Second Floor Wood Frame Florida Insurance

The northern part of the state as well as the panhandle and some central florida areas are mainly built in wood frame.

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. The northern part of the state as well as the panhandle and some central florida areas are mainly built in wood frame. If you buy a newer two story home anywhere in florida you will likely get the equivalent of a chocolate vanilla swirl cone. Buildings in class 1 consist of ceilings floors and weight bearing supports made from combustible materials such as wood.

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. 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. 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. Class 1 structures present the highest risk of loss during a.

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

Concrete block first floor and wood frame second floor. Framers construct the second story floor system to match the layout of the main floor system. Post hurricane andrew especially in south florida a good percentage of construction turned back to block. 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.

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. In the last home boom 2001 2008 there were a lot of wood frame homes built due to material cost.