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The Windstorm Program, the inspections part of the program, went into effect on January 1, 1988. The windstorm program was put in place by the Texas Legislature to mitigate damage to properties located in Texas Coastal areas.
There are 14 Texas Counties that are considered catastrophe areas.
The 14 Texas Counties are: Calhoun County, Aransas County, Brazoria County, Cameron County, Chambers County, Galveston County, Kleberg County, Matagorda County, Kenedy County, Willacy County, Jefferson County, Nueces County, Refugio County, and San Patricio County.
Within those 14 Counties, in order to obtain homeowner’s insurance by any insurer that provides coverage, whether it be TWIA (Texas Windstorm Insurance Association) or a private insurer, you have to go through this Windstorm Inspection Process to obtain a WPI 8 Certificate of Compliance.
Whether it be a roof, whether it be a certificate of insurance for siding, what ever work was being done on that property in order to obtain the certificate of insurance so that the property may be eligible for insurance.
If you go directly through the Texas Department of Insurance to go through the inspection process to obtain the certification, they don’t charge, it’s free. If you run into any structural damage on the roof, for example framing, rafters, or anything that might be damaged, the Texas Department of Insurance will then refer you to what is called an AQI (Appointed Qualified Inspector), such as Ezequiel Hernandez, that will help you obtain the certification.
The engineer or AQI (Appointed Qualified Inspector) can charge anywhere from $250 to $550, it varies.
It’s quicker to hire an AQI or an engineer because you don’t have to wait weeks or months, but also from what Ezequiel mentioned, which I didn’t know before, is that if you waited all this time and you finally get the inspection and what if there is structural damage? You’ve had materials delivered as a roofing contractor, you’ve done your due diligence on finding several days of clear skies, which means you’ll have optimum weather conditions, and the crews… You found a special crew that is going to hand-nail the roof and now you’ll have to postpone it because the inspector found something structurally that they are not qualified to oversee.
Suggestion to homeowners: hire an AQI (like Ezequiel) or an engineer and you will not have to worry about that.
Any insurance carrier can provide you windstorm insurance.
A carrier that will provide you Windstorm Insurance can also provide you fire insurance, or flood insurance for that matter.
A roof installed the way it’s installed in a windstorm area should be installed everywhere. Ultimately what we (Windstorm Inspectors) look for is what the roof component manufacturer calls for (in specifications). The manufacturer requirements are our requirements, as well. If your contractor is not installing the roof according to how windstorm inspectors are inspecting it, means they are not installing the roof according to manufacturer installation instructions.
Pro Tip: make sure you interview the roofing contractors. Make sure they have proper insurance, make sure they have worker’s compensation insurance, make sure they know the installation standards and you should quiz them to see if they really know what they are doing in a coastal area or even a non-coastal area because these standards should apply to all homes.
9 out of 10 roofs installed using nail guns don’t pass inspection. Why? Because the installers will overdrive the nails or they aren’t moving enough as they place the shingle down which means they aren’t placing the nail at the correct angle. When installed incorrectly, they throw the shingle tabs down, nailing with the nail gun and if they slightly tilt the nail gun, it means the nail is going in sideways and the full head of the nail is not going to fasten the shingle properly. And then, when roofing contractors are installing roofs in the summer, the heat softens up the singles making it more probable the nail will blow through the shingle tab versus an installer who is hand-nailing the shingles, you’re almost certain they will not overdrive the nails, that the nails are not going to in crooked, and they will space the nails properly according to manufacturer standards.
It is not required to hand-nail the nails during roof installation, but it is highly recommended.
This is where you must decide who you want installing your roof, who do you want inspecting your roof?
You want the highest standards to apply. Ask your roofing contractors to do 6 nails per shingle whether it’s required to pass a windstorm inspection or not because you’re going to have a better roof.
Absolutely, in 2015 we had a storm in the Brazoria County area with recently installed roofs (installed within 5 years time) and yes, there was damage done to the shingles. Those shingles were rated up to a certain mile per hour wind tolerance and they still sustained damage.
I want them to be insured, in the event that something happens. I want the homeowner to be covered. Another red flag, I would say, is if they are asking for all of the money up front, before any work has started. Another big one would be No Contracts. As a homeowner, if I’m having somebody to come in and do work that is going to be of high value. I would like to know that there is something on paper.
Dmitry Lipinskiy from Roofing Insights, he made a really important video and you guys should for him for sure because he provides very good content, not just for roofing contractors, but also for homeowners. Dmitry Lipinskiy is basically saying that roofing contractors should never ever ask for fifty percent up front and I agree with Dmitry.
Roofs ONE has the business model where we only ask for 15% as a way to begin the process and 35% the morning of installation. Unless I see financial commitment, then you don’t really have true intent from the buyer. I think no one should ask for more, maybe 20% is ok, but nothing higher than that. Anything higher than that (15% to 20% down payment to get started) is unnecessary.
Pay just enough to get it going but not enough to where they’re taking most of the money and could leave the very next day without doing half of the work.
I will throw that back on you, Jairo. You’re a homeowner as well. What would you look for in hiring a roofing contractor?
When the roofing contractor is transparent and provides all of the information up front and provides a detailed list of materials, costs of the permits that need to be pulled. They have to know that. Another thing that we do, we present showing the certification of insurance and then go to showing the code requirements for that jurisdiction that they’re in.
I’ll throw that back on you. What would you suggest on that?
Minimum requirement is one million dollars in liability coverage, that is for residential property with an average home value of $500,000. If they’re doing commercial roofing, it should be minimum two million dollars.
No, the actual copy of the certificate is posted online now. It’s posted on www.tdi.gov .
There is a search box that you can go to look for a copy of that certification.
To stay on the safe side, I always say about 10 to 15 business days.
So, the house we just finished doing in Surfside Beach should be coming up soon.
A lot of metal roof manufacturers specify what decking they want supporting their product, whether it be plywood, OSB. As to asphalt shingles, they can be installed over board decking, ⅜” plywood. Another difference would be underlayment, which is what is going underneath the metal versus what is going underneath the asphalt shingles. Many times metal manufacturers want a specific underlayment to be installed underneath their product versus asphalt shingles, if you are not getting the warranty you can use any underlayment that is approved by the Texas Department of Insurance that meets the standards they ask for.
There is actually a list of approved products on TDI’s webpage that you can go onto whether it’s siding materials you are installing, shingle roofs, metal roof, windows.
I always view roofing systems as one system as a whole because, ultimately, the shingles are not going to function properly if the underlayment is not installed properly. The underlayment will not function properly if the decking is not installed properly or if there is rotten decking underneath that. I feel that everything is tied together. Another example is the drip edge along the rake edges will hold down the underlayment and help the water run down smoothly over the eaves of the roof. The roof is one system. One specific product on that roof cannot function without the other.
The roof is one complete roofing system. Let’s say you are told to repair just one shingle. How are you going to just repair one on a nail gun driven nail, when nail gun driven nails are not intended to be removed. It’s guaranteed to create collateral damage to the shingles surrounding the shingle that you are wanting to replace. And even if you were to successfully remove a nail gun driven nail from the shingle, now you are left with a hole on the underlayment, now you are left with a hole on the decking and it opens up a whole new can of worms.
People or homeowners that manage or own properties along the entire coast of Texas, how can they get a hold of you so they can ask you questions and hire you, not just for residential, this is especially for commercial roof windstorm inspections, too. Maybe we can come back and do a video only on commercial windstorm roof inspections.
Absolutely. Please tell the audience how they can contact you.
I can be contacted in two ways: First by phone: 979-313-8515 or by email. Ezequiel Hernandez email is: firstname.lastname@example.org