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A n n e C o p e
C h i e f E n g i n e e r
I n s u r a n c e I n s t i t u t e f o r
B u s i n e s s & H o m e S a f e t y
Building the
Future of
Resilience
BUT WE CAN
PREVENT THIS.
WE CAN’T PREVENT
ALL DAMAGE.
FIELD IBHS
FIELD IBHS
April 13, 2020 Chattanooga, TN
EF-3 Tornado
IBHS damage investigations
showed if the garage door survived
the storm, 90% of homes had no
structural damage to the roof.
It starts with
a sticker.
Get a new
door.
Voluntary Beyond Code Standards
Insured losses
totaling more
than
$ 10 billion
each year
IBHS Hail Research Path
Evaluate
existing test
standards
Collect Field
Measurements
Recreate
Realistic
Laboratory
Hail
Establish New
Test Protocol
and Ratings
Kinetic Energy Size – Mass Strength
Heymsfield et al. 2014 IBHS Field Study data 2012-2017 Giammanco et al. 2015
HOW DOES HAIL IMPACT A ROOF?
Bounce Shatter Slush
Tears Dents Granule
Loss
We are seeing
communities
repeat mistakes.
Rebuilding back without revision.
FIELD IBHS
• Fire-rated roof covering
• 0-5’ home ignition zone
• Clear under deck
• Replace or cover vents
START HERE
It’s a system.
Requires homeowners,
communities, community
planners to work together.
D i s a s t e r S a f e t y . o r g
RESEARCH TO ACTION
ibhs.org/impactrat
ings
i b h s . o r g F O R T I F I E D h o m e . o r g
AnneCopeIBHS
DisasterSafety

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