Second Floor Wood Frame Florida Insurance

Buildings in class 1 consist of ceilings floors and weight bearing supports made from combustible materials such as wood.

Second floor wood frame florida insurance.

If you buy a newer two story home anywhere in florida you will likely get the equivalent of a chocolate vanilla swirl cone. Some of this was due to building codes. 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. Framers construct the second story floor system to match the layout of the main floor system.

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. On 2 story houses most post 1980 were built first floor block second floor wood. 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. 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.

Concrete block first floor and wood frame second floor. He said the furniture will crack the tile since the tile doesn t bend like wood. I called an installer and he told me he would not install tile on 2nd floor. 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.

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 m interested in installing those porcelain wood looking tiles on about 800 sq feet on the 2nd floor of a home. Class 1 structures present the highest risk of loss during a. In the last home boom 2001 2008 there were a lot of wood frame homes built due to material cost.

The northern part of the state as well as the panhandle and some central florida areas are mainly built in wood frame. Post hurricane andrew especially in south florida a good percentage of construction turned back to block.