FLASHING SYSTEMS WALLS. for Research on the Epidemiology of Disasters at the Université Catholique de Louvain (Brussels, Belgium).

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1 reprited from Approved Product News A Well-Protected Facility FM Approvals product testig stadards ad FM Approved products, combied with FM Global loss prevetio guidelies, gird your property agaist the ext big evet Typhoo Fitow, which struck Japa ad Chia. Floodig i Alberta, Caada, ad orther ad southwest Chia cost a estimated US$14.7 billio. ROOF-MOUNTED SYSTEMS ROOFING SYSTEMS FENESTRATIONS For may property owers ad maagers, the beat of impedig atural disasters such as hurricaes, toradoes, tropical storms, floodig, earthquakes, witer storms ad hail storms ca cause sleepless ights, ad for good reaso! A sigle large-scale evet ca have devastatig cosequeces that ca lead to exteded busiess iterruptio, lost market share, supply chai disruptio, labor shortages ad reduced cosumer spedig. There s o deyig that the frequecy ad value of catastrophic evets due to atural hazards are o the icrease from a historical perspective. While the umber of geophysical disasters has remaied fairly stable sice the 1970s, the umber of climate-related (hydrometeorological) disasters has greatly icreased. This is accordig to the Cetre FLASHING SYSTEMS WALLS for Research o the Epidemiology of Disasters at the Uiversité Catholique de Louvai (Brussels, Belgium). I 2013, approximately 84 percet of all ecoomic losses occurred outside the Uited States, well above the average of 65 percet, accordig to a Ao Befield Aalytics report. I fact, the followig atural disasters were cosidered the most costly i terms of 2013 ecoomic losses: Days of record raifall i Cetral Europe i May of last year, cost a estimated US$22 billio. A 6.6-magitude earthquake i Lusha, Chia, cost US$14 billio. A total of US$23 billio i estimated ecoomic loss was attributed to Typhoo Haiya that hit Southeast Asia, ad Despite these ad other losses, most people cotiue to believe disasters wo t happe to them. A survey coducted by the Wharto School of Busiess just before Hurricae Sady made ladfall i the Northeaster Uited States i the fall of 2012 foud that: Oly 16 percet of people surveyed who said they lived i a madatory evacuatio zoe actually plaed to evacuate; Oly 38 percet of those surveyed who lived withi a block of the ocea or a bay believed the mai threat from Sady was from floodig; ad Just 54 percet of those surveyed had flood isurace. Busiesses are lax i disaster preparedess, as well. A recet survey by FM Global foud that may U.S. busiesses were ot prepared for the severe witer of The survey foud that: 41 percet of respodets did ot have a emergecy pla i place to keep their busiesses ruig i the face of extreme weather evets; 45 percet reported that their busiesses experieced fiacial hardship as a result of the extreme witer weather. At FM Approvals ad paret compay FM Global, the core philosophy backed by research ad over 130 years of experiece ad extesive testig is that the majority of losses are prevetable. What bega as a method to improve the risk profile of isured cliets has evolved over the years ito formalized ad publically available loss prevetio resources, icludig Approval Stadards (FMApprovals.com), the Approval Guide reprited from Volume 30, No. 1 : 2014 of Approved Product News

2 reprited from Approved Product News (a olie guide to FM Approved products at approvalguide.com), RoofNav, a webbased roofig desig tool (roofav.com) ad FM Global Property Loss Prevetio Data Sheets (fmglobal.com). FM Approved loss prevetio products are available worldwide from local suppliers. It should be oted that the FM APPROVED mark o products is ot a replacemet for local market regulatory requiremets, such as the CE mark i the Europea Uio, but idicates that a globally accepted volutary certificatio mark, that adds a additioal level of value ad performace assurace, has bee achieved. Compaies ad other orgaizatios that choose to embrace the belief that most losses are prevetable are welcome to use the plaig tools, performace tested products, advice ad prove guidelies from FM Approvals ad FM Global to create the most highly protected facilities possible. This holistic approach to loss prevetio ca result i a buildig evelope that is highly resistat to the most commo atural hazards, icludig widstorms, rai, hail, temperature extremes, sow, ice ad widbore debris impact (see Table 1). Egieerig to create worry-free costructio What follows is a look at a typical idustrial buildig ad the critical compoets that comprise the protective shell or buildig evelope. I additio, we ll cosider the FM Approvals ad FM Global resources available to the geeral public to assist i prevetig loss (see Table 2). From a loss prevetio perspective, the buildig evelope is the outer shell that protects the iterior from the elemets, icludig excessive heat or cold, moisture, wid, hail, sow ad fire. The basic buildig evelope cosists of: roof assembly (i.e., deckig, isulatio, fasteig system, membrae, flashig); roof-mouted systems (e.g., coolig towers, photovoltaic paels); walls; ad feestratios (i.e., widows, doors, shutters). Roofig assemblies ad roof perimeter flashig systems Roofig assemblies are the first lie of defese agaist the elemets i the complete buildig evelope. Roofig assemblies must be able to protect a structure from atural hazards associated with the local eviromet, icludig rai, hail, sow, high wids, temperature extremes eve fire. Natural Hazards FM Approvals Resources FM Global Resources Geeral Approval Guide, a web-based publicatio of FM fmglobal.com/athaz Approvals providig iformatio o more tha 60,000 FM Approved products Wid, Widbore Debris, Rai, Hail Impact, Fire See Table 2 See Table 2, page 10 Floodig Approval Stadard ANSI/FM2510, Flood Abatemet Equipmet Uderstadig the Beefit: Flood Abatemet Earthquake Approval Stadard 1950, Seismic Sway Braces for Pipe, Tubig ad Coduit Approval Stadard 7740, Firesafe Valves Approval Stadard 7400, Liquid ad Gas Safety Shutoff Valves Uderstadig the Beefit: Seismic Sway Bracig Table 1 FM Approvals ad FM Global resources are available to help mitigate the risk posed by most commo atural hazards. All stadards ad other resources oted i this table are free to the geeral public. FM Global Property Loss Prevetio Data Sheet 1-40, Flood FM Global Property Loss Prevetio Data Sheet 10-2, Emergecy Respose Uderstadig the Hazard: Flood Emergecy Checklist: Flood Flood Emergecy Respose Pla Uderstadig the Hazard: Earthquake Shake Damage Fire Followig Earthquake Lack of Earthquake Bracig o Sprikler Systems Lack of Seismic Gas Shutoff Valves Nisqually Earthquake Earthquake Checklist Protectig Your Facility from the Dagers of Earthquakes reprited from Volume 30, No. 1 : 2014 of Approved Product News

3 reprited from Approved Product News Flashig ad other edge securemet compoets help seal the edge of the roof from the elemets ad help secure the roof membrae alog the perimeter of the roof. The majority of roof coverig failures resultig from widstorms ivolve improperly desiged or costructed perimeter flashig systems. Flashig, fascia ad copig are evaluated accordig to Approval Stadard 4435, Edge Systems Used with Low Slope Roofig Systems. If the flashig system fails, a sizable amout of roof coverig will likely be lost. If the roof cover securemet is also iadequate, the expected loss will be eve greater. The failure of a buildig s roof ca have a devastatig impact from which a busiess may ot be able to recover. Whe a roof is damaged or destroyed, the buildig cotets ca be exposed to moisture ad cotamiatio, further compoudig the loss. Most property loss, icludig those ivolvig the roof, ca be preveted. FM Approvals is doig its part to help property owers avoid losses by cotiually improvig Approval Stadards ad by helpig to make it easier for desigers, architects ad cotractors to specify ad istall locally available FM Approved roofig assemblies aywhere i the world. FM Approvals is the oly orgaizatio i the world that tests complete roof assemblies whe subjected to multiple perils such as fire testig above ad below the deck, wid-uplift testig, hail-damage testig, accelerated weatherig, water leakage, foot traffic ad corrosio-resistace testig of metal parts. FM Approved roofig products ad assemblies are listed i RoofNav. This webbased system is free to the public ad takes the guesswork out of cofigurig a FM Approved roofig assembly by puttig all roofig-related iformatio, icludig a ratigs calculator ad related istallatio recommedatios from relevat FM Global Property Loss Prevetio Data Sheets, i oe place. Roof-mouted systems Coolig towers ad photovoltaic systems are ofte mouted o the roofs of commercial ad public buildigs to save footprit space ad take advatage of a elevated locatio. Both of these importat systems are subject to the same atural hazards ad fire risk as the roof itself ad, as such, are covered by Approval Stadards. Coolig towers are a importat heat removal system used i cojuctio with chillers as part of a buildig s heatig, vetilatio ad air coditio system ad as direct coolig system for machiery or heat geeratig processes i idustry. A widely held miscoceptio is that coolig towers are iheretly safe from fire hazards because water flows through them. I fact, coolig towers are ot oly vulerable to fire risks, but may cotai oe or more combustible materials such as polyviyl chloride, fiberglass-reiforced plastic or acryloitrile butadiee styree. Coolig towers are evaluated i accordace with Approval Stadard 4930, Coolig Towers, a comprehesive stadard that covers all tower desigs icludig sigle cell, multi-cell ad rooftop mouted uits. Uder Approval Stadard 4930, the coolig tower must be desiged to withstad seismic ad wid load stresses i accordace with FM Global Loss Prevetio Data Sheet 1-6, Coolig Towers, as well as cyclic air pressure, widbore debris ad fire resistace through full-scale fire testig. Photovoltaic (PV) systems are becomig icreasigly popular as eergy costs rise ad busiesses ad other orgaizatios are uder pressure to cotrol their carbo footprit. Commercial ad private rooftops are viewed as a uderutilized opportuity for solar power geeratio. However, istallatio of rooftop photovoltaic systems is a major udertakig that requires careful cosideratio ad aalysis i order to optimize performace without damagig the roof coverig or the uderlyig structure, or overstressig the support structure of the roof. Rigid PV modules are curretly the most commo form of solar eergy system ad typically require a metal rack system for roof or groud moutig. These rigid modules are evaluated by FM Approvals usig Approval Stadard 4478, Rigid Photovoltaic Modules. Flexible PV modules ca be secured directly to roofig assemblies ad represet a smaller, but growig segmet of the solar eergy market. Flexible thi-film PV modules may be itegrated with roof membraes i the factory or o locatio to form a complete waterproof system. Flexible PV modules are evaluated by FM Approvals usig Approval Stadard 4476, Flexible Photovoltaic Modules. Both rigid ad flexible PV modules are evaluated for combustibility from above the roof deck, wid uplift resistace, hail damage resistace, electrical safety ad performace, seismic resistace, widbore debris resistace ad the log-term impact of high heat absorptio o roof covers. Wall to wall Exterior wall buildig paels desiged with a facer that is exposed to the outdoors are subjected to a umber of atural hazards such as wid, hail ad hurricae-blow debris as well as fire. Exterior walls that have bee compromised ca pave the way for serious damage to the buildig structure ad its cotets, ad result i other costly impacts such as busiess iterruptio. reprited from Volume 30, No. 1 : 2014 of Approved Product News

4 reprited from Approved Product News Buildig Evelope Compoet FM Approvals Resources FM Global Resources Geeral Approval Guide, a web-based publicatio of FM Approvals providig iformatio o more tha 70,000 FM Approved products RoofNav free web-based roofig desig tool for roofig professioals Roofig Systems Approval Stadard 4454, Lightweight Isulatig Cocrete for Use i Class 1 ad Nocombustible Roof Deck Costructio Approval Stadard 4470, Sigle-Ply, Polymer-Modified Bitume Sheet, Built-Up Roof (BUR) ad Liquid Applied Roof Assemblies for Use i Class 1 ad Nocombustible Roof Deck Costructio Approval Stadard 4471, Class 1 Pael Roofs ANSI FM 4473, America Natioal Stadard for Impact Resistace Testig of Rigid Roofig Materials by Impactig with Freezer Ice Balls ANSI FM 4474, America Natioal Stadard for Evaluatig the Simulated Wid Uplift Resistace of Roof Assemblies Usig Static Positive ad/or Negative Differetial Pressure Approval Stadard 4475, Class 1 Steep Slope Roof Covers Approval Stadard 4477, Vegetative Roof Systems Uderstadig the Beefit: Roofig Uderstadig the Beefit: Lap Seam Roofs Flashig Systems Approval Stadard 4435, Edge Systems Used with Low Slope Roofig Systems Roof-Mouted Systems Approval Stadard 4930, Coolig Towers Approval Stadard 4476, Flexible Photovoltaic Modules Approval Stadard 4478, Rigid Photovoltaic Modules Uderstadig the Beefit: Coolig Towers Uderstadig the Beefit: Photovoltaic Modules Walls ANSI FM 4880, America Natioal Stadard for Evaluatig Isulated Wall or Wall ad Roof/Ceilig Assemblies, Plastic Iterior Fiish Materials, Plastic Exterior Buildig Paels, Wall/ Ceilig Coatig systems, Iterior or Exterior Fiish Systems Approval Stadard 4881, Class 1 Exterior Wall Systems Uderstadig the Beefit: Isulated Paels (Exterior Buildig Paels) Feestratios Approval Stadard 4350, Widstorm Resistat Feestratios Approval Stadard 4431, Skylights Uderstadig the Beefit: Skylights Earthquake Approval Stadard 1950, Seismic Sway Braces for Pipe, Tubig ad Coduit Approval Stadard 7740, Firesafe Valves Approval Stadard 7400, Liquid ad Gas Safety Shutoff Valves Uderstadig the Beefit: Seismic Sway Bracig FM Global Property Loss Prevetio Data Sheets: 1-9, Roof Achorage 1-28, Wid Desig 1-28R, Roofig Systems 1-29, Roof Deck Securemet ad Above-Deck Roofig Compoets 1-31, Metal Roof Systems 1-32, Existig PVC Roof Covers 1-33, Safeguardig Torch-Applied Roof Istallatios 1-35, Gree Roof Systems 1-52, Field Verificatio of Roof Wid Uplift Resistace 1-54, Roof Loads for New Costructio Publicatios: Protectig Your Facility Agaist Major Widstorms Severe Widstorm Checklist FM Global Property Loss Prevetio Data Sheet 1-49, Perimeter Flashig FM Global Property Loss Prevetio Data Sheet 1-6, Coolig Towers FM Global Property Loss Prevetio Data Sheet 1-20, Protectio Agaist Exterior Fire Exposure Uderstadig the Hazard: Earthquake Shake Damage Fire Followig Earthquake Lack of Earthquake Bracig o Sprikler Systems Lack of Seismic Gas Shutoff Valves Nisqually Earthquake Earthquake Checklist Protectig Your Facility from the Dagers of Earthquakes Table 2 Buildig evelope compoets ad the FM Approvals ad FM Global resources available to protect them. All stadards ad other resources oted i this table are free to the geeral public ad address a wide rage of atural ad mamade hazards, icludig Wid, Rai, Widbore Debris, Hail Resistace, ad Fire. reprited from Volume 30, No. 1 : 2014 of Approved Product News

5 reprited from Approved Product News FM Approvals is the oly orgaizatio that tests exterior wall systems for fire performace as well as their ability to withstad atural hazard evets without damagig the buildig structure. FM Approved exterior wall systems are tested i accordig with ANSI FM (R20007), America Natioal Stadard for Evaluatig Isulated Wall or Wall ad Roof/Ceilig Assemblies, Plastic Iterior Fiish Materials, Plastic Exterior Buildig Paels, Wall/Ceilig Coatig Systems, Iterior or Exterior Fiish Systems ad Approval Stadard 4881, Class 1 Exterior Wall Systems. These stadards evaluate the fire performace of a wall system, as well as atural hazard performace such as wid loadig, widbore debris resistace ad hail resistace. Feestratios The buildig evelope is oly as strog as its weakest lik. Widows, doors, skylights, shutters ad impact-resistat films feestratios should ot be overlooked whe desigig a buildig to withstad hurricaes, powerful widstorms, hail ad widbore debris. Damage to feestratios ca lead to serious damage to the buildig cotets ad the buildig structure itself. Approval Stadard 4350, Widstorm Resistat Feestratios, provides performace-based requiremets for simulated static ad cyclic wid loadig, widbore debris (choice of small ad/or large missile impacts) ad hail resistace. FM Approvals provides customers with several widstorm zoe categories, based o product performace, icludig the highest category, Zoe HM for hurricaeforce wid with missile impact; Zoe H for hurricae-force wid oly; ad Zoe NH for o-hurricae areas. I additio, Approval Stadard 4431, Skylights, makes it easier for architects, specifiers ad cotractors to iclude certified products i daylightig desigs. Skylights are susceptible to damage from atural hazards such as hail, wid uplift, foot traffic ad debris impacts. Skylights, particularly those made from plastic, also pose a fire risk from both iteral ad exteral sources. The fire test i Approval Stadard 4431 evaluates the ability of the skylight to limit flame spread, ad measures the sample s propesity to melt ad drip, which could adversely impact the performace of spriklers located just below. Flood ad seismic protectio I additio, for orgaizatios that are already located withi kow flood ad seismic zoes, FM Approved products also are available to protect the buildig evelope from these atural hazards (see Table 1). For istace, FM Approved seismic sway bracig is available worldwide to protect pipe, tubig ad coduit from the impact of earthquakes. This bracig ca be used to secure pipig systems, icludig automatic sprikler systems, from potetially damagig seismic movemet. The failure of sprikler systems is a major cocer due to the likelihood of fires developig followig a sigificat earthquake. Followig the 6.9-magitude 1995 Hashi (Kobe) earthquake, 108 fires were reported resultig i the loss of 5,000 structures. Kobe s water distributio system sustaied approximately 1,750 leaks ad breaks. FM Approved flood-abatemet products are ow available to help keep flood waters away from critical facilities ad structures ad the iterior of buildigs dry. Thaks to a partership betwee FM Approvals, the Uited States Army Corps of Egieers, ad the Associatio of State Floodplai Maagers (ASFPM), the ASFPM Natioal Flood Barrier Testig ad Certificatio Program offers four levels of certificatio for temporary perimeter flood barriers ad opeig barriers. The ew program is based o the atioally recogized Approval Stadard ANSI/FM2510, Flood Abatemet Equipmet (atioalfloodbarrier.org/). Hard kocks lead to savigs Hurricae Adrew i 1992 taught us some hard lessos ad we had to apply chages across the board, explais Rich Ferro, operatios vice presidet ad maager of FM Approvals testig ad certificatio services. Accordig to Ferro, followig Adrew, FM Global ad FM Approvals took a fresh look at loss prevetio durig wid evets ad atural hazards i geeral. We ve itroduced ew, stroger performace-based stadards that help provide for FM Approved products that are optimized for the expected itesity of atural hazards i a give locatio, said Ferro. He cotiued, We kow we ve had a sigificat impact because whe Katria hit i 2005, FM Global cliets who followed the loss prevetio recommedatios, which icluded recommedatios for FM Approved products, reduced their losses by 85 percet compared to those who did t. Jea-Philippe Roisi, FM Approvals maager of busiess developmet for Europe otes that FM Approved products ca help architects, desigers, cotractors ad buildig owers worldwide specify performace-tested assemblies ad compoets that ca help protect a busiess from the atural hazards expected i their local eviromets. P FM Global. (08/2014) All rights reserved. fmglobal.com reprited from Volume 30, No. 1 : 2014 of Approved Product News