FORTIFIED for Existing Homes™ Agent Training Webinar

Fred C. Malik

IBHS FORTIFIED Program Manager

How can FORTIFIED helpAlabama residents?

FORTIFIED vs. Traditional Construction

Why choose FORTIFIED?

FORTIFIEDDesignation

Evaluation

Inspection

Systems Approach

Retrofit for Disaster

Resistance

6

Hardening the Alabama Building Stock

Ann

ual P

roba

bilit

y of

Exc

eeda

nce

Loss amount in $Billions (single family homes only)

Baseline: Current Building StockWhat if: Year built Pre-1974What if: Year built = 2008What if: Rebuilt to IBHS FORTIFIED for Safer Living®

0 2,000,000,000 4,000,000,000 6,000,000,000 8,000,000,000 10,000,000,000 12,000,000,0000.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

Windstorm Loss Relativities FORTIFIED for Existing Homes™ & FORTIFIED for Safer Living®

7

• Analysis of Wood or Masonry Residential Construction in High Hazard areas in Florida.

• Relativities for other locations and configurations may be different than those shown here.

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

Pre 1994 Construction

Bronze 1

Bronze 2

Silver 1

Silver 2

Gold 1

Gold 2

2002 FBC

Fortified... for Safer Living

Wind Mitigation Relativity

Can I afford it?

Is it affordable not to be FORTIFIED?Hurricanes and Tropical Storms –

6 have impacted the state since 2000

State’s most expensive hurricane = Ivan ($1.8 billion in losses) in 2004

Hurricane Katrina in 2005 –4 tornadoes in Central Alabama

Recent Results of FORTIFIED Field Trials

Key Terms

Secondary Water Barrier

FORTIFIED for Existing Homes™ Designation Process

1. Apply

2. Contact evaluator and complete home evaluation

3. Receive and review Current Condition Report

4. Decide on a FORTIFIED designation and perform required retrofits

5. Designation inspection and certificate issuance

6. Achieve peace of mind

No application fees

Online applications

available

Most single-family, detached homes

qualify

Evaluation Process

Select an IBHS certified evaluator

Schedule a home evaluation

Pay the evaluation fee

Receive the Current Condition Report

Current Condition ReportEvaluation focuses on 5 frequent sources of hurricane-related losses:

• 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

Select the Designation Level –Options available for all price points

Choosing a Designation Tier

• Tier 1:

• Tier 2:

Tier 1 – Bronze & Silver• Easier and less costly to inspect• Almost all homes can attain these designations

without major intrusion and disruption

• Bronze:– Focus is on roof– Best results and least costly when someone is re-

roofing

• Silver:– Focus is on opening protection, gable ends and

attached structures such as porches

Tier 2 - Gold

• More difficult and costly to inspect• Easiest to achieve for homes that:

– Have been engineered or built to engineering based high wind standards such as WFCM or SSTD-10

– Are undergoing substantial renovation or are being re-built after a disaster.

Set Expectations

• Most homes will require some measure of improvement to achieve a designation.

• Some benefits will be immediate (credits), while others will be less tangible.

• ROI will vary from owner to owner.

FORTIFIED Bronze • Goal: Minimal damage and

loss in Category 1 storm

• Basic Requirement – Limit damage to roof and related water intrusion

• Two Options• Without re-roofing (roof

covering is not being replaced)

• Re-roofing (replace the roof covering)

Bronze Two Options

• Option 1 – When not re-roofing (Roof cover is in good condition with a number of years of useful life expectancy)– Tile or Metal roofs in good condition– Shingle roof that is less than 10 years old

• Option 2 – When re-roofing

Bronze Option 1: Two Part Closed Cell Polyurethane Foam Adhesive

Bronze Options 1 and 2: Improve the anchorage of gable end outlookers

Bronze Options 1 and 2: Soffit failure

Bronze Options 1 and 2: Gable vent retrofit

FORTIFIED Silver

Goal: Minimal damage and loss in Category 2 storm

√ All Level 1 Hurricane requirements (Options 1 or 2) completed plus;

• Provide protection for glazed openings• Protect entry doors from failures due to wind

pressure or debris impact• Protect garage doors from wind pressure• Strengthen gable ends over 4-feet tall (wall

members and anchorage at top and bottom)• Improve anchorage of attached structures (carports

and porches)

Silver Impact-rated windows or windows protected with

by an impact-rated product

SilverImpact-rated doors or doors protected by

impact-rated screen/shutter product

SilverGarage doors pressure-rated or protected by impact-rated

screen/shutter

SilverGable End

Bracing

SilverImprove anchorage of attached structures (carports and porches)

FORTIFIED Gold• Goal: Minimal damage and

loss in Category 3 storm

• Basic requirements –

• Limit damage to roof and related water intrusion

• Protect all openings• Strengthen large gable

end walls• Improve structural

connections throughout structure

GoldLoad Paths: Masonry

GoldWindows and entry doors must meet design pressure

requirements

This window and frame werepushed in by the wind

Value vs. Cost• 2,000 square feet under roof (including all condition and

unconditioned spaces)Scenario #2

Task Range

Evaluation $150 $150

In-Progress 1 $75 $150

In-Progress 2 $75 $150

Final $75 $150

Total $375 $600

This is for illustration purposes only. Actual pricing may vary by provider.

Scenario #1

Task Range

Evaluation $150 $150

In-Progress 1 $0 $0

In-Progress 2 $0 $0

Final $0 $0

Total $150 $150

Sample Certificate

12312 Fortified WayDaphne, AL 36526

ReviewWhat Homes are eligible?

Single family detached homes

Who can do evaluations? Certified Evaluators

How much? Starting at $150 (not including retrofit)

When? Evaluators certified in May 2010

Duration Designations last for 5 years

Where to apply? www.DisasterSafety.org

Questions?

DISCLAIMER

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.