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FORTIFIED for Existing Homes™ Agent Training Webinar<br />Fred C. Malik<br />IBHS FORTIFIED Program Manager<br />
How can FORTIFIED helpAlabama residents?<br />
FORTIFIED vs. Traditional Construction<br />
Why choose FORTIFIED?<br />
6<br />Hardening the Alabama Building Stock<br />Baseline: Current Building Stock<br />What if: Year built Pre-1974<br />W...
Windstorm Loss RelativitiesFORTIFIED for Existing Homes™  &  FORTIFIED for Safer Living®<br />7<br />Analysis of Wood or M...
Can I afford it?<br />
Is it affordable not to be FORTIFIED?<br />Hurricane Katrina in 2005 –<br />4 tornadoes in Central Alabama<br />Hurricanes...
Recent Results of FORTIFIED Field Trials<br />
Key Terms<br />Secondary Water Barrier<br />
FORTIFIED for Existing Homes™ Designation Process<br />Apply <br />Contact evaluator and complete home evaluation <br />Re...
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 ...
Current Condition Report<br />Evaluation focuses on 5 frequent sources of hurricane-related losses:<br /><ul><li> The roof:
 Sheathing and roof covering
 Attic ventilation systems
 Openings
 Gable ends over 4’ in height
 Attached structures (porches and carports)
 Continuous load path connections</li></li></ul><li>Select the Designation Level –<br />Options available for all price po...
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 withou...
Tier 2 - Gold<br />More difficult and costly to inspect<br />Easiest to achieve for homes that: <br />Have been engineered...
Set Expectations<br />Most homes will require some measure of improvement to achieve a designation.<br />Some benefits wil...
FORTIFIED Bronze <br />Goal: Minimal damage and loss in Category 1 storm<br />Basic Requirement – Limit damage to roof and...
Re-roofing (replace the roof covering)</li></li></ul><li>BronzeTwo Options<br />Option 1 – When not re-roofing      (Roof ...
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: Soffit failure<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 (...
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 />
SilverGable EndBracing<br />
SilverImprove anchorage of attached structures (carports and porches)<br />
FORTIFIED Gold<br />Goal: Minimal damage and loss in Category 3 storm<br />Basic requirements –<br /><ul><li>Limit damage ...
Protect all openings
Strengthen large gable end walls
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FORTIFIED for Existing Homes™

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FORTIFIED for Existing Homes™

  1. 1. FORTIFIED for Existing Homes™ Agent Training Webinar<br />Fred C. Malik<br />IBHS FORTIFIED Program Manager<br />
  2. 2.
  3. 3. How can FORTIFIED helpAlabama residents?<br />
  4. 4. FORTIFIED vs. Traditional Construction<br />
  5. 5. Why choose FORTIFIED?<br />
  6. 6. 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 />
  7. 7. 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 />
  8. 8. Can I afford it?<br />
  9. 9. 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 />
  10. 10. Recent Results of FORTIFIED Field Trials<br />
  11. 11. Key Terms<br />Secondary Water Barrier<br />
  12. 12. 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 />
  13. 13. No application fees<br />Online applications available<br />Most single-family, detached homes qualify <br />
  14. 14. 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 />
  15. 15. Current Condition Report<br />Evaluation focuses on 5 frequent sources of hurricane-related losses:<br /><ul><li> The roof:
  16. 16. Sheathing and roof covering
  17. 17. Attic ventilation systems
  18. 18. Openings
  19. 19. Gable ends over 4’ in height
  20. 20. Attached structures (porches and carports)
  21. 21. Continuous load path connections</li></li></ul><li>Select the Designation Level –<br />Options available for all price points<br />
  22. 22. Choosing a Designation Tier<br />Tier 1:<br />Tier 2:<br />
  23. 23. 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 />
  24. 24. 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 />
  25. 25. 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 />
  26. 26. 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)
  27. 27. 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 />
  28. 28. Bronze Option 1: Two Part Closed Cell Polyurethane Foam Adhesive<br />
  29. 29. Bronze Options 1 and 2:Improve the anchorage of gable end outlookers <br />
  30. 30. Bronze Options 1 and 2: Soffit failure<br />
  31. 31. Bronze Options 1 and 2:Gable vent retrofit<br />
  32. 32. 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 />
  33. 33. Silver Impact-rated windows or windows protected with by an impact-rated product<br />
  34. 34. SilverImpact-rated doors or doors protected by impact-rated screen/shutter product<br />
  35. 35. SilverGarage doors pressure-rated or protected by impact-rated screen/shutter<br />
  36. 36. SilverGable EndBracing<br />
  37. 37. SilverImprove anchorage of attached structures (carports and porches)<br />
  38. 38. FORTIFIED Gold<br />Goal: Minimal damage and loss in Category 3 storm<br />Basic requirements –<br /><ul><li>Limit damage to roof and related water intrusion
  39. 39. Protect all openings
  40. 40. Strengthen large gable end walls
  41. 41. Improve structural connections throughout structure</li></li></ul><li>GoldLoad Paths: Masonry<br />
  42. 42. GoldWindows and entry doors must meet design pressure requirements<br />This window and frame werepushed in by the wind<br />
  43. 43. Value vs. Cost<br />2,000 square feet under roof (including all condition and unconditioned spaces)<br />This is for illustration purposes only. Actual pricing may vary by provider.<br />
  44. 44. Sample Certificate<br />12312 Fortified Way<br />Daphne, AL 36526<br />
  45. 45. Review<br />
  46. 46. Questions?<br />
  47. 47. 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 />

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