Showing posts with label Ormond Beach. Show all posts
Showing posts with label Ormond Beach. Show all posts

Monday, February 22, 2021

Wind Mitigation Inspection Saves Daytona Beach Homeowners Money on Insurance Premiums

 


Who is eligible for a wind mitigation inspection discount?

The State of Florida requires all insurance companies to offer wind mitigation discounts to Florida homeowners.  Wind insurance credits are obtainable on the building features that reduce damage during high winds on all single-family homes, townhomes, condominiums, and commercial buildings. Many existing structures have one or more of the wind-resistive construction features already. Homeowners, as well as condominium associations, qualify for wind mitigation credits.

 

How do I save money?

The State of Florida requires insurance companies to offer reduced rates for certain wind mitigation features. A wind mitigation inspection must be performed by a certified wind mitigation inspector; Home Inspector, Building Code Inspector, an engineer, an architect, or any other individual that holds the necessary qualifications as described by Florida Statues.  A wind mitigation inspector will document features of your home on the required OIR-B1-1802 Wind Mitigation form and take photographs of them, which when applied to your insurance policy will decrease the cost of your homeowner’s insurance.deltona wind mitigation inspection, debary wind mitigation inspection, Orange City wind mitigation inspection, Deland wind mitigation, Sanford wind mitigation Inspection, Osteen wind mitigation, single strap

 

How much money can I save with a Wind Mitigation Inspection?

Wind mitigation features are mandated by state law and can total 45 percent of the original windstorm policy’s premium.  Insurance companies are required to offer Daytona Beach homeowners discounts for features that qualify for wind storm credits.  A Wind Mitigation Inspection can save you as much as $1,260 on a homeowner’s insurance policy of $2,800.

 

How much does a wind mitigation inspection cost in Florida?

The cost of Wind Mitigation Inspections varies by region in Florida.  Orlando Wind Mitigation Inspection costs average $200.  Miami costs are around $225 while the cost of North and Central Florida, Daytona Beach remains between $150 and $200.  A wind mitigation certificate is good for five years.  Once you have your Wind Mitigation Certificate it will reduce your premium and save you hundreds if not thousands of dollars each year.

 

How do I schedule a wind mitigation inspection in Central Florida?

Call for Insurance Inspection Quotes at 386-624-3893.  For more information Wind Mitigation (1homeinspector.com)




Best Deltona Home Inspector, Best Volusia County Home Inspector, Best Debary Home Inspector, Best Lake Helen Home Inspector, Best Osteen Home Inspector, Best Orange City Home Inspector
Frank Carr, Florida Licensed Home
Inspector
Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 
First Choice Home Inspections
Residential Home Inspections in Central Florida
(386) 624-3893 

 

Saturday, June 1, 2019

Moisture Stains explained by Daytona Home Inspector




Moisture stains around vent cover on Florida ceiling 1homeinspector.com
A lot of homes we inspect in Florida have condensation on the HVAC duct vent covers and moisture stains or mold on the ceiling around the vent.  The cold air from the vent coming in contact with warm air at the ceiling or uninsulated duct boots in the attic causes condensation to form on the vent covers.  Frequently, this condensation causes moisture stains on the ceiling.  The moisture stains can be an ongoing challenge if the cause of the condensation is not addressed. 
The water marks on the ceiling and the droplets of moisture on the vent cover are likely caused by insufficient insulation on the ducts in the attic, inadequate insulation or uninsulated vent boots, or leaking of hot / warm attic air around the vent boots. 

What is a vent boot?   

The vent boot is the box in the attic that the air conditioning duct connects to on one side and the vent cover on the ceiling is screwed into.  Newer boots are often constructed out of insulation board or duct board.  The older types of boots were constructed out of metal.
Daytona Beach uninsulated duct boot in attic 1homeinspector.com The above picture shows an uninsulated vent boot attached to the HVAC duct.  The vent cover connects to the vent boot on the inside of the ceiling.  This boot has no insulation and the joints are not sealed well.  The sealant between the boot and the ductwork is leaking and there is no sealant between the duct and the ceiling.  Moisture accumulating on the vent boot drips down until it is absorbed by the drywall ceiling board causing moisture stains around the vent cover.
People often mistake the dark stains that sometime form around the vent for mold.  The plausible cause of the dark stains is the vent boot was not sealed to the ceiling board.  The dust from the attic, then sticks to and stains the moist drywall board around the vent cover.
When you see the stains around your ceiling vent covers don’t ignore them.  Water damage is costly to repair and moist conditions may encourage mold growth.

Random Moisture Stains on your Ceiling


Daytona Beach HVAC duct joints leaking in the attic - 1homeinspector.com

If you have random stains on the ceiling; it may be the joints are not sufficiently insulated or sealed.  Moisture stains are visible at the joints of the ductwork in the attic in the picture above.  Condensation forms on the joint and may not evaporate in the attic.  If the condensation continues to drip, it may saturate the insulation and cause moisture stains on your ceiling.
Recommendation:   We recommend sealing the joints to prevent cooling loss in the attic and random stains on the ceiling.  Sealing the joints will also improve the efficiency of your HVAC system and help reduce your cooling costs.

 

Main Causes of Condensation at AC Vents

Not enough insulation on the ducts themselves

Cold air traveling through your ductwork in a warm or hot attic forms condensation if the duct is uninsulated or under insulated. The air ducts in the attic should be well insulated.  You should have your air conditioning system and ducts inspected if it struggles to maintain a comfortable inside temperature on hot days or you notice condensation on the ceiling or vent cover.
Insulation damaged on Ormond Beach HVAC ductwork - 1homeinspector.com

The insulation on the duct above was separated from the duct.  Condensation had formed in the duct vapor barrier and over time had stained the middle of the ceiling.
Recommendation: Ducts in the attic should be well insulated and in good repair.  Damaged or old under insulated ducts should be replaced.  Consider replacing the ductwork in the attic if it is 20yrs or older.  It will be a good investment that will be easily recouped and will save you money on your future electric bills.

Uninsulated vent ‘boot’

The metal box in your attic that attaches to the duct and the vent cover screws to is the boot.  In an attic in Florida, the uninsulated boot will generate large amounts of condensation due to the cold air in the boot and the hot air in the attic.
Uninsulated Duct Boot causes New Smyrna Beach Ceiling Stains- 1homeinspector.com
Above is an uninsulated galvanized duct boot. This boot was cold in the hot attic and caused water to condense on it and drip onto the ceiling.
Recommendation:  We recommend having an HVAC contractor evaluate the condition of the ductwork.  Sealing the duct to vent boot joint and insulating old metal ducts will help reduce condensation around the vents.  Older deteriorated ductwork should be replaced.

Dark Stains around your vent Cover

Dark stains around your vent covers may be mold, but more likely it is dust collecting on the damp ceiling.  If the boot is not properly sealed to the ceiling, it will allow attic dust or dirt to seep out of the crack between the ceiling and the vent cover.  Also you may discover a leak where the vent boot attaches to the duct. If not properly sealed, the cold air leaks out, meets up with the warm attic air and creates condensation.

Recommendation:  Find and seal the leak. If the problem vent is easy to access from your attic, you may be able to check for and fix the problem yourself. We recommend consulting with a local HVAC contractor to evaluate and repair the HVAC ducts. 

Covering Stains around the Vent Cover

The dark or water stains around your vent cover are difficult to cover.  When the repairs have been made, the ducts have been caulked and no more condensation is present on the covers it will be time to cover the stains. 

Normal ceiling paint will not cover up these stains.  Moisture and dirt stains around the vent cover are stubborn stains.   Even with multiple coats of ceiling paint, the stains continue to bleed through the ceiling paint.
Recommendation:  We recommend you first cover the stains with two coats of KILZ 2 Multi Surface Primer & Stainblocker then paint with your choice of ceiling paint.


Best Home Inspector in Daytona Beach - Frank Carr of First Choice Home Inspections - 1homeinspector.com


Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 
First Choice Home Inspections
Residential Home Inspections in Central Florida
(386) 624-3893 

Saturday, April 13, 2019

Central Florida New Home Construction Booming

Orlando new home construction was up 51 percent in 2018 compared with the year before.  Construction was led by a surge in apartments but also increases in single family homes, townhouses and condos. Home builders started 16,238 single family homes last year, 12 percent more than 2017. Developers started 12,629 apartments, the most since the Census Bureau began tracking the statistic in 2004.



Central Florida home construction is now at the highest level since 2009 when Obama took office. Home sales peaked in 2005 during the middle of the G.W. Bush administration and hit the bottom early in Obama's first term. Sales have since recovered, but are still at levels not seen since the early 1990s when G.H.W. Bush was leaving office.



Home Inspection in Daytona Beach FL 1homeinspector.com (386) 624-3893 Best Daytona Beach Home Inspection, Wind Mitigation Inspection, Swimming Pool Inspection, Condo Inspection, Condominium Inspection in Daytona Beach,
Building material, skilled labor and lot shortages held new home construction down. Most of the skilled labor were retrained when unemployment peaked in in other fields and did not return when the economy improved.  Builders use of unskilled labor has them spending more time on repairs after the new homes are sold.



Our home inspection schedule has been full in part due to the number of re-inspections required on new home sales. Nationwide there is a labor shortage of 300,000 skilled workers like roofers and framers.


Concentrated urban areas of Orlando are adding homes at the fastest rate. Demand continues to be high in areas such as St. Cloud, Lake Nona, Western Orange County, Western Volusia and Lake County.



Frank Carr is a Licensed Daytona Beach Home Inspector (386) 624-3893
Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 
First Choice Home Inspections
Residential Home Inspections in Central Florida
(386) 624-3893