IntroductionCan everyone see the screen?Since we are a relatively small group, I will be leaving lines open, however, if you are joining us from somewhere where there might be interruptions, please mute your phone.Questions: Periodically and at the end.Goal: Answer Who, What, When, Why, How and How Much!
WHAT IS FORTIFIED?IBHS mission is to reduce the social and economic effects of natural disasters and other property losses by conducting research and advocating improved construction, maintenance and preparation practices.IBHS always points out the need for strong, well-enforced building codes – but it’s equally important to remember that building codes are the floor when it comes to property protection. The IBHS FORTIFIED suite of programs is aimed at reaching higher and adopting code-plus building and retrofitting techniques to provide an optimum level of protection. FORTIFIED programs are our primary vehicle to push what we learn out to the public.Feature practical, meaningful solutions for new as well as existing structures throughout the United States. IBHS usesapplied building science solutions to reduce the risks facing these types of properties, and incorporate what is learned into thefollowing programs:FFSL: code-plus, new construction, around for 9 years, with several homes currently being built in Mobile and Baldwin.FFSB: coming soon. Focus, improvement of light commercial buildings.Today is about FORTIFIED for Existing Homes™ WHAT is FEH?A national, third-party verification program. Designed for homeowners.Goals:assess the condition of the homestrengthen the home through aretrofitting and verificationprocessCharacteristics of the program:Adaptable to meet the challenges of specific houses and perils. is an incremental program, meaning that each of the lower level retrofit designationrequirements must be completed before moving onto the next designationlevel, and each level builds in additional disaster protections.
The reason we are piloting this program in Mobile and Baldwin counties is that in 2009, Alabama passed legislation (Alabama Act 2009-500, now codified as Ala. Code §§ 27-31D-1), which requires Alabama-admitted insurance companies to provide a premium discount or insurance rate reduction to owners who build, rebuild, or retrofit their homes in accordance with specified standards to better withstand hurricanes and other catastrophic windstorm events. In Bulletin No. 2010-03 (April 20, 2010), ALDOI updated information contained in previous bulletins and established new benchmarks for required discounts. In the latest round, 2006 IRC provides the lowest level of discount equivalent with FEH Bronze. FORTIFIED Silver, Gold and FFSL all enjoy higher discount rates.
How does a FORTIFIED home compare to a conventional home? A FORTIFIED for Exiting Homes designation is a scorecard verifying quality of construction, which gives homeowners much greater confidence that specific systems in their home will contribute towards the home’s disaster resistance and resilience when an event occurs. The FORTIFIED designation process includes:a comprehensive evaluation report third-party verified information about the home’s disaster resistancethe materials and methods used in the construction of their home. KEY BENEFIT: Similar documentation of third-party verified information is typically not available for homes that have not been FORTIFIED, including homes that are supposed to have been built to 2006 IRC. Homes built to 2006 IRC may be inspected but quality and consistency of inspections is a concern.Varies from municipality to municipality. May have trouble getting certification of 2006 compliance from building department.BENEFIT: FORTIFIED has a single set of standards that are uniformly enforced.
What is the difference between FORTIFIED for Existing Homes™ and other hazard mitigation efforts?Value and results are the two biggest differences.holistic, systems based approach to improving the durability of the homethe systems that fail at the lowest intensity level of each natural hazard firstthe low intensity events are the most common and pose the most frequent threat to homeowners, their property, and their finances. Ability to choose level of investmentother efforts tend to focus on individual components, that approach is risky. A consequence of picking and choosing individual retrofit actions without a systematic approach to reducing risk is that homeowners may invest a lot of money and still have their family displaced after a weak or moderate event.
This slide shows the results of an analysis with RMS Hurricane Model RiskLink 7.0.It is an analysis of statewide losses to all the Single Family Building stock in Alabama. The curves here represent the variation in state wide loss levels as a function of the probability of exceedance. Note that the inverse of probability of exceedance is typically referred to as a ‘return period’. For example a 1% probability of exceedance = 100 year return period.The three what if scenarios, illustrate the range of results that can be expected under hypothetical conditions where the entire building stock is modified or made to uniform construction standards as follows: Baseline – analysis of today’s building stock which is a mixture of building ages, construction characteristics, and protection levels (shutters, roofing, etc.). RMS has built an industry exposure database that is a representation of the building stock at risk within the state. What if Year Built Pre-1974 – This curve represents if all the buildings were of an older construction – it can be thought of as a worst case scenario – the case if all the existing buildings ‘degrade’ to yesterday’s standards. What if Year Built 2008 – This curve represents what would happen if you rebuilt all buildings this year to the current building code standards – an improvement (reduction) in loss levels.What if Rebuilt to IBHS Fortified Home Standard. – this curve represents if all the buildings in the state were built according to the specs outlined in the IBHS Fortified..for safer living® program. It shows a dramatic reduction in losses under these conditions, and reflects the code-plus aspects that reduce loss further like hurricane shutters, and better deck nailing.Michael Young Risk Management Solutions510-505-3213
This chart shows the damage you would expect to see to properties built in the 1970s-1980s, which is considered the weakest period for construction, if a hurricane were to strike Alabama. As you can see, we have set the damage to traditionally constructed homes at 100 percent. The following damage assessments are relative to this with respect to homes built in this period. If these homes were retrofitted to the FEH Bronze standard, damage decreases to 70 percent; Silver to about 40 percent; while gold would be on par with the performance you could expect from modern construction built to the latest ICC codes. This data came from a well-known modeling company. These slides show results from RMS’ US Hurricane Model, RiskLink 9.0 and have been created by RMS staff based on analysis of preliminary construction criteria for the FORTIFIED for Existing Homes retrofit program. RMS staff should be consulted with regard to the specific modeling options used to create the results presented here.
Is participating in the FORTIFIED for Existing Homes™ program expensive? No one can afford to waste their hard-earned savings on home improvements that might not protect them when they need it most. Houses ranging from modest entry level homes to $1MM and up have been built to FFSL.FEH with its different levels makes meaningful risk reduction attainable for any budget.
In 2009, Alabama ranked 7th in the nation for the number of major disasters (53), so it’s really a question of whether residents can afford not to do something to better protect their homes. Here are some examples that may help homeowners make the case for FORTIFIED…HurricanesCostliest AL hurricane in recent years = Ivan, which caused $1.8 billion (2004 dollars) in insured losses in 2004; Hurricane Katrina caused$1.46 billion in insured losses in AL (2005);Six hurricanes and tropical storms have impacted the state since 2000.
In April 2010, we looked at houses ranging in age from 15 years old to 3 years old. Avg. Age 7.5 years.Houses were from 1,500 square feet to over 3,500 square feet.A variety of construction methods were observed including concrete construction and wood frame construction. Every house contained unique elements or construction details that increased its vulnerability to hurricane damage. Solutions are available to strengthen each of these weaknesses; but, the variety of issues drives home the importance of having knowledgeable individuals conduct careful inspections.We found weaknesses in the following areas (every house exhibited at least one of these characteristics): Roof covering-in need of replacement (on one home, the roof covering was only 7 years old and will need to be replaced within the next 2 – 3 years). (25%)Lack of secondary water resistance (100%)Poor attachment of roof decking (50%)Poorly constructed soffits (25%)Soffits over 24” (25%)No opening protection or inadequate opening protection (100%)Inadequate attachment of porches and chimneys (50%)Large gables (over 4’) with no bracing (50%)Missing roof to wall connectors (75%) Long story short, there is a real need for FEH in Alabama, and the homeowners there are not aware of how vulnerable they are.
The application process and submission:Apply for their FORTIFIED Evaluation homeowners can apply for an evaluation online beginning in May 2010 , by emailing IBHS at firstname.lastname@example.org, or by calling the FORTIFIED program administrator at (813) 286-3400. There is NO program application fee for homeowners. However, homeowners will have to pay for the home evaluation. Each FORTIFIED for Existing Homes™ Evaluator has their own fee schedule and will discuss that with homeowners when making their initial contact with homeowners to schedule their evaluation. The initial evaluation of their home will be the basis for a Current Condition Evaluation Report. Then their Evaluator will go over the results of the report and help homeowners understand what retrofits (if any) need to be completed to achieve certain designation levels and what other onsite, in progress inspections may be required to submit their home for FORTIFIED designation. The FORTIFIED for Existing Homes™ program is tailored to the strengthening of single-family detached homes. Most single-family homes will be eligible to participate in the program. However, due to the variety of construction techniques and variances in construction quality from place to place, only a FORTIFIED Evaluation can determine what actions must be taken for their home to become eligible for designation.
Who can perform evaluations and follow-up inspections? Only certified Evaluators. Must meet professional requirements, take an exam, maintain good records, take CE and are subject to audits.Detail how to locate a certified Evaluator?List provided after application is made and will be available online soon.Describe who contracts with the Evaluator?Homeowner will contract directly with the evaluator.Who gets what information about the property?IBHS, the homeowner and the evaluatorFORTIFIED for Existing Homes™ has three levels of designation: Bronze, Silver and Gold, with Gold representing the highest level of achievement and the greatest disaster protection.
How quickly will the evaluation report be generated? 2 – 4 weeks
FORTIFIED for Existing Homes™:Offers two tiers and three levels of protection to give homeowners affordable options that will increase the hurricane resistance of a home. Consumers can choose bronze, silver or gold designations, depending upon the amount of home improvements they are willing to perform. It is inspection-based, so homeowners know they are getting the protections they’re paying for. The program will be expanded to include other perils throughout 2010.
These are general guidelines. Each home will be different.
These are general guidelines. Each home will be different.
These are general guidelines. Each home will be different.
Due to the manner in which houses around the country and specifically in Alabama, have been constructed, it is likely that nearly all existing properties have weaknesses that will need to be addressed. Left unaddressed, homeowner’s are at risk of substantial financial loss and lifestyle disruption that could far out weigh the costs of retrofitting.The cost of doing nothing could be severe.
While the stated objective is to minimize damage from a relatively weak storm, this is because we are not having them do some of the structural retrofits or window protection outlined in Silver and Gold requirements. We are in fact seeking to bring the roof up to or beyond the requirements for new construction. The details will show that we are working to make sure that the roof sheathing fastening requirements meet or exceed current code requirements and are consistent or more restrictive than FEMA recovery/fact sheet requirements. We also require a secondary water barrier – something that is not required in current building codes but our requirements are generally expected to be consistent in terms of performance with FEMA underlayment recommendations for high wind areas.
Designation standards include performance requirements as well as prescriptive methods to facilitate implementation by contractors and DYI.Option 1 – When not re-roofing (<10 years) (Roof cover is in good condition with at least 5 years useful life)Apply acceptable closed cell foam adhesive in attic to all roof sheathing joints and to joint between sheathing and framing (improved roof sheathing connection and secondary water barrier)Improve anchorage of roof deck/outlookers at gable endsReduce chances of attic ventilation system failureOption 2 – When re-roofing (>10 years)Re-nail the roof sheathingProvide roof backup water intrusion protectionApply high-wind rated roof coverImprove anchorage of roof deck/outlookers at gable endsReduce chances of attic ventilation system failure
While the stated objective is to minimize damage from a category 2 storm, this is because we are not having them complete the full load path retrofits that are part of the Gold requirements. We are in fact requiring opening protection that meets or exceed the code requirements for new construction and are tackling the two most frequent areas where structural failures are initiated. The strengthening requirements are consistent with or exceed what would be done for new construction in the area.
What is someone’s family and lifestyle worth? Value:InsuranceDiscountsReduction or elimination of Social interruptionsReduction of or elimination of Family interruptionsReduction of or avoidance of Health problemsLimit financial loss (deductible spending)Make Insurance availableCOSTThere is no charge for applying for a designation, however, there will be some cost associated with evaluating the home, performing required retrofits (if any) and verifying that any work done meets program requirements.The initial evaluation and any verification inspections must be done by certified, FORTIFIED evaluators. These individuals are building and inspection professionals, selected and trained by IBHS. Initial evaluations of the home will start at around $150 for homes upto 2,000 s.f. under roof. There may be adjustments for homes that are more complex (ex. Homes with 2-stories, or larger than 2,000 s.f.). Homes where modifications are necessary to make the home safer, stronger and more durable, may have upto 2 in process inspections. These inspections are expected to cost between $75 and $150. Also, for houses requiring retrofitting, there will be a designation evaluation expected to be $75. This is done after all work is complete. So an expected range of evaluation and inspectioncost for a 2,000 s.f. home would be:For a home not requiring any modifications: $150For a home requiring modifications: (with 2 follow-up inspections and a final): $375.
FORTIFIED for Existing Homes™
FORTIFIED for Existing Homes™ Agent Training Webinar<br />Fred C. Malik<br />IBHS FORTIFIED Program Manager<br />
6<br />Hardening the Alabama Building Stock<br />Baseline: Current Building Stock<br />What if: Year built Pre-1974<br />What if: Year built = 2008<br />What if: Rebuilt to IBHS FORTIFIED for Safer Living®<br />Annual Probability of Exceedance<br />Loss amount in $Billions (single family homes only)<br />
Windstorm Loss RelativitiesFORTIFIED for Existing Homes™ & FORTIFIED for Safer Living®<br />7<br />Analysis of Wood or Masonry Residential Construction in High Hazard areas in Florida. <br />Relativities for other locations and configurations may be different than those shown here.<br />
Is it affordable not to be FORTIFIED?<br />Hurricane Katrina in 2005 –<br />4 tornadoes in Central Alabama<br />Hurricanes and Tropical Storms – 6 have impacted the state since 2000<br />State’s most expensive hurricane = Ivan <br />($1.8 billion in losses) in 2004<br />
Recent Results of FORTIFIED Field Trials<br />
FORTIFIED for Existing Homes™ Designation Process<br />Apply <br />Contact evaluator and complete home evaluation <br />Receive and review Current Condition Report <br />Decide on a FORTIFIED designation and perform required retrofits<br />Designation inspection and certificate issuance<br />Achieve peace of mind<br />
No application fees<br />Online applications available<br />Most single-family, detached homes qualify <br />
Evaluation Process<br />Select an IBHS certified evaluator<br />Schedule a home evaluation<br />Pay the evaluation fee<br />Receive the Current Condition Report <br />
Current Condition Report<br />Evaluation focuses on 5 frequent sources of hurricane-related losses:<br /><ul><li> The roof:
Continuous load path connections</li></li></ul><li>Select the Designation Level –<br />Options available for all price points<br />
Choosing a Designation Tier<br />Tier 1:<br />Tier 2:<br />
Tier 1 – Bronze & Silver<br />Easier and less costly to inspect<br />Almost all homes can attain these designations without major intrusion and disruption<br />Bronze:<br />Focus is on roof<br />Best results and least costly when someone is re-roofing<br />Silver:<br />Focus is on opening protection, gable ends and attached structures such as porches<br />
Tier 2 - Gold<br />More difficult and costly to inspect<br />Easiest to achieve for homes that: <br />Have been engineered or built to engineering based high wind standards such as WFCM or SSTD-10<br />Are undergoing substantial renovation or are being re-built after a disaster.<br />
Set Expectations<br />Most homes will require some measure of improvement to achieve a designation.<br />Some benefits will be immediate (credits), while others will be less tangible. <br />ROI will vary from owner to owner.<br />
FORTIFIED Bronze <br />Goal: Minimal damage and loss in Category 1 storm<br />Basic Requirement – Limit damage to roof and related water intrusion<br />Two Options<br /><ul><li>Without re-roofing (roof covering is not being replaced)
Re-roofing (replace the roof covering)</li></li></ul><li>BronzeTwo Options<br />Option 1 – When not re-roofing (Roof cover is in good condition with a number of years of useful life expectancy)<br />Tile or Metal roofs in good condition<br />Shingle roof that is less than 10 years old<br />Option 2 – When re-roofing<br />
Bronze Option 1: Two Part Closed Cell Polyurethane Foam Adhesive<br />
Bronze Options 1 and 2:Improve the anchorage of gable end outlookers <br />
Bronze Options 1 and 2:Gable vent retrofit<br />
FORTIFIED Silver <br />Goal: Minimal damage and loss in Category 2 storm<br /><ul><li>All Level 1 Hurricane requirements (Options 1 or 2) completed plus;</li></ul>Provide protection for glazed openings<br />Protect entry doors from failures due to wind pressure or debris impact<br />Protect garage doors from wind pressure<br />Strengthen gable ends over 4-feet tall (wall members and anchorage at top and bottom)<br />Improve anchorage of attached structures (carports and porches)<br />
Silver Impact-rated windows or windows protected with by an impact-rated product<br />
SilverImpact-rated doors or doors protected by impact-rated screen/shutter product<br />
SilverGarage doors pressure-rated or protected by impact-rated screen/shutter<br />
DISCLAIMER<br /> IBHS SHALL HAVE NO LIABILITY, IN NEGLIGENCE, TORT OR OTHERWISE WITH RESPECT TO THE USE OF ANY OF THE INFORMATION AND/OR PRACTICES DESCRIBED IN THIS SLIDESHOW. ALTERATIONS OR MODIFCATIONS TO ANY OF THE CONTENT OF THIS SLIDESHOW ARE THE SOLE RESPONSIBILITY OF THE PERSON AND/OR BUSINESS MAKING SUCH ALTERATIONS OR MODIFICATIONS. NOTHING CONTAINED IN THIS SLIDESHOW IS INTENDED OR WRITTEN TO BE USED, NOR MAY IT BE RELIED UPON OR USED, BY ANY PERSON AND/OR BUSINESS AS LEGAL ADVICE. <br />