Roof Shape
Roof Cover
  • Florida Building Code (FBC) Equivalent – Asphalt roof coverings installed in accordance ASTM D 3161 (modified for 110 mph) or Miami Dade County PA 107-95.
  • Non- Florida Building Code (FBC) Equivalent – Asphalt roof shingles not meeting requirements listed above for FBC Equivalent and all other roof covering types.
  • Reinforced Concrete Roof Deck - A roof structure composed of cast-in-place or pre-cast structural concrete designed to be self-supporting and integrally attached to wall/support system.
Opening Protection
  • Class A – Hurricane Impact
  • Class B – Basic Impact
Roof to Wall
  • Toe-Nail: Nails driven at angle through rafter/truss and attached to top plate of a wall
  • Clips: Metal clips installed on each truss/rafter that attach to the side only of the truss/rafter and wall frame.
  • Single Wraps: Metal straps installed on each truss/rafter that wrap over the top of the truss/rafter and attach to wall frame in one location
  • Double Wraps: Metal straps installed on each truss/rafter that wrap over the top of the truss/rafter and attach to wall frame in two locations.
Roof Deck
Definitions from per Wind Mitigation Form OIR-B1-1802 (Rev. 01/12). If unknown, select N/A and submit.
  • A. Plywood/Oriented strand board (OSB) roof sheathing attached to the roof truss/rafter (spaced a maximum of 24” inches o.c.) by staples or 6d nails spaced at 6” along the edge and 12” in the field. -OR- Batten decking supporting wood shakes or wood shingles. -OR- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that has an equivalent mean uplift less than that required for Options B or C below.
  • B. Plywood/OSB roof sheathing with a minimum thickness of 7/16”inch attached to the roof truss/rafter (spaced a maximum of 24”inches o.c.) by 8d common nails spaced a maximum of 12” inches in the field.-OR- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that is shown to have an equivalent or greater resistance than 8d nails spaced a maximum of 12 inches in the field or has a mean uplift resistance of at least 103 psf.
  • C. Plywood/OSB roof sheathing with a minimum thickness of 7/16”inch attached to the roof truss/rafter (spaced a maximum of 24”inches o.c.) by 8d common nails spaced a maximum of 6” inches in the field. -OR- Dimensional lumber/Tongue & Groove decking with a minimum of 2 nails per board (or 1 nail per board if each board is equal to or less than 6 inches in width). OR Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that is shown to have an equivalent or greater resistance than 8d common nails spaced a maximum of 6 inches in the field or has a mean uplift resistance of at least 182 psf.
  • D. Reinforced Concrete Roof Deck.
  • E. N/A:
  • Secondary Water Resistance
    SWR (also called Sealed Roof Deck) Self-adhering polymer modified-bitumen roofing underlayment applied directly to the sheathing or foam adhesive SWR barrier (not foamed-on insulation) applied as a supplemental means to protect the dwelling from water intrusion in the event of roof covering loss. A Wind Mitigation Certificate is required for this option (OIR-B1-1802 (Rev. 01/12). If no certificate is available, choose NO.
    Hurricane Deductible
    An amount a homeowner must pay before insurance will cover the damage caused by a hurricane.
    All Other Perils Deductible
    An amount a homeowner must pay before insurance will cover the damage caused by all other perils.

    Get An Instant Quote


    Agency Quotes should be done via the Agent Portal Workbench


    How Did you hear About Southern Oak Insurance?

    Amount of dwelling coverage based on estimated replacement cost. *For HO4 quotes, enter the amount of Personal Property/Contents coverage.

    Thanks for your order!
    We'll contact you very soon.

    Skip to content