Task Force on Long-Term Solutions For Florida s s Hurricane Insurance Market

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1 Task Force on Long-Term Solutions For Florida s s Hurricane Insurance Market Blueprint for Safety Program and The Florida Building Code William H. York, W. H. York Consulting, Inc.

2 William H. York President, WH York Consulting, Inc. Director, Building Evaluations, Applied Research Associates BS Industrial Engineering Northeastern University State Certified Building Contractor, CBC State Certified Residential Construction Mitigation Inspector State Certified Hurricane Shelter Inspector Certified Insurance Discount Inspector and Trainer

3 OUTLINE Tale Tale Of Two Houses Video Flash Flash Blueprint For Safety News Letter Rebuilding After The Storm Florida Florida Building Code Issues And Opportunities Questions

4 TALE OF TWO HOUSES Two Houses That Were Impacted By Hurricane Charlie In Punta Gorda Isles Identifies Issues With Pre-Florida Building Code Homes And Identifies Benefits Realized With The Florida Building Code Visit: for the video

5 Summary The Florida Building Code Is Working More Training That Is Required = Better Design & Construction & Inspections = Better Buildings Additional Cost Of Construction Is Not Significant (4 To 8%) Important To Keep Roof In Place And Water Tight Tie Roof To Walls And Create A Continuous Load Path For Wind Forces Protect Openings From Debris Impact Results = Reduced Losses For: Homeowner State And Federal Government Insurance Companies

6 Questions?

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8 1. Roof Deck Attachment 2. Secondary Water Barrier 3. Roof Covering

9 4. Roof Shape and Bracing Gable Ends 5. Roof to Wall Connections

10 6. Opening Protection 7. Doors

11 Florida Building Code(s Florida Building Code Became Effective March 1, 2002 (s) The Date The Permit Application Is Received Determines The Applicable Code. Therefore Most Of The Buildings Built In 2002 Are Not Built Using The FBC

12 2001 FBC Major Major changes required for increased hurricane resistance: Adopted ASCE-7 The National Standard For Designing Buildings And Other Structures Wind Speed Map Changed To 3 Second Gust Wind-borne Debris Regions Established High Velocity Hurricane Zone Provisions Higher Wind Rated Roof Coverings Required Continuous Load Path Required

13 Cat Saffir-Simpson Simpson Hurricane Scale Wind Speed Over Water Saffir's Number 2001 FBC Wind Speed (1 min) Wind Speed (3 sec) Storm Surge in Feet

14 Legislative Items for the 2001 FBC Modified Modified the wind-borne debris region in the Florida Panhandle

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17 Legislative Items for the 2001 FBC Prohibited local jurisdictions from not allowing the use of partially enclosed designs (design internal pressure) as an alternative to providing wind-borne debris protection in the WBD area.

18 Legislative Items for the 2001 FBC Modified Modified ASCE-7 7 definition of exposure category

19 Exposure Category B Defined as urban and suburban areas, wooded areas, or other terrain with numerously closely spaced obstructions having the size of single- family dwellings or larger. ASCE definition modified. FBC deletes ASCE limit on use to areas for which Exposure B type terrain prevails in the upwind direction for the greater of 1500 feet or 10 times the building height. Code makes Exposure B the default exposure.

20 Exposure Category B PRCI

21 Exposure Category B PRCI

22 Exposure Category B PRCI

23 Exposure Category C ASCE definition: Open terrain with scattered obstructions having heights generally less than 30 feet. This category includes flat open country, grasslands, and shorelines in hurricane prone regions. Defined in Florida Statute: Except in the High Velocity Hurricane Zone, that area which lies within 1,500 feet of the coastal construction control line, or within 1,500 feet of the mean high tide line, whichever is less. On barrier islands, exposure category C shall be applicable in the coastal building zone set forth in s (5), Florida Statutes.

24 Exposure Category C PRCI

25 Exposure Category C PRCI

26 Legislative Items for the 2001 FBC Florida Florida Statute Requires insurance companies to offer Florida homeowners " "discounts, credits, or other rate differentials..." " for construction techniques that reduce damage and loss in windstorms. Florida insurance companies were required to submit filings by March 2003 that provide for these wind mitigation discounts. The insurance company filings will began taking effect during 2003.

27 Construction Techniques That Reduce Damage And Loss In Windstorms Opening Opening Protection Roof Roof Shape Roof Roof Deck Attachment Roof Roof To Wall Connection Roof Roof Covering Wind Rated per FBC Does not require re-nailing of roof deck Secondary Water Resistance

28 FBC 2004 Changes Adopted International Family of Building Codes (with Florida specific modifications) Adopting The Latest Version Of ASCE-7 7 on Nov. 1st Examining Wind-borne Debris Region In Panhandle Examining Exposure B And C With Respect To The ASCE-7 7 Definition Will Eliminate The Partially Enclosed Design Option/Alternative In The Wind-borne Debris Region When Florida Adopts the International Codes With This Provision Deleted

29 Questions?