New Building Science Technology Affecting the Insurance Industry
|
|
|
- Cassandra Webster
- 8 years ago
- Views:
Transcription
1 New Building Science Technology Affecting the Insurance Industry ISU CPCU Symposium April 16, 2015 Julie Rochman, IBHS President & CEO
2
3 IBHS Priorities are Insurers Priorities Lowering the loss exceedance curve Better understanding vulnerabilities and how to reduce them More accurately assessing the interaction between weather and the built environment Improving catastrophe models Providing new claims-related tools Reducing contractor fraud
4 Mitigation Challenges Include Purchase/Repair/Retrofit decisions made with incomplete or bad information. People value what they can see/show. Objective ways to compare alternatives are needed. Non-insurance incentives are needed. Storm-chasing contractors and other bad actors.
5 Non-Partisan Public Policy Hooks Resilience / Adaptation / Sustainability / Mitigation Economic growth / continuity Smarter pre- and post-disaster $$$ Build forward Personal responsibility
6 The IBHS Research Center: A Unique, Multi-Hazard Facility
7 WIND WILDFIRE HAIL RAIN
8 Protection from the Top: Focus on the Roof
9 Re-Roofing = Opportunity for Improvement Roof cover = 1 st line of defense vs. many natural hazards Roof cover = most frequently repaired / replaced part of building When roof cover is replaced, simple but significant, low-cost improvement = possible
10 IBHS and the Roofing Industry Working to get product performance and installation right!
11 IBHS Roof Aging Farm
12 IBHS Asphalt Shingle Wind Research Post-event assessments Component Tests In situ / Aging Farm Whole Roof Tests Product Performance Installation/Maintenance Repair/Replace
13 Sealing Shingles: Observations & Takeaways Effects of handling and storage detrimental to sealant Difficult to achieve robust seal at 135 F F Even at 155 F F, = physical obstacles to sealing Indication that waiting a week or more to test after high temperature exposure improves seal capacity Polymer modified shingles perform well
14 Possible Real World Solutions Option 1: validation of seal Option 2: treat roof as a system (resilient shingles + sealed roof deck)
15 Wind-Driven Rain
16 The Difference $500 Can Make Insurance Institute for Business & Home Safety
17 Codes are Minimum Standards Building code = The minimum acceptable standard used to regulate design, construction, and maintenance of buildings for the purpose of protecting the health, safety and general welfare of the building s users.
18 How Are Structures Designed? Along the Gulf and Atlantic Coasts, hurricane winds govern design standards. Thunderstorm winds control climate & design standards across the rest of the country. We don t account for hail or tornadoes in non-engineered structures (e.g. residential, low-rise commercial, etc.).
19 What is FORTIFIED? FORTIFIED is a suite of systematic, inspection-based, resilience programs developed by IBHS
20
21 Severe Storm Protection Systems FORTIFIED Home - Hurricane Roof and attic ventilation system Openings, gables and porches Structure (CLP) and chimney
22 FORTIFIED Critical Elements Documentation Involvement of licensed (design, construction, inspection) professionals
23 Putting FORTIFIED to the Test FORTIFIED house in Bloomington, IL Copies being built at IBHS Research Center
24 FORTIFIED vs. Conventional Construction Test Demonstration
25 Little Things Make a Big Difference Cost for the average roof (2,000 sq. ft.): Ring shank nails = $100 (doubles the strength) Sealing roof deck with tape = $500 Strapping roof to top of walls = $400 to $600 (doubles the strength)
26 Who is using FORTIFIED?
27
28
29 Hail Prone Counties (Inland)
30 Severe Storm Protection Systems Hurricane High Wind and Hail FORTIFY Roof and Attic Ventilation System FORTIFY openings, gables and porches FORTIFY Roof FORTIFY Gables, Porches, Carports and Chimneys FORTIFY structure (CLP) and chimney FORTIFY Garage Doors and Structure (CLP)
31 IBHS Hail Research: Pushing the Boundaries of Building Science Small roof / panel impact testing Field work to validate lab findings & improve forecasting / radar hail detection Full-scale hailstorm simulations
32 Observed Hail Shapes different parent thunderstorms Insurance Institute for Business & Home Safety Insurance Institute for Business & Home Safety 63% 26% 5% 6% Conical Sphere Disk Other Insurance Institute for Business & Home Safety Insurance Institute for Business & Home Safety
33 Hailstone Characteristics Field Project Loss Reduction: Accurately delineate hail swath using improved radar data Predict which hailstorms = damaging Reduce neighboritis and claims at fringe of swath
34 The First-Ever Indoor Hailstorm Hail demo highlights
35 IBHS Allies
36
Developing, Validating and Demonstrating Ways to Reduce Property Damage from Natural Hazards
Developing, Validating and Demonstrating Ways to Reduce Property Damage from Natural Hazards Tim Reinhold, Ph.D., P.E., Sr. VP for Research PAMIC Claims Summit Gettysburg, Pennsylvania, April 7, 2015 What
9/9/2013. Structures: What do we design for? THE PROBLEM. In Focus: Tornado/Hail Emerging Elephants Reducing impacts to life and property
In Focus: Tornado/Hail Emerging Elephants Reducing impacts to life and property Ian Giammanco, PhD Casualty Actuarial Society October 1, 2013 Chicago, IL Structures: What do we design for? Codes are MINIMUM
KATRINA: 10 YEARS LATER
IMPROVING THE RESILIENCE OF ROOFING IN THE GULF STATES AUGUST 2015 2005 was the most active hurricane season in recorded history. Four major hurricanes 1 made landfall that year in the U.S. Dennis, Rita
Building stronger buildings
Photos courtesy of the Insurance Institute for Business & Home Safety. Building stronger buildings The insurance industry gives homeowners and building owners incentives to fortify their structures by
IBHS Roofing Research
IBHS Roofing Research ARMA Steep Slope Committee Meeting August 14, 2013 Tanya M. Brown, PhD South Carolina Wind and Hail Underwriting Association Research Engineer IBHS Research Center Specimen Construction
FORTIFIED Home. The key to resilient communities
FORTIFIED Home TM The key to resilient communities BRONZE SILVER GOLD NW Florida: (850) 542-3081 Alabama: (251) 206-5625 Mississippi: (228) 265-9499 Toll Free: 888 WMIT PRO (964-8776) www.disaster-smart.com
The Future of Property Insurance Risk: An IBHS Perspective. November 2015
The Future of Property Insurance Risk: An IBHS Perspective November 2015 IBHS Mission: To conduct objective, scientific research to identify and promote effective actions that strengthen homes, businesses,
REPLACE YOUR ROOF TO VISUALLY INSPECT YOUR ROOF REGULARLY SO YOU CAN DISCOVER PROBLEMS WHILE THEY ARE STILL MINOR AND CAN BE REPAIRED.
???????????????????? REPLACE YOUR ROOF ???????????????????? REPLACE YOUR ROOF YOUR ROOF PROTECTS YOUR HOME FROM THE SUN, WIND AND RAIN. AGE, WEATHER AND THE SUBTROPICAL FLORIDA CLIMATE CAN TAKE THEIR TOLL
OII s Insurance Education Day
OII s Insurance Education Day April 10, 2013 Candace Iskowitz, IBHS Director of Public Affairs IBHS Where building safety research creates safer, stronger communities Annual Insured Hail Losses = $1.6
Evaluating Composition Shingles
Evaluating Composition Shingles Is my roof damaged by hail? The information in this brochure covers some of the more common types of damage to composition roofs. It shows what hail damage typically looks
Protecting YOUR NEW HOME FROM Wind Damage
Protecting YOUR NEW HOME FROM Wind Damage Blueprint for Safety... A Blueprint for Life When severe weather threatens, protecting life and property automatically becomes top priority for millions of Florida
High Wind & Hail Standards
2012 Edition High Wind & Hail Standards FORTIFIED is a program of the Insurance Institute for Business & Home Safety Table of Contents Program Overview and Definitions 5 Goals 5 Objectives 6 Designation
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
McCullen Management Consultants MMCLLC
McCullen Management Consultants SIPA Conference April 30 th 2014 Why are we talking about Resilience? 2 We have all seen the results Natural disasters are not going away 2012 saw 11 weather and climate
Water Entry through Roof Sheathing Joints and Attic Vents: A Preliminary Study Sealed Roof Deck Tests
Water Entry through Roof Sheathing Joints and Attic Vents: A Preliminary Study Sealed Roof Deck Tests Demonstrating the value of sealing the roof deck and providing information on the relative importance
HURRICANE DEDUCTIBLE
HURRICANE DEDUCTIBLE What You Need to Know NJM Insurance Group SAVE THIS BOOKLET This booklet contains only general information and is not a legal document. TABLE OF CONTENTS About Hurricane Deductibles...
ROOF-GUARD 101. Affordable Roof Protection For Asphalt Shingles. Manufactured By
ROOF-GUARD 101 Affordable Roof Protection For Asphalt Shingles Manufactured By 1019 SE Holbrook Ct. Port St. Lucie, FL, 34952 Phone: 772-335-8225 sales@enviroseal.com Enviroseal has been instrumental in
(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
An incremental, holistic approach to reducing residential property losses in hurricane-prone areas
IBHS FORTIFIED Home TM Hurricane; Bronze, Insurance Institute Silver for Business and & Home Safety Gold: An incremental, holistic approach to reducing residential property losses in hurricane-prone areas
Final inspections are completed by site visit only. Access to fenced yards shall be planned.
ROOFING RESIDENTIAL BUILDING INSPECTIONS DEPARTMENT www.ci.blaine.mn.us This handout is intended only as a guide and is based in part on the 2015 Minnesota State Building Code, Blaine City ordinances,
The Florida Building Code
The Florida Building Code Florida s Response to Hurricane Risk Rick Dixon Florida Building Commission Florida Building Commission Architect Structural Engineer Mechanical Engineer Fire Protection Engineer
Detached accessory structures that contain no conditioned floor area are exempt.
RESIDENTIAL ROOFING PERMITS: A roofing permit is required for roofing of residential dwellings and garages in accordance with Section R105 of the International Residential Code. Updated 11/2013 City of
Using Insurance Catastrophe Models to Investigate the Economics of Climate Change Impacts and Adaptation
Using Insurance Catastrophe Models to Investigate the Economics of Climate Change Impacts and Adaptation Dr Nicola Patmore Senior Research Analyst Risk Management Solutions (RMS) Bringing Science to the
RESIDENTIAL ROOFING & RE-ROOFING, ROOF VENTILATION AND ROOF SHEATHING REQUIREMENTS MICHIGAN RESIDENTIAL CODE 2000
RESIDENTIAL ROOFING & RE-ROOFING, ROOF VENTILATION AND ROOF SHEATHING REQUIREMENTS MICHIGAN RESIDENTIAL CODE 2000 SECTION R905 REQUIREMENTS FOR ROOF COVERINGS R905.1 Roof covering application. Roof coverings
The EVOLUTION. of the ROOF RISK. A white paper from BuildFax by. HOLLY TACHOVSKY, CEO and JOSEPH MASTERS EMISON, CTO
A white paper from BuildFax by HOLLY TACHOVSKY, CEO and JOSEPH MASTERS EMISON, CTO The roof! The roof! The roof is on fire! -Rick Master Scott & the Dynamic Three Insured thunderstorm losses are much higher
An Update on the Work of the Florida Catastrophic Storm Risk Management Center. Lorilee A. Medders, Ph.D. Director
An Update on the Work of the Florida Catastrophic Storm Risk Management Center Lorilee A. Medders, Ph.D. Director Florida Hurricane Catastrophe Fund Workshop June 11, 2015 Buena Vista, Florida Section
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:
Asphalt Shingle Application Requirements
Alberta Allied Roofing Association Asphalt Shingle Application Requirements Section 1 Roof Decks 1.1 General Asphalt Shingles are not permitted to be installed directly over rigid insulation. When Asphalt
CITY OF WHITE BEAR LAKE BUILDING INSPECTION DEPARTMENT 4701 Highway 61 White Bear Lake, MN 55110 Fax: 651-429-8503. Re-Roofing: Asphalt Shingles
CITY OF WHITE BEAR LAKE BUILDING INSPECTION DEPARTMENT 4701 Highway 61 White Bear Lake, MN 55110 Fax: 651-429-8503 Re-Roofing: Asphalt Shingles This is a summary of the standard requirements based on the
A study of hurricane mitigation cost effectiveness in Florida
Risk, Reliability and Societal Safety Aven & Vinnem (eds) 2007 Taylor & Francis Group, London, ISBN 978-0-415-44786-7 A study of hurricane mitigation cost effectiveness in Florida J.-P. Pinelli, C.S. Subramanian
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,
Mobile Homes Frame Homes Apartments, Shopping Centers, and Industrial Buildings
1 74-95 mph 64-82 kt 119-153 km/h Very dangerous winds will produce some damage livestock, and pets struck by flying or falling debris could be injured or killed. Older (mainly pre-1994 construction) mobile
Wind Mitigation Discount Plan
Wind Mitigation Discount Plan Louisiana Hurricane Loss Mitigation Survey Form Inspector Instructions The purpose of these instructions is to provide guidance to certified inspectors on how to properly
The Florida Building Code
Setting New Standards for Safety The Florida Building Code Florida Building Commission Florida Department of Community Affairs The Florida Building Code System The Florida Building Commission Florida Building
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
DURATION STORM. TruDefinition. TruDefinition Duration STORM Shingles are a component of the Owens Corning Total Protection Roofing System.
TruDefinition DURATION STORM Impact-Resistant Shingles with WeatherGuard and SureNail Technologies Onyx Black TruDefinition Duration STORM Shingles are a component of the Owens Corning Total Protection
Make Mitigation Happen
Make Mitigation Happen Mitigating your home could translate to savings and peace of mind. What What is wind mitigation? Wind mitigation includes specific activities to strengthen your home. This booklet
If disaster strikes. will you be covered? A homeowner s insurance guide to natural disasters
If disaster strikes will you be covered? A homeowner s insurance guide to natural disasters Dear Homeowner: As you know, a home is more than just a major financial investment. Your home provides you and
TruDefinition. Duration Storm. Impact-Resistant Shingles with WeatherGuard Technology. Onyx Black
TruDefinition Duration Storm Impact-Resistant Shingles with WeatherGuard Technology Onyx Black Teak Beauty that s designed to weather the storm. TruDefinition Duration STORM Impact- Resistant Shingles
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)
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
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
Hazard Description... 1 Location... 1 Extent... 1 Historical Occurrences... 3 Probability of Future Events... 13 Impact and Vulnerability...
HAIL Hazard Description... 1 Location... 1 Extent... 1 Historical Occurrences... 3 Probability of Future Events... 13 Impact and Vulnerability... 13 Hazard Description Hailstorms are a potentially damaging
2008 Florida Residential Wind Loss Mitigation Study
Florida Office of Insurance Regulation Contract Number IR18 October 28 28 Florida Residential Wind Loss Mitigation Study Prepared for: Florida Office of Insurance Regulation 2 E. Gaines Street, Larson
Simplify. Homeownership
Simplify Homeownership Home Pulse An Innovative Program To Maintain Your Home. The Home Pulse Preventive Maintenance Plan will keep your home looking great, dramatically slow the deterioration process
Protecting Your Home From Disasters
Protecting Your Home From Disasters Insurance coverage can be limited and homeowners often bear more of the costs. The Wall Street Journal By AnnaMaria Andriotis And Leslie Scism Updated May 30, 2014 7:25
J. Historic Buildings Pre- and Post-Disaster Mitigation
J. Historic Buildings Pre- and Post-Disaster Mitigation J.1 Pre-Event Mitigation Throughout the region, old buildings can be further weakened from storms, which can have a long-term toll beyond the immediate
Residential Roofing Guide
Residential Roofing Guide TABLE OF CONTENTS Building Detail and Accessories...... 1 Panel Introduction and Handling...... 2 Cutting and Trimming.... 3 Roof Preparation..... 3 Roof Slope..... 3 Re-roofing...
Town of Ocean City, Maryland
Town of Ocean City, Maryland Community Hurricane Preparedness May 13, 2009 Websites http://www.fema.gov/hazard/hurricane/index.shtm hurricanes http://www.fema.gov/plan/prevent/floodins/infocon.shtm National
Wind vs. Water and Unique Monroe County Mitigating Factors for Wind Damage
Wind vs. Water and Unique Monroe County Mitigating Factors for Wind Damage A Presentation to the Florida Commission on Hurricane Loss Projection Methodologies Prepared by the Grassroots Organization FIRM
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
PUASES013A Undertake storm and water damage operations performed at heights
PUASES013A Undertake storm and water damage operations performed at heights Revision Number: 2 PUASES013A Undertake storm and water damage operations performed at heights Modification History Release TP
Report of Regulatory Subcommittee. Affordable Homeowners Insurance Commission. Governor Robert Bentley
Report of Regulatory Subcommittee Affordable Homeowners Insurance Commission Governor Robert Bentley Summary: The Regulatory Subcommittee met on two occasions by telephone (May 18 th and May 31 st ) to
BUILDING DEPARTMENT 8748 W. 82 nd Place - Justice, IL 60458 Phone: (708) 458-2130 Fax: (708) 458-3207
BUILDING DEPARTMENT 8748 W. 82 nd Place - Justice, IL 60458 Phone: (708) 458-2130 Fax: (708) 458-3207 SELF EVALUATION CHECKLIST FOR RESIDENTIAL AND MULTI-FAMILY DWELLING INSPECTIONS The attached checklist
HURRICANE LOSS MITIGATION PROGRAM REVIEW THE FLORIDA DIVISION OF EMERGENCY MANAGEMENT
HURRICANE LOSS MITIGATION PROGRAM REVIEW AGENDA Program Overview TCC Mobile Home Tie-Downs Shelter Retrofits Mitigation Research and Studies Wind Mitigation Retrofit Program Building Code Training Education
RATING THE STATES: 2015
RATING THE STATES: 2015 An Assessment of Residential Building Code and Enforcement Systems for Life Safety and Property Protection in Hurricane-Prone Regions ATLANTIC AND GULF COAST STATES MARCH 2015 INSURANCE
Maintenance Matters. Window and Door Replacement
Number 13 Maintenance Matters building maintenance bulletin Window and Door Replacement As part of the ongoing maintenance of your home or multi-unit residential building, windows and doors will eventually
Protecting Roofing Systems Against Windstorm Damage
Protecting Roofing Systems Against Windstorm Damage This brochure is made available for informational purposes only in support of the insurance relationship between FM Global and its clients. This information
Does the company have a climate change policy with respect to risk management and investment management?
Survey details NAIC Number: 19046 Company Travelers Casualty Insurance Company of America Name: Group Name: The Travelers Companies, Inc. Group Number: 3548 State of Connecticut - CT Domicile: Line Of
Home Inspection Report
4949 Brownsboro Rd Suite 293 Louisville, KY 40223 (502) 414-1440 tripleainspections@gmail.com Inspected By: William Carter, HI-1956 Home Inspection Report Prepared For: Edward Cullen Property Address:
How To Replace A Roofing System In Florida
Florida Consumer Considerations in Replacing their Roofing System The Florida Roofing, Sheet Metal and Air Conditioning Contractors Association provides the following general information to help Florida
Rating the States. Atlantic and Gulf Coast States
Rating the States An Assessment of Residential Building Code and Enforcement Systems for Life Safety and Property Protection in Hurricane-Prone Regions The Insurance Institute for Business & Home Safety
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
IGNITION-RESISTANT CONSTRUCTION: THE WHY BEHIND THE WHAT
IGNITION-RESISTANT CONSTRUCTION: THE WHY BEHIND THE WHAT WHAT IS THE RATIONALE BEHIND THE REQUIREMENTS FOR IGNITION RESISTANT CONSTRUCTION? The wildfires of 2003 and 2007 were the largest in California
Report to the Senate Business and Commerce Committee
2012 Report to the Senate Business and Commerce Committee Homeowners Premiums and Rates in Texas A comparison of Texas homeowners insurance premiums with those of other states to identify the factors underlying
Travelers Coastal Wind Zone Plan THE TRAVELERS INSTITUTE
THE TRAVELERS INSTITUTE Travelers Coastal Wind Zone Plan A Comprehensive Plan to Improve Availability and Affordability of Named Storm Wind Insurance for Coastal Homeowners Number of Hurricanes per Year,
Larry Haight's Residential Roofing Co, Inc 15203 NE 95th Street Redmond, Washington Phone: (425) 881-9771 Fax: (425) 869-1010
Larry Haight's Residential Roofing Co, Inc 15203 NE 95th Street Redmond, Washington Phone: (425) 881-9771 Fax: (425) 869-1010 Custom bid generated for: Job site address: Lake Villas Condominium Attention:
Vision Home Inspection
Vision Home Inspection 324 Rams Run Shepherdsville KY 40165-7877 Inspector: James McFadden Property Inspection Report Client(s): Property address: Inspection date: View report summary This report is the
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
TruDefinition DURATION STORM. Impact-Resistant Shingles with WeatherGuard Technology. Onyx Black
TruDefinition DURATION STORM Impact-Resistant Shingles with WeatherGuard Technology Onyx Black TWO TECHNOLOGICAL BREAKTHROUGHS IN ONE HIGH-PERFORMANCE SHINGLE. The innovative features of TruDefinition
South Carolina Department of Insurance
South Carolina Department of Insurance Historically South Carolina has experienced destructive hurricanes to include the Sea Island Hurricane of 1893, Hurricane Hazel in 1954 and more recently, Hurricane
Pre-Drywall Inspection Report
SM MEDALLION INSPECTIONS helping people make informed decisions Pre-Drywall Inspection Report 5657 Garden Valley Place Milton, Georgia 30024 Prepared for Betsy and Paul Dougherty January12, 2015 Medallion
Insurance Chapter 482-1-159 ALABAMA DEPARTMENT OF INSURANCE INSURANCE REGULATION ADMINISTRATIVE CODE CHAPTER 482-1-159 STRENGTHEN ALABAMA HOMES
Insurance Chapter 482-1-159 ALABAMA DEPARTMENT OF INSURANCE INSURANCE REGULATION ADMINISTRATIVE CODE CHAPTER 482-1-159 STRENGTHEN ALABAMA HOMES TABLE OF CONTENTS 482-1-159-.01 Purpose, Scope And Authority
Table of Contents. Western States Standing Seam SS675 Panel Installation, Flashings & Shop Drawing Detail Guide. Notes to Designer /Installers..
Western States Standing Seam SS675 Panel Installation, Flashings & Shop Drawing Detail Guide Table of Contents Section Page Section Page Notes to Designer /Installers.. 1 Fastener Placement and Selection.2-3
Protect your home from Severe wind
ICLR-SL SevereWind D10 Jun18-12-E-FINAL_x 12-06-18 12:35 PM Page A Designed for safer living Protect your home from Severe wind Designed for safer living is a program endorsed by Canada s insurers to promote
APPLICATION INFORMATION FOR RESIDENTIAL ROOFING AND RESIDENTIAL ROOFING PACKET
Environmental Protection and Growth Management Department PERMITTING, LICENSING AND CONSUMER PROTECTION DIVISION 1 N. University Drive, Box #302 Plantation, Florida 33324 954-765-4400 www.broward.org/permittingandlicensing
Walls. Add Strength and Water Resistance When Repairing Your. Replace damaged framing members when walls are open
Add Strength and Water Resistance When Repairing Your Walls Any home repair or remodeling work you do presents an opportunity to make your home fare better in the next storm. Whether you are just replacing
Roofing Enemies. Heat
Roofing Enemies Roof systems are designed to provide years of outstanding service. However, there are a number of factors that can significantly shorten the life of any roofing system. When installing
When is a Permit Required? What Types of Permits are Required? The most common types of projects that require permits are:
When is a Permit Required? The most common types of projects that require permits are: -New Houses or buildings -Room Additions or Expansions -Structural repairs, remodeling and alterations -Accessory
ANALYZING THE EFFECTS OF THE MY SAFE FLORIDA HOME PROGRAM ON FLORIDA INSURANCE RISK
ANALYZING THE EFFECTS OF THE MY SAFE FLORIDA HOME PROGRAM ON FLORIDA INSURANCE RISK RMS Special Report Summary of an analysis prepared for the Florida Department of Financial Services May 14, 2009 Author:
How To Prevent Water Damage To A Home
Having inspected about 800 homes in the last four years, I have seen a lot of problems with many homes. Most of these problems are minor; however, there are some problems that are quite serious. One of
ROOF INVESTIGATION SURVEY
ROOF INVESTIGATION SURVEY Prepared For: Susan Sametz Property Manager AAS Community Management P.O. Box 4382 St. Louis, MO 63123 Location: Rush Creek Homeowners Association Building #8 (8 units) 2025-2039
Insurance claims EFFECTS OF HAIL
New Section 1 Page 1 Insurance claims As an insurance loss specialist, Sarasota Architectural Solutions is fully qualified to work with insurance companies to satisfy storm claims for damages. We are a
A Residential Owner s Guide to PERMITS. Elgin CITY OF PLANNING & NEIGHBORHOOD SERVICES
A Residential Owner s Guide to PERMITS CITY OF Elgin PLANNING & NEIGHBORHOOD SERVICES CITY OF Elgin A Residential Owner s Guide Welcome! This booklet has been prepared to provide residential property owners
HURRICANE MITIGATION RETROFITS FOR EXISTING SITE-BUILT SINGLE FAMILY RESIDENTIAL STRUCTURES
HURRICANE MITIGATION RETROFITS FOR EXISTING SITE-BUILT SINGLE FAMILY RESIDENTIAL STRUCTURES 101 Retrofits Required. Pursuant to Section 553.844 553.884, Florida Statutes, strengthening of existing site-built,
Is Your Home Protected From Hail Damage? A Homeowner s Guide to Hail Retrofit
Is Your Home Protected From Hail Damage? A Homeowner s Guide to Hail Retrofit Prepared by the Institute for Business & Home Safety (IBHS). The Institute for Business & Home Safety is a nonprofit research
CLOSED-CELL SPRAY FOAM Resisting Wind Uplift in Residential Buildings
CLOSED-CELL SPRAY FOAM Resisting Wind Uplift in Residential Buildings RICHARD S. DUNCAN, Ph.D., P.E. JINHUANG WU, Ph.D. NOTICE: All statements, information and data given herein are believed to be accurate
SITE INSPECTION CHECKLIST
SITE INSPECTION CHECKLIST Numerous steps are required in determining that a site is suitable for the installation of a solar system. The inspection procedures and their proper chronology are outlined below.
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
Fortified For Safer Living
Fortified For Safer Living Module 2: The Impact of High-Winds on Property Damage and Insurance Claims In discussions about residential construction, builders often ask: What is the real advantage in conforming
Residual Markets. Residual Markets in which insurers participate to make coverage available to those unable to obtain coverage in Standard Market
Residual Markets David C. Marlett, PhD, CPCU Chair, Department of Finance, Banking and Insurance Appalachian State University marlettdc@appstate.edu 828.262.2849 http://insurance.appstate.edu/ Residual
Minimizing Water Intrusion Through Roof Vents in High-Wind Regions
Minimizing Water Intrusion Through Roof Vents in High-Wind Regions http://www.fema.gov HURRICANE IKE RECOVERY ADVISORY Purpose: To recommend practices for minimizing water intrusion through roof vent systems
THE SEARCH FOR T RENDS IN A GLOBAL CATALOGUE
THE SEARCH FOR T RENDS IN A GLOBAL CATALOGUE OF NORMALIZED W EATHER-RELATED CATASTROPHE LOSSES Robert-Muir Wood, Stuart Miller, Auguste Boissonade Risk Management Solutions London, UK Abstract I n order
F L O R I D A Õ S F O U N D A T I O N Make Mitigation Happen. Mitigating your home could translate to savings and peace of mind.
F L O R I D A Õ S F O U N D A T I O N Make Mitigation Happen Mitigating your home could translate to savings and peace of mind. What What is wind mitigation? Wind mitigation includes speciþc activities
Damage Assessment of Woodframe Residential Structures in the Wake of Hurricane Katrina
A Preliminary Report Damage Assessment of Woodframe Residential Structures in the Wake of Hurricane Katrina John W. van de Lindt, Colorado State University Andrew J. Graettinger, University of Alabama
During storm events, a roof is expected to perform many functions from preventing water intrusion
Roof Coverings and Best Practices 8.1 Introduction During storm events, a roof is expected to perform many functions from preventing water intrusion to acting as a structural diaphragm in certain situations.
Financing Options to support Energy Efficiency & Contractors
Financing Options to support Energy Efficiency & Contractors Renovation Loan Overview Renovation Loans offer a buyer the opportunity to buy a property and close as-is, financing both the purchase and repair
PACIFIC CATASTROPHE RISK ASSESSMENT AND FINANCING INITIATIVE
PACIFIC CATASTROPHE RISK ASSESSMENT AND FINANCING INITIATIVE NIUE SEPTEMBER 11 COUNTRY RISK PROFILE: NIUE Niue is expected to incur, on average,.9 million USD per year in losses due to earthquakes and
SHOULD YOU BE CONCERNED ABOUT EXPENSIVE HOME FOUNDATION PROBLEMS? ABSOLUTELY.
S SHOULD YOU BE CONCERNED ABOUT EXPENSIVE HOME FOUNDATION PROBLEMS? ABSOLUTELY. Foundation problems are rampant throughout Texas and Oklahoma. Expansive clay soils combined with extreme weather conditions
MI Weatherization and Renewable Energy
MI Weatherization and Renewable Energy 7-Hour Continuing Education COURSE SYLLABUS Course Description Weatherization: Students successfully completing this three hour portion will gain confidence in their