Hurricane Straps & Roof-to-Wall Connections | AGK

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Hurricane straps are the metal connectors that tie your roof structure to the walls below it. In a strong wind, the roof is pulled upward, and the connection between the roof framing and the top of the wall is often what decides whether the roof stays on. Older homes in South Florida were frequently built with only nails driven at an angle, called toe nails, while newer construction uses metal clips or wraps. This page explains how roof-to-wall connections work, how to find out what your home has, and how an upgrade is permitted, installed, and inspected.

AGK Construction & Roofing holds Florida Roofing license CCC-1335099 and General Contractor license CGC-1534839 and serves Miami-Dade and Broward. Hurricane straps Miami-Dade and hurricane straps Broward homeowners ask about most often involve older homes, so we start with a free look at your attic framing and tell you what you have, whether an upgrade makes sense, and what the permit will require.

What Roof-to-Wall Connections Are

The Connection

The roof trusses or rafters rest on the top plate of the wall. A connector, whether you call it a hurricane strap, hurricane clip, or hurricane tie, is a metal piece nailed to both the roof framing and the wall so the roof cannot lift off.

Why It Matters

Wind creates uplift, like an airplane wing. The roof covering can be perfect and the roof can still be at risk if the framing is only held down by gravity and a few toe nails.

Hurricane Clips vs Straps

Hurricane clips vs straps is a common question. Clips are small connectors that attach the framing to the wall, while straps wrap over the top of the truss or rafter and fasten on both sides.

Not All Connectors Are Equal

Toe nails, clips, single wraps, and double wraps all hold differently. Insurance inspectors and building departments classify them separately, and the type affects both safety and insurance credits.

How to Find Out What Your Home Has

The Attic Inspection

Someone has to look at the framing, usually from the attic. We check how each truss or rafter is connected to the wall, whether the connectors are the right type, and whether they are fully nailed.

Your Wind Mitigation Report

Many homeowners already have a wind mitigation inspection report from their insurance. A roof-to-wall connection wind mitigation report lists the attachment as toe nails, clips, single wraps, or double wraps. It is a good starting point, but we still verify in person.

Age and Construction

The year the house was built and the building code at the time are strong hints. Older masonry homes with wood roof framing often have toe nails only.

Upgrading Hurricane Straps on an Existing Home

Hurricane Straps Retrofit on an Existing Home

A roof to wall connection retrofit, also called a roof-to-wall connection upgrade or hurricane straps retrofit, adds metal connectors at each truss or rafter location, with approved fasteners, so the roof framing is strapped to the wall. The right connector depends on the framing and the wall construction. Hurricane straps installation is usually done from the attic, which is also how we handle hurricane straps for roof trusses and rafters.

Tile Roofs

On tile roofs, access and sequencing matter. Homeowners ask about hurricane straps tile roof access, and the answer is that straps are installed from the attic where possible, so the roof covering does not have to be removed just for the connectors. If a reroof is already planned, the work is often coordinated with it.

Engineering When Needed

Some homes need an engineer's detail or letter, especially if the framing is unusual or the existing connection is unclear. We tell you early if that is likely.

Approved Products

In Miami-Dade and Broward, which are in the High Velocity Hurricane Zone, structural connectors and fasteners have to be products the building department accepts for that use. We specify and document them.

Is a Roof-to-Wall Retrofit Required When You Reroof?

The Rule and the 15 Percent Cap

Florida's Existing Building Code requires many older single-family homes in the wind-borne debris region to have their roof-to-wall connections improved when the roof covering is replaced. Broward's forms cite Section 706.8 of the Florida Existing Building Code. The mandated roof to wall retrofit when reroofing is capped: the work required does not have to cost more than 15 percent of the reroof, and the 15 percent rule prioritizes gable ends and corners first, so a gable end roof to wall retrofit is often the first piece of work.

Miami-Dade County

Miami-Dade County publishes an Owner's Affidavit of Exemption for the roof-to-wall retrofit. The reasons it lists include a building with an insured value of $300,000 or less, an uninsured home whose just value is under $300,000, or connections at the gable ends or all corners that cannot be completed for 15 percent of the cost of the roof replacement, supported by a general contractor's estimate. Some cities in the county post their own copy of the form.

Broward County

Broward building departments use a Hurricane Mitigation Affidavit under Section 706.8 of the Florida Existing Building Code. It is a prescriptive method that sets how existing straps are verified or how new connectors and fasteners are added, within the same 15 percent limit. Forms and procedures vary by city.

Who Can Do the Work

The connector work is typically permitted and installed by a licensed general or building contractor, so confirm the requirement with your building department. AGK holds a Florida General Contractor license and can prepare the written retrofit estimate that an exemption request asks for.

Ask Before You Sign

Before you sign a reroof contract, ask whether a hurricane straps retrofit applies to your home, whether you qualify for an exemption, and who is pulling the retrofit permit. Hurricane straps required when reroofing is a question for your building department, because it depends on the home's value, age, and location.

Permits and Inspections

Hurricane Straps Permit

A hurricane straps permit is generally required for a structural upgrade like this. The rules and the permit type depend on the city, so we confirm with the issuing building department before we start.

Hurricane Straps Inspection

A hurricane straps inspection looks at the connectors, the fasteners, and the layout. If anything is missed or installed wrong, the correction list tells us what to fix before the permit is closed.

Closing the Permit

We request the final inspection and confirm the permit is closed. If a previous contractor left a roofing or structural permit open, see our page on changing the contractor on a permit.

Insurance and Wind Mitigation

The Mitigation Form

Insurers use Florida's Uniform Mitigation Verification Inspection Form, OIR-B1-1802. For roof-to-wall attachment it rates the weakest connection present as toe nails, clips, single wraps, or double wraps. Florida revised the form in 2026, so ask your inspector which version and which retrofit options apply.

Premium Credits

A hurricane straps insurance discount comes from Florida insurers' credits for wind-resistant features, including stronger roof-to-wall attachment. The credit depends on your insurer, your policy, and the rest of your wind mitigation report.

Updated Report

After an upgrade, a licensed inspector can complete an updated wind mitigation inspection, and the wind mitigation roof to wall section will show the new attachment type so the insurer sees the new attachment type. We provide the permit and final inspection documents that support it.

No Guarantees

We cannot promise a specific discount. Ask your insurer what credits apply to your policy before you decide.

Common Mistakes With Hurricane Straps

Partial Installation

Straps on some trusses but not others leave weak points. A proper retrofit addresses every location the design calls for.

Wrong or Missing Fasteners

A connector is only as good as its fasteners. Missing nails, wrong nails, or nails that miss the framing reduce the strength a lot.

Unpermitted Work

Unpermitted strap work can be rejected by an insurance inspector and can cause problems at sale. We pull the permit and document the final.

Covering Without Inspection

Work that is covered before the inspection may need to be opened up so the inspector can see it. Schedule the inspection before anything is closed.

How We Handle a Hurricane Strap Upgrade

  1. 1

    Free Attic Review

    We look at your framing and tell you what you have and what an upgrade involves.

  2. 2

    Scope and Documentation

    You get a written scope, and an engineer's detail if the framing calls for one.

  3. 3

    Permit

    We pull the permit with the building department that has jurisdiction.

  4. 4

    Installation

    Our licensed crews install approved connectors and fasteners at each location in the scope.

  5. 5

    Inspection

    We request and attend the inspection and correct anything the inspector lists.

  6. 6

    Closeout and Insurance Paperwork

    We confirm the permit is closed and give you the documents to share with your insurer or wind mitigation inspector.

Related Pages

Want to Know What Is Holding Your Roof Down?

Call for a free attic review. We will tell you what you have and what the permit would require.

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Hurricane Straps FAQ

Answers for Miami-Dade and Broward homeowners

They are metal connectors, also called hurricane clips or hurricane ties, that fasten roof trusses or rafters to the walls so the roof resists uplift in high wind.

Look at the framing in the attic or check your wind mitigation report. It lists the attachment as toe nails, clips, single wraps, or double wraps. We can verify in person.

They are different ways of connecting the roof framing to the wall. Toe nails are angled nails, while clips and wraps are metal connectors. Wraps go over or around the framing and generally hold more than clips or toe nails.

Yes. A retrofit adds connectors at each framing location, usually from the attic.

A structural retrofit generally needs a permit. The details depend on the city, so we confirm with the building department first.

It depends on the roof framing, access, and the number of connection points. We give a written price after a free attic review.

It can qualify you for a credit, depending on your insurer and policy. Ask your insurer, and update your wind mitigation report after the work.

Often not, because connectors are usually installed from the attic. If the roof is being replaced anyway, the work can be coordinated with it.

It can, depending on the building and jurisdiction. Ask before signing a reroof contract so the scope is right.

Yes. The building department inspects structural work under the permit, and we correct anything the inspector lists.

For many older single-family homes in South Florida, yes, unless an exemption applies. Florida's Existing Building Code requires roof-to-wall connections to be improved at reroof, with the work limited to 15 percent of the reroof cost and gable ends and corners prioritized. Your building department decides which forms and exemptions apply.

It is the form Miami-Dade County uses so an owner can certify why the roof-to-wall retrofit is not required, such as an insured value of $300,000 or less or a retrofit that would cost more than 15 percent of the reroof. Supporting documents, like insurance proof or a contractor's estimate, are required.

The mandated retrofit does not have to cost more than 15 percent of the cost of replacing the roof. If a full retrofit would exceed that, the code prioritizes certain elements, such as gable ends, within the limit.

They can, because the mitigation form credits stronger roof-to-wall attachment. The amount depends on your insurer and the rest of your report, so ask your insurer.

Clips are small connectors that attach the framing to the wall. Straps wrap over the top of the truss or rafter and fasten on both sides. The mitigation form rates them as separate categories: clips, single wraps, and double wraps.

Yes, Miami-Dade and Broward.

Yes.

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