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Building Fortified Home Partnerships in Rhode Island_RIFMA2016
- 1. Building FORTIFIED Homeโข Partnerships in Rhode Island
- 3. IBHS Mission: โTo conduct objective, scientific research to identify and promote effective actions that strengthen homes, businesses, and communities against natural disasters and other causes of loss."
- 5. Property Loss Mitigation Holds Communities Together Resilient Communities Reduce Spending Income Tax Base Local Jobs Local Economy Property Tax Base
- 6. FORTIFIED Home The National Standard for Resilient Construction
- 7. FORTIFIED Homeโข - Eligibility โข New & existing homes โข Single-family detached, site built โข Townhouses and quadplexes โข Manufactured/Modular single-family homes
- 8. FORTIFIED Homeโข Features - RI UpgradedRoofsystem:(Nailroofdeckusing8dringshank),SealRoofDeck(SRD)*, WindRatedShingles,UpgradedatticventsTAS100(A),Structuralwoodsheathingat gables Qualified opening protection (impact rated windows and doors), Reinforced gable-end walls, Metal connectors to secure attached structures Reinforced wood frame chimneys, Engineered Continuous Load Path (CLP) Prescriptive โ Verified by Certified FORTIFIED Evaluator Performance - Verified by Certified FORTIFIED Evaluator Hurricane
- 9. Program Basics โข Independent Verification is Required โ Certified FORTIFIED Home Evaluator โข Cost โ Inspection โ varies by evaluator โ Upgrades โ if applicable, varies by what is needed โข Designations valid for 5-years โข Automatic reminders sent to registered owner prior to designation expiration โข Re-designation focuses on the roof, requires evaluation by certified FORTIFIED Home Evaluator
- 10. FORTIFIED vs. Traditional Construction Traditional โข Focus: Life safety โข Make building survive long enough for the occupants to evacuate FORTIFIED โข Focus: Life safety AND property protection โข Make building better able to survive severe event and immediately re-useable, or re-useable in a short period of time
- 11. Wind-Driven Rain
- 12. Sealed Roof Deck Demonstration ยฉ Insurance Institute for Business & Home Safety
- 14. Benefits to Homeowners Peace of mind Property protection Limit loss of use (Resilience) Social responsibility (Sustainability) Financial incentives (where available)
- 15. Benefits to Builders and Contractors Build trust Sell value over price Be an expert, leader in the community Social responsibility Financial incentives (where available)
- 16. Benefits to Insurers โข Write better risks โข Know that properties have been professionally verified and audited by IBHS โข Potential to lower loss costs โข Potential to lower ALE post cat
Editor's Notes
- Why do we exist? Because property is damaged or destroyed daily by man-made and extreme weather. To minimize the macro economic impact of these losses, pro-active mitigation is necessary. Fundamentally we pursue win-win solutions by searching for ways to reduce losses. IBHS focuses on natural disasters and causes of loss like water damage, electric shock and internal fire that are often caused by improper use or equipment failures. IBHS does not work on other man-made causes of loss like terrorism.
- INFLATION ADJUSTED U.S. CATASTROPHE LOSSES BY CAUSE OF LOSS, 1991-2010 (1) (2010 $ billions) 78% of losses (or $272 Billion) are related to high wind related events. It has been estimated that we could reduce the amount of insured losses by as much as 50% by just getting the roof right.
- Consider for a moment the components that comprise the roof system: Roof framing (type and spacing), roof decking material, roof decking thickness, roof decking attachment (fastener type, size and spacing), roof deck sealing method, roofing underlayment, drip edge installation, finally roof covering. Energy efficiency failures can lead to higher ownership cost, resilience failures can lead costly and disruptive failures, and in extreme circumstances violent and sudden catastrophic losses. Text from slide: Without adequate resilience, risk of loss can be significant even in low intensity events. Systems-based approach used in FORTIFIED seeks to mitigate all of the components that make up vulnerable assemblies. ร la carte approaches encourage the selection of individual components to achieve a score/credit. Score, first; Performance second.
- During this section, we will be covering the basic requirements of each level of FORTIFIED Home โ Hurricane designation. In a later section of the course, we will get into detailed descriptions of each component, system and the requirements for each.
- The Insurance Institute for Business & Home Safety conducted a hurricane test demonstration focusing on water intrusion at its multi-risk Research Center in South Carolina in August 2011. A 1,300 sq. ft., single-story duplex residential building was placed in the facilityโs large test chamber and subjected to several individual test sequences involving both high-speed, multi-directional, gusty winds and prolonged exposure to โrainโ typical during a hurricane, delivered at a rate of up to 8 inches per hour. The duplex was built with construction features common in many coastal and inland areas of the Atlantic and Gulf Coast states with hurricane exposure. The interior of the duplex was furnished with light fixtures, ceiling fans, furniture, carpeting and laminate flooring. Both sides of the duplex roof were identical with the critical exception of a sealed roof deck on one side. Modified bitumen tape was used to seal the joints and gaps between the sheathing panels that made up the roof decking. The other side of the roof was unsealed. The approximate cost to seal the roof deck of a 2,000 sq. ft. home with the modified bitumen tape was less $500. Following the test, IBHS brought in a claims adjuster from a local insurance company who is trained in catastrophe claims adjusting to estimate the amount of damage each house suffered. He assessed the damage to the front three rooms on both sides of the duplex, including the kitchen, dining room, and family room. During a hurricane or high wind event, winds generally come from a relatively small range of directions after the roof cover blows off, so damaged confined to one area of a house would be typical of most peopleโs experience. The difference between the costs to repair the two sides of the duplex is substantial. The loss estimate for the side with the unsealed roof deck is more than three times the loss estimate for the side with the sealed roof deck. Of particular note is that the furniture in the side with the unsealed roof deck had to be replaced, while the furnishings in the side with the sealed roof deck only had to be cleaned.
- Ask participants to list benefits. If needed review those listed on slide. Key concepts: While financial incentives do tend to motivate action, the consumers most likely to take personal responsibility for reducing their risk are those who recognize and value the qualitative benefits listed. Financial incentives can come from a variety of sources, not just the insurance industry. Many stakeholders have a reason to incentivize resilient construction. Resiliency is the power or ability to return to the original form or position after being bent, compressed, or stretched. It is similar to elasticity. Sustainability is the quality of not being harmful to the environment or depleting natural resources, and thereby supporting long-term ecological balance. Sustainability and resiliency are linked characteristics. Some aspects of sustainability, such as energy conservation, provides short term returns on investment (such as energy savings). Resilient construction (FORTIFIED) protects investments and property so that the expected savings are achieved over the life of the home and building materials do not end up in landfills.
- Ask participants to list benefits. If needed review those listed on slide. Key concepts: While financial incentives do tend to motivate action, builders most likely to offer FORTIFIED are those that innovate, lead their industry, focus on selling value over price and have a strong desire to โdo-the-right-thingโ.
- Ask participants to list benefits. If needed review those listed on slide. Key concepts: While financial incentives do tend to motivate action, builders most likely to offer FORTIFIED are those that innovate, lead their industry, focus on selling value over price and have a strong desire to โdo-the-right-thingโ.