Clips vs. Wraps: Securing Maximum Wind Credits (2026)
How Section 4 of form OIR-B1-1802 determines your structural insurance discount.
Technical Summary
- The 3-Nail Rule: A "Clip" must be secured by at least 3 nails to qualify. Anything less defaults to a high-premium "Toe-nail" rating.
- Single vs. Double Wrap: Straps that wrap over the truss (Wraps) provide superior uplift resistance and higher credits than simple side-mount clips.
- Underwriter Audits: In 2026, carriers are requesting photo evidence of nail counts. "Ballpark" inspections are leading to credit denials.
- Structural Integrity: Verified connections are a key data point for your building's overall 2026 health profile.
Why Nail Counts Matter
Many Florida associations believe they have "Clips," only to discover their premium is based on "Toe-nails." If your current report doesn't specifically document at least three nails per connection, you are likely overpaying for insurance. FPAT’s expert inspectors perform attic-access verifications to ensure every nail is counted and every credit is captured.
