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re: Insurance commissioner push for reinforced roofs?
Posted on 4/5/23 at 9:43 pm to liz18lsu
Posted on 4/5/23 at 9:43 pm to liz18lsu
quote:
Metal roof, strapped in the attic. Irma & Ian hit directly, with no issues. Andrew really changed construction minimum requirements here in S. FL.
We have shotgun houses on the farm that are probably 75+ years old with the original tin roofs still intact.
0
Posted on 4/5/23 at 9:46 pm to Cajun75
I went the distance on meeting windstorm current standards and had an independent engineer inspect/generate state reports for my replacement house after Harvey. Tons of tie downs to connect roof to slab, roof sheathing nailed every 6 inches, window flashing nailed every 6 inches. I did wind pressure resistant windows, not impact resistant but am set up with precut plywood.
Windstorm insurance for new house is 2000 dollars cheaper than for the old house because of meeting standards. The nails and tie downs and engineer has easily been paid for in the last 3 years.
Posted on 4/6/23 at 8:14 am to Cajun75
Alabama, my state, leads the nation in "gold fortified" homes. Out of 45k in the country, AL has 40k, vast majority being in Lower Baldwin County (GS, OB, Foley, etc).
There are three categories of fortified homes:
Bronze/roof fortified-sheathing underneath roof, long, screw like nails, more per square than normal. Can be metal/shingle roof
Silver-bronze + impact resistant openings (windows/doors)
Gold-bronze + silver + basically roof tied to the walls, walls tied to the foundation
Gold fortified homes are built to withstand minimum of Cat 3 hurricane winds, which Sally was. Out of the 707 claims from Sally at our agency, less than 2% of them were fortified homes, and even then, the claims were small. Nothing close to catastrophic.
Fortified homes are a win for consumer (better built home and cheaper insurance). Win for the community, as there will not be widespread damage to homes as building code upgrades will ensure that. Win for insurers, as there won't significant claims to pay out with hurricanes. The only ppl not always happy are the builders, but they generally get over it, or they won't be building homes.
Orange Beach was the first municipality to mandate gold fortified homes in 2017. Gulf Shores followed suit in 2018 or 2019. To date, they are the only cities in America that mandate this. Five states have officially adopted the standard: AL, MS, TX, OK, GA (or SC...can't remember).
There are three categories of fortified homes:
Bronze/roof fortified-sheathing underneath roof, long, screw like nails, more per square than normal. Can be metal/shingle roof
Silver-bronze + impact resistant openings (windows/doors)
Gold-bronze + silver + basically roof tied to the walls, walls tied to the foundation
Gold fortified homes are built to withstand minimum of Cat 3 hurricane winds, which Sally was. Out of the 707 claims from Sally at our agency, less than 2% of them were fortified homes, and even then, the claims were small. Nothing close to catastrophic.
Fortified homes are a win for consumer (better built home and cheaper insurance). Win for the community, as there will not be widespread damage to homes as building code upgrades will ensure that. Win for insurers, as there won't significant claims to pay out with hurricanes. The only ppl not always happy are the builders, but they generally get over it, or they won't be building homes.
Orange Beach was the first municipality to mandate gold fortified homes in 2017. Gulf Shores followed suit in 2018 or 2019. To date, they are the only cities in America that mandate this. Five states have officially adopted the standard: AL, MS, TX, OK, GA (or SC...can't remember).
Posted on 4/6/23 at 8:47 am to diat150
Because it doesn’t allow the home to breathe as well
Posted on 4/6/23 at 8:49 am to Cajun75
Is everyone is taking a massive insurance hike and then they want to try an incentivize us to spend more money on our roof?
This post was edited on 4/6/23 at 9:09 am
Posted on 4/6/23 at 8:51 am to BamaCoaster
Fortified is basically a private company who took residential florida builder code and made it their business. There are a few differences between FBC and fortified but very minimal. All we’re doing is making contractors spend their money to be certified. The problem is after hurricanes we generally wave permits and there are no inspections vs florida where everything is inspected. If Louisiana wants to be serious, they should adopt codes like FBC. It will eliminate the “my brother n law can do this job for X amount less” and we can actually get proper work done.
Posted on 4/6/23 at 11:18 am to Cajun75
(no message)
This post was edited on 4/6/23 at 11:22 am
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