Second Floor Wood Frame Florida Insurance

We both grew up in concrete block homes in south florida so that probably skews our opinion a bit but here s our list of the pros and cons of each construction type.

Second floor wood frame florida insurance.

Post hurricane andrew especially in south florida a good percentage of construction turned back to block. The northern part of the state as well as the panhandle and some central florida areas are mainly built in wood frame. Framers construct the second story floor system to match the layout of the main floor system. If you buy a newer two story home anywhere in florida you will likely get the equivalent of a chocolate vanilla swirl cone.

It all depends on geography as the northern part of the state as well as the panhandle and some central florida areas are majority built in wood frame while other areas in florida typically build cmu homes even though the majority of homes with a second floor that is made out of engineered wood frame construction. In the last home boom 2001 2008 there were a lot of wood frame homes built due to material cost. A building s exterior whether wood masonry or metal has no impact on the frame classification since these materials do not support the structure in any way. I called an installer and he told me he would not install tile on 2nd floor.

The other areas in the state generally build cmu homes even though the majority of homes with a second floor are constructed out of engineered wood frame construction. On 2 story houses most post 1980 were built first floor block second floor wood. Class 1 structures present the highest risk of loss during a. Buildings in class 1 consist of ceilings floors and weight bearing supports made from combustible materials such as wood.

A second story house offers additional living space without the need for a larger foundation leaving you with more room for recreation or gardening in your yard. Concrete block first floor and wood frame second floor. A sagging floor is almost always a sign of a structural problem and can be the first sign of a sinking foundation that will lead to more damage. He said the furniture will crack the tile since the tile doesn t bend like wood.

I m interested in installing those porcelain wood looking tiles on about 800 sq feet on the 2nd floor of a home. In addition to foundation problems termite infestations wood rot waterproofing problems damaged floor joists or subfloors and a slew of other types of structural damage can cause floors to sag and.