Roofs anchored to our structures?
 

Question on roofs if they are anchored to the walls of our houses. Curious as to our 2009 build has the roof to wall anchors as this seems to be a discount insurance line item. We are block and stucco construction.

Never seen (in 30 years) a roof which was not.

But............Check with your county for their historical requirements.

Post-Andrew, the building standards in Florida were revised and raised to ensure hurricane survivability. Obviously, the standards are neither perfect nor all inclusive, but they very good. The aftermath of Irma here in The Villages showed little structural damage, whith shingle loss being the biggest non-debris related damages.

OP, I believe what you are asking about is called wind mitigation construction, I do not know exactly when this was implemented in the villages, however, there are inspection agencies that will determine if you house has this design feature. Your insurance carrier probably has a list of approved inspectors.

Yes, call them hurricane straps.

Wind Mitigation Features In the Florida building Code after 2002
 

As pointed out by many previous responders, after Hurricane Andrew the wind mitigation requirements became part of the Florida Building Code in 2002. Your house built in 2009 should qualify for the insurance discounts for the roof to wall anchors.
Contact your insurance provider to confirm that you are getting the applicable discounts. It should be automatic based on year of construction in 2009. Just do a search on Wind Mitigations standards in Florida in 2002 and later for a discussion.

Some additional details.

Call TV construction and go up over your garage and visualize/take a picture of the type of fasteners used

I had a wind mitigation inspection by Sunbird. She (Debbie) is certified to do this specific type of inspection. I submitted it to USAA and got a discount on my insurance. Sunbird Home Inspections | Home Inspections | The Villages, FL

2021
 

The newest rules permit only 12 inch soffits, underlayment is required (can be double felt) and structural integrity is set at a minimum of 150 mph sustained. If the entire diaphragm is ruptured or removed beyond 30%, a new roof and sheathing is required by the FBC.

So what am I looking for if I decide to venture into the Attic with my flashlight? Have to reorganize Christmas totes anyway but while I'm up there....

Check the building codes for your county and the date they became effective. In Marrion, for probably at least the last 10 years, rebar is anchored in the footings and extended up to the roof.

Devices called "Truss Anchors" are required by National Building Standards code.
Simpson Inc. is a prominent mfg of these clips and straps.
Images: simpson truss anchors - Google Search

Highly unlikely the insurance will take your word for it. Did you have a home inspection when you bought your house? Did your agent recommend a wind mitigation inspection? Check first. If not I would call insurer and ask if they need it for the discount, if they do call the prior inspector. If it has been awhile then higher a new inspector.

Great
 

Not bad, if you do all of those things you get a 152% reduction in your insurance bill. ...

March of 2002 was when the Florida Building Code took effect and 2007 was when insurers were required to recognize features of a home that would reduce hurricane damage and provide a discount structure for those items. All State-licensed building inspectors and Licensed Home Inspectors can perform those inspections as it is a training requirement by the state.

law
 

btw i was going to do taxes for AARP group for a couple they had a new house on the gulf built with full standards to handle a hurricane but moved to The Villages after it was destroyed. AARP only does std deduction not special forms I sent them to a paid preparer so they get their Qualified disaster losses. Key to you is that ocean or gulf view out your window is nice UNTIL the hurricane hits but I don't think you can get insurance there now anyway.

Florida Homes Built Before 2002 Don't Meet Today's Hurricane Codes. IN 1992 HURRICANE ANDREW CONFIRMED THAT MANY FLORIDA HOMES WEREN'T STRONG ENOUGH TO WITHSTAND A STORM OF THAT MAGNITUDE. By 2002, a stronger statewide Florida building code had been adapted and put in place.

it appears discounts applied to roof anchors types if you look at my insurance copy image page 1 of this thread. 35%x3 or167.04 x3. Fyi .. we are in Sumter county.

My house was built in 2009. The declarations page on my homeowners insurance shows a 'wind mitigation device' credit.

Ground Hog Day
 

Then there was Ground Hog Day in 2007! Everyone pulling together to get people situated. Recreation centers with insurers and social representatives sticking it out to help so many. The laws after this catastrophe in the Villages have certainly helped.

The reason Homestead was such a nightmare was they were not. FL Hurricane building codes have changed over the years. A windstorm inspection should detail what is and is not in your particular home

Required as of 2003 throughout Florida, a statewide adoption of the Miami Dade standard. Back when leadership was interested in containing insurance costs.