit. Turn your bike upside down, move the pedals and shift gears. The pedals can also use a regular application of lubricant.
The purchase of your helmet should be at least as important as buying your bike. About 90 percent of the people riding can reduce head trauma just by wearing a helmet. Cost shouldn't be a factor as a good helmet can be acquired for around $25-$45.
About the Author
Information on wild ferret can be found at the Ferrets As Pets site.
Biking shoes specific for toe clips?
I have a road bike fitted with toe straps. I know clipless pedals are more efficient but I am not willing to spend the money yet. Currently with my toe straps, I am riding with basic Nike running shoes which do not seem stiff enough to transfer all of my power. My question is what shoes should I be wearing in my toe straps for maximum efficiency?
You are absolutely right, the stiffer the sole, the better the power transfer will be.
One option might be to start with some shoes with a recessed cleat, such as those designed for touring. They will work well with pedals that have toe clips, but you will be able to use them with cleats if you decide to trade up to them too.
Here are a couple of examples:
http://www.evanscycles.com/products/northwave/city-cruiser-shoe-ec018353
http://www.evanscycles.com/products/specialized/bg-tahoe-2010-mtb-shoe-ec019811
http://www.evanscycles.com/products/shimano/mp66w-dx-spd-shoes-ec017590
Sex and the City 2 (Blu-ray)
Skip It THE FILM Ah yes, "Sex and the City 2." It's the high fashion, glass-clinking instruction booklet for life as a successful woman, catering to the needs of the staunchly female audience by presenting male choirs, erect penises, Helen Reddy karaoke, "Mommie Dearest" costuming, and a cameo by Liza Minnelli. Hey, wait a minute! I suspect nothing about "Sex and the City 2" directly concerns ...
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