Florida Commission on Hurricane Loss Projection Methodology Presentation October 29, 2009
|
|
|
- Silas Sutton
- 8 years ago
- Views:
Transcription
1 Florida Commission on Hurricane Loss Projection Methodology Presentation October 29, 2009
2 1. Introduction to FPAT 2. Focus on Commercial/Residential Inspections 3. Commercial/Residential Construction Features 4. Domino Effect of One Incorrect Commercial Mitigation Affidavit 5. Existing Work Force 6. Recommendations 2
3 Introduction to Insurance adjusting and underwriting service company Insurance Services provided include: Commercial Insurance Valuations/Appraisals Commercial/Residential Windstorm Mitigation Reports NFIP Commercial Insurance Valuations/Appraisals NFIP V-Zone Mitigation Reports We have over 1,000 commercial/residential clients resulting in mitigation data for over 100,000 residential units (personal lines) 3
4 Focus on Commercial/Residential Inspections We believe the committees focus on single family housing is only the tip of the iceberg One incorrect single family mitigation affidavit results in one incorrectly rated policy One incorrect commercial/residential mitigation form results in a significant number of incorrectly rated policies According to the DBPR there are in excess of 25,000 Condominium Associations active in Florida Our database indicates the average condominium association has in excess of 100 members 100 Members X 25,000 Assn s = 2,500,000 individual housing units 4
5 Commercial/Residential Construction A good portion of commercial/residential structures are built differently than single family residential homes Inspectors must have commercial experience 5
6 Commercial/Residential Construction Bar Joist Roof Construction What is the roof deck attachment? What is the roof-wall connection? Lightweight Concrete poured in a form supported by metal bar joists Commonly mistaken for reinforced concrete roof slab by inspectors without commercial experience 6
7 Commercial/Residential Construction HVAC Equipment Located on roof Must be installed to code in order for roof covering to qualify for discounts 7
8 Commercial/Residential Construction Glass exterior walls (curtain walls) Multiple Stories Opening Protection is more complicated 8
9 Example Condominium Association located in St. Petersburg, FL Inspector completed OIR-1802 Mitigation affidavit for Three Identical 3-Story, 96-Unit Condominium Buildings The inspector certified the roof construction was a reinforced concrete slab Our company was hired to complete an insurance valuation/appraisal and a updated mitigation affidavit After a physical inspection and review of blue prints we determined the roof construction was in fact lightweight concrete supported by bar joists 9
10 The Domino Effect In the case of the example condominium in St. Petersburg: three incorrect OIR-1802 forms resulted in 288 incorrect individual personal lines mitigation affidavits. This equates to thousands upon thousands of dollars in lost premiums for a variety of Insurance Companies 10
11 Existing Work Force Commercial Insurance Adjusters Readily available work force of individuals licensed by the Department of Financial Services Subscribe to a code of ethics Mandated CE Credits by the Department They must work for a company, they cannot work alone 11
12 Existing Work Force Commercial Insurance Adjusters The wheel has already been invented The work force has already been trained and is ready to go to work 12
13 Recommendations For Commercial/Residential Inspections 1. Create new Windstorm Mitigation Form that relates to Commercial Building Features 2. Mitigation Format must include pictures and written explanations of the features 3. Inspectors must have commercial experience 4. Utilize Commercial Insurance Adjusters 13
14 Contacts P.O. Box 3977 Spring Hill, FL Ph Fx Phillip Franco General Adjuster # D Flood Certification # Certified Appraiser Certified Construction Inspector, ACI, CCI # 7140 John Felten Sr. Adjuster # D Flood Certification # Certified Building Contractor # CBC Certified Wind & Hurricane Mitigation Inspector Brad Felten Sr. Adjuster # E Flood Certification # Certified Wind & Hurricane Mitigation Inspector 14
CITIZENS PROPERTY INSURANCE CORPERATION
1 CITIZENS PROPERTY INSURANCE CORPERATION FLORIDA BUILDING CODE COMMERCIAL MITIGATION VERIFICATION AFFIDAVIT(s) Prepared for: RAINTREE VILLAGE CONDOMINIUM NO.3 ASSN, INC. As of February 28, 2008 FPAT FILE
Replacement Cost Valuation ABC Condominium Association, Inc. 123 Anywhere St Your Town, Florida 34695
Insurance Appraisals Reserve Studies Wind Mitigation Replacement Cost Valuation ABC Condominium Association, Inc. 123 Anywhere St Your Town, Florida 34695 Prepared for ABC Condominium Association, Inc.
CITIZENS PROPERTY INSURANCE CORPORATION BUILDING TYPE II AND III MITIGATION VERIFICATION AFFIDAVIT
CITIZENS PROPERTY INSURANCE CORPORATION BUILING TYPE II AN III MITIGATION VERIFICATION AFFIAVIT This affidavit must be completed to capture mitigation features applicable to a Type II (4 to 6 story) or
CITIZENS PROPERTY INSURANCE CORPORATION. STREET ADDRESS: 14300 Gulf Blvd, Maderia Beach, FL 33708 6 Six story masonry residence
CITIZENS PROPERTY INSURANCE CORPORATION BUILDING TYPE II AND III MITIGATION VERIFICATION AFFIDAVIT This affidavit must be completed to capture mitigation features applicable to a Type II (4 to 6 story)
The Palms of Okaloosa Condominium
The Palms of Okaloosa Condominium LOCATION: 670 NAUTILUS COURT FT. WALTON BEACH, FLORIDA 32548 IP Risk Services, Inc. 9721 TIFFANY OAKS LANE, SUITE 200 TAMPA, FL 33612-7510 Email: IPRiskServices@aol.com
CHARLOTTE COUNTY Community Development Department
CHARLOTTE COUNTY Community Development Department Building Construction Services Division 18400 Murdock Circle, Port Charlotte FL 33948 Phone: 941.743.1201 Fax: 941.764.4907 www.charlottecountyfl.gov 50
(DATE) Sincerely, XXXX
OIR-B1-1655 (REV. 7/07) NOTICE OF PREMIUM DISCOUNTS FOR HURRICANE LOSS MITIGATION *** Important Information *** About Your Homeowners Insurance Policy (This form was developed by the Florida Office of
Hurricane Damage. How Wind Forces Affect Homes
Hurricanes are among the most destructive and costliest of all natural disasters. Since 1995, the United States has entered a cycle of more intense hurricane activity. Between 2003 and 2007 Florida was
Insurance Mitigation Factors for Homeowners Purchasing Garage Doors In Florida
Insurance Mitigation Factors for Homeowners Purchasing Garage In Florida The following questions and answers are intended to clarify the effect on insurance premiums for Florida homeowners when a new or
Important Information for Owners of Buildings in Flood Zones
Important Information for Owners of Buildings in Flood Zones Rebuilding your home after the storm? Adding on, renovating, or remodeling your home? Here is information YOU need to know about the 50 percent
Genesis Home Inspections LLC
Genesis Home Inspections LLC _ This Inspection was performed and Completed by a Licensed Home Inspector under Section 468.8314, Florida Statutes who has completed the statutory number of hours of Hurricane
RESIDENTIAL ROOF PERMITTING - 101. A REFRESHER WORKSHOP September 11, 2014
RESIDENTIAL ROOF PERMITTING - 101 A REFRESHER WORKSHOP September 11, 2014 Agenda Basics of Permit Application Use of Charlotte County GIS system Florida Product Approvals Top Application Mistakes Standard
HOW METAL BUILDING INSURANCE COSTS COMPARE TO OTHER BUILDING TYPES
MBMA INSURANCE BULLETIN no. 15 HOW METAL BUILDING INSURANCE COSTS COMPARE TO OTHER BUILDING TYPES Contractors who build with other products will compete with metal buildings based on an assumption that
ELIGIBILITY CHECKLIST:
As stated in 38-75-485 of the Omnibus Coastal Property Insurance Reform Act of 2007, the South Carolina Hurricane Damage Mitigation ( SC Safe Home ) program is established within the South Carolina Department
FLORIDA PRODUCT APPROVAL
FLORIDA PRODUCT APPROVAL Frequently Asked Questions January 2005 The Florida Product Approval System was implemented on October 1, 2003. Many product manufacturers and building officials are asking questions
SUBSTANTIAL IMPROVEMENT OR SUBSTANTIAL DAMAGE NOTICE TO PROPERTY OWNER
NOTICE TO PROPERTY OWNER Rebuilding your Home after the storm? Adding on, renovating, or remodeling your home? Here's information YOU need to know about the 50% Rule. If your home or business is below
Chris Carter. As we enter hurricane season in South Florida, let's discuss hazard insurance from a lending perspective
As we enter hurricane season in South Florida, let's discuss hazard insurance from a lending perspective Hazard insurance is an important part of owning and financing real estate - Lenders require buyers/borrowers
FOUR POINT INSPECTION REPORT
FOUR POINT INSPECTION REPORT Office Address: 6010 NW 42 nd Ave Fort Lauderdale, FL 33319 Phone: (954)881-4899 Email : ORDER/FILE#: C46 ADDRESS: 2834 ANYWHERE AVENUE, HOLLYWOOD, FL 33000 Note to Policy
SUBSTANTIAL IMPROVEMENT OR SUBSTANTIAL DAMAGE APPLICATION REVIEW
CITY OF EDGEWATER BUILDING DEPARTMENT 104 North Riverside Drive Edgewater, Florida 32132 Phone: (386) 424-2400 X 1514 FAX: (386) 424-2423 SUBSTANTIAL IMPROVEMENT OR SUBSTANTIAL DAMAGE APPLICATION SUBSTANTIAL
APPLICATION FOR NON-SUBSTANTIAL DAMAGE / IMPROVEMENT REVIEW
APPLICATION FOR NON-SUBSTANTIAL DAMAGE / IMPROVEMENT REVIEW Parcel Number: Owner s Name: Co-Owner s Name: Owner s Mailing Address: Owner Phone Number: FIRM Panel: Lowest Floor Elevation (excluding garage):
SUBSTANTIAL IMPROVEMENT/DAMAGE NOTICE TO PROPERTY OWNERS
SUBSTANTIAL IMPROVEMENT/DAMAGE NOTICE TO PROPERTY OWNERS Rebuilding or repairing your home/business after the storm? Adding on, renovating, or remodeling your home/business? Here s information YOU need
NATIONAL FLOOD INSURANCE PROGRAM (NFIP) SUBSTANTIAL DAMAGE/ SUBSTANTIAL IMPROVEMENT (50% RULE)
NATIONAL FLOOD INSURANCE PROGRAM (NFIP) SUBSTANTIAL DAMAGE/ SUBSTANTIAL IMPROVEMENT (50% RULE) If your home or business is located within a 100-year floodplain and it was constructed through a County Building
Frequently Asked Questions
Warren County, Tennessee Building & Environmental Codes Department 201 Locust Street, Suite 6 McMinnville, TN, 37110 931.474.2633 Frequently Asked Questions What building codes are the Warren County Building
Wind Mitigation Inspection
tpatrick@ispects.me Tampa Bay Area: SW & Central Florida: (813) 368-6407 (239) 896-3986 Wind Mitigation Inspection VonHaase, Dale 4585 Bowen Bayou Road Sanibel, FL 33957 5/6/2013 Note to Policyholder:
Student Academic Achievement Committee (SAAC) Standardized Report Form
Student Academic Achievement Committee (SAAC) Standardized Report Form INTRODUCTION Program/Discipline Title: Construction Technology General Construction Concentration Degree Time Period: Fall term through
CHECKLIST OF DOCUMENTS NEEDED DO NOT FAX, BRING ALL DOCUMENTS WITH THIS APPLICATION THREE CONTRACTOR AFFIDAVITS OF WORK EXPERIENCE.
CHECKLIST OF DOCUMENTS NEEDED DO NOT FAX, BRING ALL DOCUMENTS WITH THIS APPLICATION THREE CONTRACTOR AFFIDAVITS OF WORK EXPERIENCE. (NO LETTERS) CERTIFICATE OF LIABILITY INSURANCE FROM THE INSURANCE COMPANY
How To Design A Post Tensioned Deck For A Building
SAMUEL ÁVILA STRUCTURAL OPTION FACULTY CONSULTANT: THOMAS BOOTHBY UNIVERSITY OF CENTRAL FLORIDA S ACADEMIC VILLAGES ORLANDO, FL THESIS PROPOSAL EXECUTIVE SUMMARY DECEMBER 12, 2005 Introduction: The University
YOU VE BEEN HIRED AS A GENERAL CONTRACTOR
CONSTRUCTION LOAN PROCEDURES 1-800-589-8850 WWW.FIRSTFEDLORAIN.COM YOU VE BEEN HIRED AS A GENERAL CONTRACTOR FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LORAIN YOUR COMMUNITY BANK SINCE 1921 Toll Free
Fire Alarm And System Description. Automatic Sprinkler System Description. Fire Suppression Equipment. Fire and Evacuation Drills
Building Name: Maddox Hall Year Built: 1985 Occupancy: Residence Hall Capacity: 152 Construction Type: Reinforced concrete slab, CMU walls, flat roof concrete slab. Building Name: Wright Hall Year Built:
D Sample Notices to Property Owners, Sample Affidavits, and Other Material
D Sample Notices to Property Owners, Sample Affidavits, and Other Material These samples are offered to illustrate specific points in the Desk Reference. States and communities should examine them carefully
Condominium Insurance Changes for 2010 By David Thompson, CPCU
Condominium Insurance Changes for 2010 By David Thompson, CPCU It has been a wild and crazy few years for condominium insurance. In 2008, House Bill 601 was passed along with new requirements that were
Substantial Improvement/Damage (FEMA 50% Rule) Frequently Asked Questions and Information
SUBSTANTIAL IMPROVEMENT/DAMAGE WORKSHEET (FEMA 50% RULE) South County: Development Services North County: Development Services 4000 Tamiami Trail S. Room 122 1001 Sarasota Center Blvd Venice, Florida 34293-5076
MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION
MASSACHUSETTS PROPERTY INSURANCE UNDERWRITING ASSOCIATION Underwriting Division Two Center Plaza Boston, Massachusetts 02108-1904 (617) 723-3800, MA Only (800) 392-6108, FAX (617) 557-5678 October 31,
When The Wind Blows: Premium Discounts for Hurricane Loss Mitigation. Course Reading Assignment
1 Hour of Self Study CE This self study course is approved by the Florida Department of Financial Services for continuing education credit. Provider is the National Association of Insurance and Financial
The Florida State University Catastrophic Storm Risk Management Center. Hurricane Mitigation Inspection System Study (DFS CS RFP 09/10-10)
The Florida State University Catastrophic Storm Risk Management Center Hurricane Mitigation Inspection System Study (DFS CS RFP 09/10-10) FINAL REPORT Table of Contents Table of Contents... 1 Executive
Physical Address/Intersection: Name of Project: Within a NFIP 100/500yr Floodzone:
Choctaw Date Recorded: Permit # RESIDENTIAL - BUILDING Permit APPLICATION Physical Address/Intersection: Name of Project: Within a NFIP 100/500yr Floodzone: YES NO Sec., Township, Range/Subdivision: Acres/Block:
CODE IN EFFECT: 2010 FLORIDA BUILDING CODE PERMIT APPLICATIONS MUST BE FILLED OUT COMPLETELY
CITY OF KISSIMMEE BUILDING PERMIT MISCELLANEOUS/ACCESSORY PERMIT #: CODE IN EFFECT: 2010 FLORIDA BUILDING CODE PERMIT APPLICATIONS MUST BE FILLED OUT COMPLETELY 1. Construction Street Address: 2. Parcel
Richard N. Harb, PE Senior Structural Engineer
Richard N. Harb, PE Senior Structural Engineer 4620 North State Road 7, Suite 207, Ft. Lauderdale, FL 33319 800-776-0288 richard_harb@efiglobal.com Years Experience: 18 Professional Summary: Mr. Harb is
11/15/06 12:20pm PROPERTY & CASUALTY INSURANCE REFORM COMMITTEE FINAL RECOMMENDATIONS (11/15/06)
PROPERTY & CASUALTY INSURANCE REFORM COMMITTEE FINAL RECOMMENDATIONS (11/15/06) Residential Insurance Market/Consumer Issues 1. Transparency for consumers (residential and commercial). Require the premium
Status of Building Codes in New Jersey and New York: The Future of Resilience in a Post-Sandy Environment
Status of Building Codes in New Jersey and New York: The Future of Resilience in a Post-Sandy Environment Sandy devastated properties in several states, but primarily in New York and New Jersey. Now, as
Commercial Lines Program Summary: TOWER HILL PRIME
Commercial Lines Program Summary: TOWER HILL PRIME COMPANY BACKGROUND Founded in 1972, Tower Hill Insurance Group has become one of Florida's most trusted names in homeowners insurance and select commercial
CITY OF YORBA LINDA P.O. BOX 87014 CALIFORNIA 92885-8714
CITY OF YORBA LINDA P.O. BOX 87014 CALIFORNIA 92885-8714 BUILDING DIVISION (714) 961-7120 Single Family Residential New Construction, Additions & Alterations Submittal Requirements Required agency approvals
FARMERS MUTUAL INSURANCE COMPANY UNDERWRITING GUIDELINES HOMEOWNER PROGRAM
UNDERWRITING GUIDELINES HOMEOWNER PROGRAM The following guidelines should be considered when offering insurance for certain types of risks. When evaluating the acceptability of a risk, the company underwriter
providing documentation that validates the year of construction. Acceptable documents include
902. WINDSTM MITIGATION FEATURES A. For policies that cover the peril of Windstorm or Hail, a premium credit may be available if one or more of the following loss mitigation features or construction techniques
CITY OF AVENTURA PERMIT APPLICATION 19200 W Country Club Drive 4 th Floor Aventura, FL 33180 Tel (305) 466-8937 Fax (305) 466-8949
CITY OF AVENTURA PERMIT APPLICATION 19200 W Country Club Drive 4 th Floor Aventura, FL 33180 Tel (305) 466-8937 Fax (305) 466-8949 Permit #: Job Address: Unit #: Owner Information Address City State Zip
DIVISION V DWELLING PROGRAM. A. DWELLING ELIGIBILITY -- Risks eligible for the dwelling program are used solely for residential purposes.
DIVISION V DWELLING PROGRAM A. DWELLING ELIGIBILITY -- Risks eligible for the dwelling program are used solely for residential purposes. 1. The maximum coverage available for any one dwelling is $1,300,000.
PLAN SUBMITTAL INFORMATION
PLAN SUBMITTAL INFORMATION APPLICATION FOR A BUILDING PERMIT Prior to drafting construction drawings, please check with the North Miami Beach Community Development Department concerning the following:
LICENSE APPLICATION FOR CONSTRUCTION TRADES (INSTRUCTIONS)
LICENSE APPLICATION FOR CONSTRUCTION TRADES (INSTRUCTIONS) 1. WHO MUST FILE FOR EXAMINATION: Any resident or non-resident of Hillsborough County who intends to operate a business or qualify a partnership,
Elevating Your House. Introduction CHAPTER 5
CHAPTER 5 Elevating Your House Introduction One of the most common retrofitting methods is elevating a house to a required or desired Flood Protection Elevation (FPE). When a house is properly elevated,
FROM JANUARY 21, 2007
FROM JANUARY 21, 2007 Negotiations between the Senate and House on the issue of property insurance reform began on Friday, January 19th and continued throughout the weekend. All of the almost 87 provisions
ENGINEERING SERVICES FOR CONTRACTORS
ENGINEERING SERVICES FOR CONTRACTORS COMPANY PROFILE Joseph W. Belt, P.E. in 1989 began an engineering division within Belt Construction Corp of Tampa. After years of growth and success, the engineering
Condo Insurance Changes in the new Law
Condo Insurance Changes in the new Law The 2008 legislative session House Bill 601 was passed. This bill makes changes to parts of Chapter 718 of Florida Statutes dealing with condominium insurance. A
Who Can Apply (A or B)
2200 Civic Center Place Miramar, Florida 3302 Tel: (954) 602-3200 Fax: (954) 602-3635 WINDOWS & DOORS APPLICATION PACKAGE Who Can Apply (A or B) A. Licensed Contractors for Residential Permit can be issued
TOWNSEND APPRAISALS, INC. 1020 8TH AVENUE SOUTH, SUITE #11 NAPLES, FLORIDA 34102 TEL: (239) 435-1008 FAX: (239) 435-1790
TOWNSEND APPRAISALS, INC. 1020 8TH AVENUE SOUTH, SUITE #11 NAPLES, FLORIDA 34102 TEL: (239) 435-1008 FAX: (239) 435-1790 SUMMARY APPRAISAL REPORT FOR INSURANCE PURPOSES SPANISH PINES NAPLES, FLORIDA AS
Estimated Cost of Repair
1 Applicant: Property: Home: Business: Assessor: Applicant Number: Type of Loss: Hurricane Date Contacted: 1/18/2014 Date of Loss: 10/29/2012 Date Received: 1/14/2014 Date Inspected: 2/4/2014 Date Entered:
SMART WATTS HOME ENERGY RETROFIT LOAN PROGRAM APPLICATION AND INSTRUCTION BOOKLET
SMART WATTS HOME ENERGY RETROFIT LOAN PROGRAM APPLICATION AND INSTRUCTION BOOKLET The City of Fort Lauderdale Smart Watts Home Energy Retrofit Loan Program is administered through the 3440 Hollywood Boulevard,
Building Code of New York State
Welcome Christopher R. Paolini, P.E., Sr. Vice President CME Associates, Inc. 6035 Corporate Drive East Syracuse, New York 13057 (315) 701-0522 (315) 701-0526 (Fax) cpaolini@cmeassociates.com 1 Building
Michael H. Biller, PE, RRC PRESIDENT, PRINCIPAL STRUCTURAL ENGINEER
Michael H. Biller, PE, RRC PRESIDENT, PRINCIPAL STRUCTURAL ENGINEER Michael Biller has extensive experience in the fields of structural engineering and building envelope consulting. His expertise includes
déjà vu: Revisiting the Collins Report Nearly 20 Years Later
déjà vu: Revisiting the Collins Report Nearly 20 Years Later Lorilee Medders, PhD Associate Director Florida Catastrophic Storm Risk Management Center Florida Catastrophic Storm Risk Management Center
A TO Z HOME INSPECTIONS PROFESSIONAL HOME INSPECTION SERVICES FOR HOME BUYERS AND SELLERS
A TO Z HOME INSPECTIONS PROFESSIONAL HOME INSPECTION SERVICES FOR HOME BUYERS AND SELLERS Insurance Inspection Report 1234 Main Street Tallahassee, Florida Report Prepared For: Charles Smith Report Prepared
SPECIFIC RATING GUIDELINES
NATIONAL FLOOD INSURANCE PROGRAM SPECIFIC RATING GUIDELINES April 2015 FEDERAL EMERGENCY MANAGEMENT AGENCY FEDERAL INSURANCE AND MITIGATION ADMINISTRATION RISK INSURANCE DIVISION UNDERWRITING BRANCH This
Home Buyers Insurance Checklist
Home Buyers Insurance Checklist Shopping for your dream house? There are many considerations when looking at real estate, such as property taxes, school district, available recreational opportunities in
Status of Building Codes in New Jersey and New York: The Future of Resilience in a Post-Sandy Environment
Status of Building Codes in New Jersey and New York: The Future of Resilience in a Post-Sandy Environment Sandy devastated properties in several states, but primarily in New York and New Jersey. Now, as
INSTRUCTIONS FOR COMPLETING APPLICATION FOR DWELLING WIND HAIL INSURANCE
INSTRUCTIONS FOR COMPLETING APPLICATION FOR DWELLING WIND HAIL INSURANCE Agent name, license number and signature are required. Insured signature is required (see page 4). Coverage should be placed in
Zoning Department DECK PERMITS. Checklist
MANOR BOROUGH Zoning Department DECK PERMITS Checklist Complete Building and Electrical Permit Form. Complete Zoning Permit Form. Obtain a Plot Plan/Survey showing locaion of ALL streets, alleys, property
SECTION 4 REHABILITATION MORTGAGES 203(k) Standard & 203(k) Limited
SECTION 4 REHABILITATION MORTGAGES 203(k) Standard & 203(k) Limited 4.1 Program Descriptions 4.2 Borrower Eligibility 4.3 Property Eligibility 4.4 Principal Residence Requirement 4.5 Rehabilitation Loan
REQUIREMENTS FOR SUBMITTING PLANS FOR NEW CONSTRUCTION
RESIDENTIAL: REQUIREMENTS FOR SUBMITTING PLANS FOR NEW CONSTRUCTION 2 COMPLETE SETS OF PRINTS WITH ENGINEERS STAMP ON FOUNDATION PLAN INCLUDING ELECTRICAL, PLUMBING, ETC. SITE PLAN SHOWING HOUSE LOCATION
Replacement Cost Breakdown Analysis. PREPARED FOR Ashley Condo HOA. 3757 S Atlantic Ave Daytona Beach Shores, FL 32118
1 Replacement Cost Breakdown Analysis One 20 Story, 130 Unit Condominium Building Located At: 3757 S Atlantic Ave Daytona Beach Shores, Volusia County, Florida 32118 PREPARED FOR Ashley Condo HOA. 3757
Four Point Insurance Inspections *A Home Inspection is NOT a 4 Point Inspection
Four Point Insurance Inspections *A Home Inspection is NOT a 4 Point Inspection Update from Citizens Insurance Effective 9/1/2012: As the leader of the Home Inspection Industry in Florida, HomeTeam Inspection
Contractor s Statement of Responsibility for Seismic-Force-Resisting Systems This form is to be filled out by the contractor.
SPECIAL INSPECTION PROCEDURE IBC CHAPTER 17 2012 EDITION When Required All projects that require a SC licensed Architect or Engineer per SC Architectural and Engineering registration law. Overview The
Repairs, Remodeling, Additions, and Retrofitting
Repairs, Remodeling, Additions, and Retrofitting HOME BUILDER S GUIDE TO COASTAL CONSTRUCTION FEMA 499/August 2005 Technical Fact Sheet No. 30 Purpose: To outline National Flood Insurance Program (NFIP)
SINGLE FAMILY RESIDENCE HURRICANE MITIGATION APPLICATION
SINGLE FAMILY RESIDENCE HURRICANE MITIGATION APPLICATION As of October 1, 2007, this mitigation form must be submitted as part of the roofing permit application package. Secondary water barrier (if applicable)
KISTLER AGENCY, LLC. Lenders Reference Guide Summary of Programs for Your Institution
KISTLER AGENCY, LLC Lenders Reference Guide Summary of Programs for Your Institution 3400 Peachtree Road, Suite 1720, Atlanta, GA 30326 (P) 404.239.7022 (F) 404.239.7029 Email: tkistler@kistleragency.com
How To Get A Home Insurance Policy On The Gulf Coast
INSURANCE IN MISSISSIPPI 10 YEARS AFTER KATRINA Mike Chaney, Commissioner A publication of the Mississippi Insurance Department August 2015 Message from Commissioner of Insurance Mike Chaney One of the
Protecting Your Home From Hurricane Wind Damage
T H E W I N D Protecting Your Home From Hurricane Wind Damage During a hurricane, homes may be damaged or destroyed by high winds and high waves. Debris can break windows and doors, allowing high winds
Think Of Us First! When It s Time to Distribute Your Plans
Think Of Us First! When It s Time to Distribute Your Plans CONSTRUCTION NOTEBOOK WILL LIST YOUR PLANS AND SPECS FREE CALL TODAY FOR DETAILS 702-876-8660 Why use Experience We have over 60 years of experience
Shingles and Other Roofing Products
FLASH Focus On: Shingles and Other Roofing Products Asphalt Shingles possess an overwhelming share of the U.S. steep-slope roofing market and can be reinforced with organic or fiberglass materials. Some
Home Building Basics
Home Building Basics Key points to consider before building your new home. Standard Requirements for Consumer Interim Construction Loans No Work Affidavit Performed by Surveyor and Recorded with Mortgage
Texas Fair Plan Association
Texas Fair Plan Association FREQUENTLY ASKED QUESTIONS What is the Texas FAIR Plan Association and its purpose? The Texas FAIR Plan Association is an entity established by Texas Insurance Code Article
Protecting Your Home from Wind Damage
Protecting Your Home from Wind Damage During severe thunderstorms or hurricanes, homes may be damaged or destroyed by high winds. Debris flying through the air can break windows and doors, allowing high
Commercial and Residential Code Compliance Study in Florida
Where Should We Focus Efforts to Improve Building Energy Code Enforcement Rates? Results From A Research Study in Florida Charles Withers, Jr. and Robin Vieira, Florida Solar Energy Center ABSTRACT Most
SECTION 3 ONM & J STRUCTURAL ANALYSIS
Historic Boynton Beach High School Existing Building Assessment City of Boynton Beach February 10, 2011 SECTION 3 ONM & J STRUCTURAL ANALYSIS STRUCTURAL ENGINEERS SPECIAL INSPECTORS STRUCTURAL CONDITION
CONSTRUCTION LAW. Mechanical Roofing Contractor. Electrical Class A Air Conditioning. Contractor Class B Air Conditioning
CONSTRUCTION LAW I. Contractor Licensing 1. The Basic Rule: No person who is not certified or registered shall engage in the business of contracting in this state. FS 489.113. Pinellas County Code 22-14
7429 Rose Lane Circle
7429 Rose Lane Circle BUILDING AND STANDARDS BOARD AGENDA ITEM #7 FOR WEDNESDAY, MAY 28, 2008 DEVELOPMENT SERVICES BUILDING PERMITS AND INSPECTIONS MEMORANDUM May 21, 2008 TO: THROUGH: FROM: SUBJECT: The
This course is intended to provide 4 hours in the prescribed area of operation of the community association s physical property relating to community
This course is intended to provide 4 hours in the prescribed area of operation of the community association s physical property relating to community association management. 1 TABLE OF CO TE TS LEARNING
Omnibus Coastal Property Insurance Reform Act of 2007 2007 S.C. Act No. 78
Omnibus Coastal Property Insurance Reform Act of 2007 2007 S.C. Act No. 78 A comprehensive, market-based approach to address the availability and affordability of coastal property insurance. Result of
Roofing Replacement Guide
Roofing Replacement Guide Prepared by Kearns Brothers Incorporated 2008, Kearns Brothers Incorporated, Dearborn, MI Roofing Replacement Guide 1- Finding a Roofing Contractor 2- The Interview 3- Roofing
Real Estate Property Insurance in Florida - An Improving Market
1 4775 E. Fowler Avenue, Tampa, FL 33617 813.480.6446 www.insuringflorida.org Florida s Insurance Markets: An Overview Background Florida has America s biggest natural catastrophe problem. It has more
TAX APPRAISAL DISTRICT OF BELL COUNTY STORES & COMMERCIAL IMPROVEMENT CLASSIFICATION GUIDE
TAX APPRAISAL DISTRICT OF BELL COUNTY STORES & COMMERCIAL IMPROVEMENT CLASSIFICATION GUIDE 1/22/2008 1 STORES & COMMERCIAL BUILDINGS 1. General Construction Class Descriptions 2. Types a. Class A - Fireproofed
2009 IECC Update. Scope. Content. International Energy Conservation Code
2009 IECC Update International Energy Conservation Code Scope The code applies to both residential and commercial buildings. In the code, the United States is divided into eight climate zones which are
AIR CONDITIONING (Class A and Class B)
PUTNAM COUNTY PLANNING & DEVELOPMENT SERVICES P.O. BOX 1486 Planning : (386) 329-0491 Palatka, FL 32178-1486 Zoning: (386) 329-0316 FAX (386) 329-1213 Building: (386) 329-0307 Email: pzb@putnam-fl.com
1988 B.S.E. (Civil) University of Alabama at Birmingham, Birmingham, Alabama
ENGINEER: STRUCTURAL, CIVIL CHARLES E. WHITLEY, P.E. Engineering Design & Testing Corp. Post Office Box 100758 Birmingham, Alabama 35210 Telephone: (205) 838-1040 cwhitley@edtengineers.com EDUCATION: 1988
PERMIT APPLICATION. PLEASE PRINT LEGIBLY INCLUDE STREET NUMBER/NAME, CITY & STATE 1 Job Name:
PERMIT APPLICATION Town of Indialantic 216 Fifth Avenue Permit # Indialantic, Florida 32903 (321) 727-3377 - Office (321) 984-3867 - Fax Application Date: PLEASE PRINT LEGIBLY INCLUDE STREET NUMBER/NAME,
PART 4: INSURANCE IMPLICATIONS
PART 4: INSURANCE IMPLICATIONS Code enforcement can have a major influence on the economic well-being of a municipality and the safety of its citizens. Municipalities that adopt up-to-date, unamended codes
HOMEOWNERS UNDERWRITING GUIDE
Federated National Insurance C O M P A N Y HOMEOWNERS UNDERWRITING GUIDE Federated National Insurance Homeowners Department PO Box 407193 Ft Lauderdale, FL 33340 (888) 440-6876 (954) 308-1414 (954) 733-7071
CITY OF FORT LAUDERDALE Page 1 AGENDA UNSAFE STRUCTURES BOARD CITY COMMISSION MEETING ROOM - CITY HALL APRIL 20, 2006 3:00 PM
CITY OF FORT LAUDERDALE Page 1 CITY COMMISSION MEETING ROOM - CITY HALL RETURN HEARING (OLD BUSINESS) CASE NO: CE05010324 CASE ADDR: OWNER: 809 NW 15 AV MYERS, HERBERT & MYERS, ALBERT, FERNANDEZ, JOYCE
HOME REPAIR AND REMODELING UNDER NORMAL CIRCUMSTANCES AND/OR IN THE EVENT OF CASUALTY LOSSES
HOME REPAIR AND REMODELING UNDER NORMAL CIRCUMSTANCES AND/OR IN THE EVENT OF CASUALTY LOSSES By: This Article addresses some key points essential to home remodeling and construction under normal circumstances
Bay County Builders Services Main Office FAX: (850) 248-8384 PHONE: (850) 248-8350
Bay County Builders Services Main Office FAX: (850) 248-8384 PHONE: (850) 248-8350 FORM B20 ROOFING PERMIT APPLICATION Please fill in all information requested Building Permits must have been issued before
PROPERTY INSPECTION OR ASSESSMENT OF DAMAGES
PROPERTY INSPECTION OR ASSESSMENT OF DAMAGES ADDRESS: Somewhere, FL CLIENT: GAIA GC ID No: 2015000 DATE: 12/31/2015 INSPECTION OR ASSESSMENT BY: GAIA CONSTRUCTION INC. CGC 1516136 FLORIDA HI-2792 FLORIDA
Basic Requirements for Residential Plan Review _
Basic Requirements for Residential Plan Review _ Below you will find the basic requirements for your plan submittal. General: Drawn to scale Plan Size minimum: 9 x 12 Designer, Engineer, or Architect name,