Do Kim & Associates, LLC Consulting Structural Engineers

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1 Do Kim & Associates, LLC Consulting Structural Engineers Mr. Steve Korducki President & CEO Sunshine State Insurance Co. 475 West Town Place, Suite 210 St. Augustine, FL June 10, 2011 RE: Review of Proposed Draft OIR-B Uniform Mitigation Verification Inspection Form Dear Mr. Korducki, As requested, we have reviewed the draft proposed by Office of Insurance Regulation along with industry comments on the proposed draft provided to us by Sunshine State Insurance Company (Sunshine State). Outlined below is our assessment on the proposed changes and industry comments based on our experience and how they would affect insurance companies, and in particular, potential impact on companies similar to Sunshine State Insurance Company. Proposed changes by OIR: Change in footnote: changes validity of report from up to five years to for five years. Requires inspections to be valid for five years. Possible interpretation would be that insurance companies must accept report if less than five years old. Would that prevent insurance companies from requiring new or re-inspections? (NEUTRAL) *This verification form is valid for up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. XXXX 01/11) Adopted by Rule 69O Changes how hip roofs and flat roofs are defined. The proposed hip roof definition would add additional uncertainty as to how inspectors would determine roofs as hip roofs without adding underwriting or risk benefits to Sunshine State. One issue is what is defined as a major wall? Based on our experience, the proposed definition would add hardship by allowing more roofs to be defined as hip roof versus non-hip roof. This would increase the credits given without any associated reduction in risk for windstorm damage. (AGAINST) 5. Roof Geometry: What is the roof shape(s)? (Porches or carports that are attached only to the fascia or wall of the host structure and not structurally connected to the main roof system are not considered in the roof geometry determination.) A. Hip Roof Hip roof and has no gable end that exceeds 50% of a major wall length. Hip roof with no other roof shapes greater than 10% of the total building perimeter. B. Non-Hip Roof Any other roof shape or combination of roof shapes including hip, gable, gambrel, mansard and other roof shapes not including flat roofs. C. Flat Roof Flat roof shape in which 90% of the total roof area has a slope of less than 2:12. Flat roof shape greater than 100 square feet or 10% of the entire roof, whichever is greater. P.O. Box Tampa, FL W. Spruce Street, Unit 1102 Tampa, FL dk@dokimengineering.net

2 Do Kim & Associates, LLC Consulting Structural Engineers Changes the qualification of licensed home inspector by requiring that they obtain additional training. (SUPPORT) Qualified Inspector I hold an active license as a: (check one) Home inspector licensed under Section , Florida Statutes who has completed the statutory number of hours of hurricane mitigation training approved by the Construction Licensing Board and completion of a proficiency exam. Changes the language for inspector liability from acts to misconduct of employees. We do not feel that this is a material change effecting Sunshine State. (NEUTRAL) An individual or entity who knowingly or through gross negligence provides a false or fraudulent mitigation verification form is subject to investigation by the Florida Division of Insurance Fraud and may be subject to administrative action by the appropriate licensing agency or to criminal prosecution. (Section (4)-(7), Florida Statutes) The Qualified Inspector who certifies this form shall be directly liable for the misconduct acts of employees as if the authorized mitigation inspector personally performed the inspection. Adds new statement that communicates to homeowner that insurer may request additional information on mitigation features for underwriting purposes. We feel that this statement would provide greater flexibility to Sunshine State in cases where additional information is needed to confirm or clarify credits. (SUPPORT) Note: for underwriting purposes, your insurer may ask additional questions regarding your mitigated feature/s. Proposed changes by Bill York, Darius Grimes, Otis Black and others: Proposed alternate language adds four new data fields for type of roof covering that does not enhance the knowledge gathered for product performance. Insurers already collect roof covering type by other means and this would only duplicate that information. The material change incorporated into Box A would first require that the roofing product have a Miami-Dade NOA or a 2001 FBC product approval. This would not on its face require that these products meet or exceed the requirements of the 2001 FBC. The language Chapter 15 attachment specifications of the 2001 or later Florida Building Code is vague and obtuse. This language is somewhat contradictory. Products that have product approvals or NOA have specific attachment requirements as part of those approvals and are not referenced or specified in Chapter 15 attachment specifications. The language for asphalt shingles solely requires that they comply with ASTM D3161, D7158, or TAS 100/107. This would add hardship to Sunshine State and insurers by eliminating approximately half of Florida where homes in wind speed zones less than 110 mph would not have been required by the 2001 FBC to install asphalt/composite roof shingles complying with ASTM D3161 (enhance for 110mph) or ASTM D7158 (F, G or H). Homes with asphalt shingles installed and permitted under the 2001 FBC in areas less than 110 mph (interior half of Florida) would not be provided with this credit even though it would have met the 2001 FBC. The proposed alternate language adds complexity and requires obtaining and processing duplicative information that is P.O. Box Tampa, FL W. Spruce Street, Unit 1102 Tampa, FL dk@dokimengineering.net

3 Do Kim & Associates, LLC Consulting Structural Engineers currently captured by insurers by other methods. The material change in Box A adds complexity without foreseen benefit in risk reduction. (AGAINST) 1. Predominant Roof Covering: Permit Application Date: (mm/yyyy) or Date of Installation: (mm/yyyy) A. At a minimum meets the 2001 Florida Building Code or the 1994 South Florida Building Code and has a Miami-Dade NOA or FBC 2001 Product Approval listing demonstrating compliance with ASTM D 3161 (enhanced for 110MPH) OR ASTM D 7158 (F, G or H), OR FBC TAS and TAS , OR FMRC 4470 and/or 4471 (for metal roofs). Alternate Language: B. Does not meet the above minimum requirements. C. Unknown or undetermined. A. At a minimum any roof covering(s) must have a Miami-Dade NOA or FBC 2001 material product approval and meet the Chapter 15 attachment specifications of the 2001 or later Florida Building Code or the 1994 South Florida Building Code. Asphalt shingles must demonstrate compliance with ASTM D 3161 (enhanced for 110MPH) OR ASTM D 7158 (F, G or H), OR FBC TAS and TAS B. For slate, clay, or concrete tile roof coverings, wood shake roofs, rolled roofing, membrane roof, or built up roofing. C. For metal roofs, has a Miami-Dade NOA or FBC Product Approval that is/was current at the time of installation. D. One or more covering does not meet the above minimum requirements. E. No roof covering meets the above minimum requirements. F. Does not meet the above minimum requirements. G. Unknown or undetermined. Proposed alternate language breaks down specifically that minimum of 3 nails shall be present on the strap side of the truss/rafter and that minimum of 1 nail shall be present on the backside of the strap. This would provide a minimum of 4 total nails. This language adds some clarification on the current language which also states that 3 nails must be used to secure the strap to the truss/rafter and 1 nail on the back side. (NEUTRAL) Alternate Language for C and D: C. Single Wraps Metal Straps must be secured to every rafter/truss with a minimum of 4 nails, 3 nails on one side wrapping over and secured to the opposite side of the rafter/truss with a minimum of 1 nail. The Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. D. Double Wraps Both Metal Straps must be secured to every rafter/truss with a minimum of 4 nails, 3 nails on one side wrapping over and secured to the opposite side of the rafter/truss with a minimum of 1 nail.. Each Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. Proposed alternate language tries to clarify language that are not also means do not qualify. We believe that the proposed language could have a negative implied admission that standard underlayment or hot mopped felts are SWR but insurers will not qualify them. This language is not as strong as the current language. (AGAINST) 8. Secondary Water Resistance (SWR): (standard underlayments or hot mopped felts do not qualify as an are not SWR) P.O. Box Tampa, FL W. Spruce Street, Unit 1102 Tampa, FL dk@dokimengineering.net

4 Do Kim & Associates, LLC Consulting Structural Engineers Discussion of issues from Al Jacobson, Inman Lanier and others: Highlighted language is current language in form. However, we recommend that during hearings on changes to the current form, insurers advocate changes to this note as suggested: Existing note on current form: NOTE: At least one photo documenting the existence of each visible and accessible construction or mitigation attribute marked in Sections 3 through 9 must accompany this form. Suggested note changes: NOTE: At least one photo documenting the existence of each visible and accessible construction or mitigation attribute marked in Sections 3 through 9 must accompany this form. Proposed changes by Jack Stumpff: Proposed changes to Opening Protection as submitted exempting garage doors from windborne debris impact resistance requirements would weaken the building envelop protection requirements. This would weaken requirements in Box A, B, and C under the Opening Protection to less than current Miami-Dade and Broward County requirements. This would have the effect of providing Hurricane Protection Level credits to homes that have Basic Protection Levels. This would basically remove higher performance levels for all exterior openings and make them equivalent to only Glazed Exterior Opening Protection (Basic Level). This would add hardship to Sunshine State by requiring the highest level of opening protection credits without the increased mitigation requirements under the current form. (AGAINST) 9. Opening Protection: What is the weakest form of wind borne debris protection installed on the structure? (Exterior openings include, but are not limited to: windows, doors, garage doors, skylights, etc. Product approval may be required for opening protection devices without proper rating identification.) A. All Exterior Openings (Glazed and Unglazed) All exterior openings, except garage doors, are fully protected at a minimum with impact resistant coverings, impact resistant doors and/or impact resistant window units that are listed as wind borne debris protection devices in the product approval system of the State of Florida or Miami-Dade County and meet the requirements of one of the following for Cyclic Pressure and Large Missile Impact. For the HVHZ, systems must have either a Miami-Dade NOA or FBC Approval marked For Use in the HVHZ. Miami-Dade County Notice of Acceptance (NOA) 201, 202 and 203. (Large Missile - 9 lb.) Florida Building Code Testing Application Standard (TAS) 201, 202 and 203. (Large Missile 9 lb.) American Society for Testing and Materials (ASTM) E 1886 and ASTM E (Large Missile 9 lb.) Southern Standards Technical Document (SSTD) 12. (Large Missile 9 lb.) For Skylights Only: ASTM E 1886/E (Large Missile lb.) For Garage Doors Only: ANSI/DASMA 115. (Large Missile 9 lb.) For Garage Doors Only: wind speed resistant (TAS 202 or ASTM E-330) but not impact resistant except in the HVHZ where impact-resistance is a building code requirement. P.O. Box Tampa, FL W. Spruce Street, Unit 1102 Tampa, FL dk@dokimengineering.net

5 Do Kim & Associates, LLC Consulting Structural Engineers B. All exterior openings, except garage doors, are fully protected at a minimum with impact resistant coverings, impact resistant doors and/or impact resistant window units that are listed as windborne debris protection devices in the product approval system of the State of Florida or Miami-Dade County and meet the requirements of one of the following for Cyclic Pressure and Large Missile Impact : ASTM E 1886 and ASTM E (Large Missile 4.5 lb.) SSTD 12. (Large Missile 4 lb. to 8 lb.) For Skylights Only: ASTM E 1886/E (Large Missile - 2 to 4.5 lb.) For Garage Doors Only: wind speed resistant (TAS 202 or ASTM E-330) but not impact resistant C. All exterior openings, except garage doors, are fully protected at a minimum with impact resistant coverings, impact resistant doors and/or impact resistant window units that are listed as windborne debris protection devices in the product approval system of the State of Florida or Miami-Dade County and meet the requirements of one of the following for Cyclic Pressure and Small Missile Impact : Miami-Dade County NOA 201, 202 and 203. (Small Missile 2grams) Florida Building Code TAS 201, 202 and 203. (Small Missile 2 grams) ASTM E 1886 and ASTM E (Small Missile 2 grams) SSTD 12. (Small Missile 2 grams) For Garage Doors Only: wind speed resistant (TAS 202 or ASTM E-330) but not impact resistant **** The comments and proposed changes submitted by Applied Research Associates, LLC (ARA) are on whole a significant re-write of the current form. The changes submitted by ARA are so dramatic and substantive from the current form that one would not be without basis by saying that it is a completely new form. The added complexity and underwriting work needed to process the ARA changes would be a significant hardship to Sunshine State and other insurers. A thorough analysis and assessment of ARA s changes should be conducted by the insurance industry to assess the benefit-cost to the insurers, homeowners, and industry professionals of the proposed changes. Thank you for allowing us to provide you our assessment of the comments to the OIR-B form. I look forward to continued discussions with you and your staff. Regards, Do Kim, P.E. (FL#49497) President Do Kim & Associates, LLC Attachments: ARA Comments, Industry Comments, Current OIR-B form. P.O. Box Tampa, FL W. Spruce Street, Unit 1102 Tampa, FL dk@dokimengineering.net

6 Uniform Mitigation Verification Inspection Form Maintain a copy of this form with the insurance policy Inspection Date: Owner Information Owner Name: Address: Contact Person: Home Phone: City: Zip: Work Phone: County: Cell Phone: Insurance Company: Policy #: Year of Home: # of Stories: 1. Building Code: What building code was used to design and build the structure? A South Florida Building Code (building permit application date of 9/1/1994 or later in Miami-Dade and Broward Counties (also known as the High Velocity Hurricane Zone (HVHZ)). B. Building code prior to the 1994 South Florida Building Code (building permit application date of 8/31/1994 or earlier in Miami-Dade and Broward Counties (HVHZ). C Florida Building Code (building permit application date of 3/1/2002 or later outside the HVHZ). D. Building code prior to the 2001 Florida Building Code (building permit application date of 2/28/2002 or earlier outside the HVHZ). E. Unknown or undetermined. 2. Predominant Roof Covering: Permit Application Date: or Date of Installation: A. At a minimum meets the 2001 Florida Building Code or the 1994 South Florida Building Code and has a Miami-Dade NOA or FBC 2001 Product Approval listing demonstrating compliance with ASTM D 3161 (enhanced for 110MPH) OR ASTM D 7158 (F, G or H), OR FBC TAS and TAS , OR FMRC 4470 and/or 4471 (for metal roofs). B. Does not meet the above minimum requirements. C. Unknown or undetermined. NOTE: At least one photo documenting the existence of each visible and accessible construction or mitigation attribute marked in Sections 3 through 9 must accompany this form. 3. Roof Deck Attachment: What is the weakest form of roof deck attachment? A. Plywood/Oriented strand board (OSB) roof sheathing attached to the roof truss/rafter (spaced a maximum of 24 o.c.) by staples or 6d nails spaced at 6 along the edge and 12 in the field. -OR- Batten decking supporting wood shakes or wood shingles.-or- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that has an equivalent mean uplift resistance of 55 psf. B. Plywood/OSB roof sheathing with a minimum thickness of 7/16 attached to the roof truss/rafter (spaced a maximum of 24 o.c.) by 8d common nails spaced 6 along the edge and 12 in the field.-or- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that has an equivalent mean uplift resistance of 103 psf. C. Plywood/OSB roof sheathing with a minimum thickness of 7/16 attached to the roof truss/rafter (spaced a maximum of 24 o.c.) by 8d common nails spaced 6 along the edge and 6 in the field. -OR- Dimensional lumber/tongue & Groove decking with a minimum of 2 nails per board. -OR- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that has an equivalent mean uplift resistance of 182 psf. D. Reinforced Concrete Roof Deck. E. Other: F. Unknown or unidentified. G. No attic access. *This verification form is valid up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. 02/10) Adopted by Rule 69O Page 1 of 4

7 4. Roof to Wall Attachment: What is the weakest roof to wall connection? A. Toe Nails Rafter/truss anchored to top plate of wall using nails driven at an angle through the rafter/truss and attached to the top plate of the wall. B. Clips Metal attachments on every rafter/truss that are nailed to one side (or both sides in the case of a diamond type clip) of the rafter/truss and attached to the top plate of the wall frame or embedded in the bond beam. C. Single Wraps Metal Straps must be secured to every rafter/truss with a minimum of 3 nails, wrapping over and securing to the opposite side of the rafter/truss with a minimum of 1 nail. The Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. D. Double Wraps Both Metal Straps must be secured to every rafter/truss with a minimum of 3 nails, wrapping over and securing to the opposite side of the rafter/truss with a minimum of 1 nail. Each Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. E. Structural Anchor bolts structurally connected or reinforced concrete roof. F. Other: G. Unknown or Unidentified H. No attic access 5. Roof Geometry: What is the roof shape(s)? (Porches or carports that are attached only to the fascia or wall of the host structure and not structurally connected to the main roof system are not considered in the roof geometry determination.) A. Hip Roof Hip roof with no other roof shapes greater than 10% of the total building perimeter. B. Non-Hip Roof Any other roof shape or combination of roof shapes including hip, gable, gambrel, mansard and other roof shapes not including flat roofs. C. Flat Roof Flat roof shape greater than 100 square feet or 10% of the entire roof, whichever is greater. 6. Gable End Bracing: For roof structures that contain gables, please check the weakest that apply: A. Gable End(s) are braced at a minimum in accordance with the 2001 Florida Building Code. B. Does not meet the above minimum requirements. C. Not applicable, unknown or unidentified. 7. Wall Construction Type: Check all wall construction types for exterior walls of the structure and percentages for each: A. Wood Frame % B. Un-Reinforced Masonry % C. Reinforced Masonry % D. Poured Concrete % E. Other: % 8. Secondary Water Resistance (SWR): (standard underlayments or hot mopped felts are not SWR) A. SWR Self adhering polymer modified bitumen roofing underlayment applied directly to the sheathing or foam adhesive SWR barrier (not foamed on insulation) applied as a secondary means to protect the dwelling from water intrusion. B. No SWR C. Unknown or undetermined. *This verification form is valid up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. 02/10) Adopted by Rule 69O Page 2 of 4

8 9. Opening Protection: What is the weakest form of wind borne debris protection installed on the structure? (Exterior openings include, but are not limited to: windows, doors, garage doors, skylights, etc. Product approval may be required for opening protection devices without proper rating identification.) A. All Exterior Openings (Glazed and Unglazed) All exterior openings are fully protected at a minimum with impact resistant coverings, impact resistant doors and/or impact resistant window units that are listed as wind borne debris protection devices in the product approval system of the State of Florida or Miami-Dade County and meet the requirements of one of the following for Cyclic Pressure and Large Missile Impact. For the HVHZ, systems must have either a Miami-Dade NOA or FBC Approval marked For Use in the HVHZ. Miami-Dade County Notice of Acceptance (NOA) 201, 202 and 203. (Large Missile - 9 lb.) Florida Building Code Testing Application Standard (TAS) 201, 202 and 203. (Large Missile 9 lb.) American Society for Testing and Materials (ASTM) E 1886 and ASTM E (Large Missile 9 lb.) Southern Standards Technical Document (SSTD) 12. (Large Missile 9 lb.) For Skylights Only: ASTM E 1886/E (Large Missile lb.) For Garage Doors Only: ANSI/DASMA 115. (Large Missile 9 lb.) B. All exterior openings are fully protected at a minimum with impact resistant coverings, impact resistant doors and/or impact resistant window units that are listed as windborne debris protection devices in the product approval system of the State of Florida or Miami-Dade County and meet the requirements of one of the following for Cyclic Pressure and Large Missile Impact : ASTM E 1886 and ASTM E (Large Missile 4.5 lb.) SSTD 12. (Large Missile 4 lb. to 8 lb.) For Skylights Only: ASTM E 1886/E (Large Missile - 2 to 4.5 lb.) C. All exterior openings are fully protected at a minimum with impact resistant coverings, impact resistant doors and/or impact resistant window units that are listed as windborne debris protection devices in the product approval system of the State of Florida or Miami-Dade County and meet the requirements of one of the following for Cyclic Pressure and Small Missile Impact : Miami-Dade County NOA 201, 202 and 203. (Small Missile 2grams) Florida Building Code TAS 201, 202 and 203. (Small Missile 2 grams) ASTM E 1886 and ASTM E (Small Missile 2 grams) SSTD 12. (Small Missile 2 grams) D. All exterior openings are fully protected with windborne debris protection devices that cannot be identified as Miami- Dade or Florida Building Code (FBC) product approved. This does not include plywood/osb or plywood alternatives (see Answer H ). All Glazed Exterior Openings E. All glazed exterior openings are fully protected at a minimum with impact resistant coverings and/or impact resistant window units that meet the requirements of one of the standards listed in Answer A of this question. (Large Missile 9 lb.) F. All glazed exterior openings are fully protected at a minimum with impact resistant coverings and/or impact resistant window units that meet the requirements of one of the standards listed in Answer B of this question. (Large Missile 2 lb. - 8 lb.) G. All glazed exterior openings are fully protected at a minimum with impact resistant coverings and/or impact resistant window units that meet the requirements of one of the standards listed in Answer C of this question. (Small Missile 2 grams) H. All glazed exterior openings are covered with plywood/osb meeting the requirements of Section 1609 and Table of the 2004 FBC (with 2006 supplements). I. All glazed exterior openings are fully protected with wind-borne debris protection devices that cannot be identified as Miami-Dade or FBC product approved. This does not include plywood/osb or other plywood alternatives that do not meet Answer H (see Answer K ). None or Some Glazed Openings J. At least one glazed exterior opening does not have wind-borne debris protection. K. No glazed exterior openings have wind-borne debris protection. This includes plywood/osb or plywood alternative systems that do not meet Answer H. L. Unknown or undetermined. *This verification form is valid up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. 02/10) Adopted by Rule 69O Page 3 of 4

9 MITIGATION INSPECTIONS MUST BE CERTIFIED BY A QUALIFIED INSPECTOR. Section (2), Florida Statutes, provides a listing of individuals who may sign this form. Qualified Inspector Name: License Type: License or Certificate #: Inspection Company: Phone: Qualified Inspector I hold an active license as a: (check one) Home inspector licensed under Section , Florida Statutes who has completed at least 3 hours of hurricane mitigation training and completion of a proficiency exam. Building code inspector certified under Section , Florida Statutes. General, building or residential contractor licensed under Section , Florida Statutes. Professional engineer licensed under Section , Florida Statutes. Professional architect licensed under Section , Florida Statutes. Any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete a uniform mitigation verification form pursuant to Section (2), Florida Statutes. Individuals other than licensed contractors licensed under Section , Florida Statutes, or professional engineer licensed under Section , Florida Statues, must inspect the structures personally and not through employees or other persons. Licensees under s or s may authorize a direct employee who possesses the requisite skill, knowledge, and experience to conduct a mitigation verification inspection. I, am a qualified inspector and I personally performed the inspection or (licensed (print name) contractors and professional engineers only) I had my employee ( ) perform the inspection (print name of inspector) and I agree to be responsible for his/her work. Qualified Inspector Signature: Date: An individual or entity who knowingly or through gross negligence provides a false or fraudulent mitigation verification form is subject to investigation by the Florida Division of Insurance Fraud and may be subject to administrative action by the appropriate licensing agency or to criminal prosecution. (Section (4)-(7), Florida Statutes) The Qualified Inspector who certifies this form shall be directly liable for the acts of employees as if the authorized mitigation inspector personally performed the inspection. Homeowner to complete: I certify that the named Qualified Inspector or his or her employee did perform an inspection of the residence identified on this form and that proof of identification was provided to me or my Authorized Representative. Signature: Date: An individual or entity who knowingly provides or utters a false or fraudulent mitigation verification form with the intent to obtain or receive a discount on an insurance premium to which the individual or entity is not entitled commits a misdemeanor of the first degree. (Section (7), Florida Statutes) The definitions on this form are for inspection purposes only and cannot be used to certify any product or construction feature as offering protection from hurricanes. *This verification form is valid up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. 02/10) Adopted by Rule 69O Page 4 of 4

10 Uniform Mitigation Verification Inspection Form Maintain a copy of this form with the insurance policy Inspection Date: Owner Information Owner Name: Address: Contact Person: Home Phone: City: Zip: Work Phone: County: Cell Phone: Insurance Company: Policy #: Year of Home: # of Stories: 1. Building Code: What building code was used to design and build the structure? A South Florida Building Code (building permit application date of 9/1/1994 or later in Miami-Dade and Broward Counties (also known as the High Velocity Hurricane Zone (HVHZ)). B. Building code prior to the 1994 South Florida Building Code (building permit application date of 8/31/1994 or earlier in Miami-Dade and Broward Counties (HVHZ). C Florida Building Code (building permit application date of 3/1/2002 or later outside the HVHZ). D. Building code prior to the 2001 Florida Building Code (building permit application date of 2/28/2002 or earlier outside the HVHZ). E. Unknown or undetermined. 2. Predominant Roof Covering: Permit Application Date: (mm/yyyy) or Date of Installation: (mm/yyyy) A. At a minimum meets the 2001 Florida Building Code or the 1994 South Florida Building Code and has a Miami-Dade NOA or FBC 2001 Product Approval listing demonstrating compliance with ASTM D 3161 (enhanced for 110MPH) OR ASTM D 7158 (F, G or H), OR FBC TAS and TAS , OR FMRC 4470 and/or 4471 (for metal roofs). B. Does not meet the above minimum requirements. C. Unknown or undetermined. Alternate Language: A. At a minimum any roof covering(s) must have a Miami-Dade NOA or FBC 2001 material product approval and meet the Chapter 15 attachment specifications of the 2001 or later Florida Building Code or the 1994 South Florida Building Code. Asphalt shingles must demonstrate compliance with ASTM D 3161 (enhanced for 110MPH) OR ASTM D 7158 (F, G or H), OR FBC TAS and TAS B. For slate, clay, or concrete tile roof coverings, wood shake roofs, rolled roofing, membrane roof, or built up roofing. C. For metal roofs, has a Miami-Dade NOA or FBC Product Approval that is/was current at the time of installation. D. One or more covering does not meet the above minimum requirements. E. No roof covering meets the above minimum requirements. F. Does not meet the above minimum requirements. G. Unknown or undetermined. *This verification form is valid for up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. XXXX 01/11) Adopted by Rule 69O Page 1 of 5

11 NOTE: At least one photo documenting the existence of each visible and accessible construction or mitigation attribute marked in Sections 3 through 9 must accompany this form. 3. Roof Deck Attachment: What is the weakest form of roof deck attachment? A. Plywood/Oriented strand board (OSB) roof sheathing attached to the roof truss/rafter (spaced a maximum of 24 o.c.) by staples or 6d nails spaced at 6 along the edge and 12 in the field. -OR- Batten decking supporting wood shakes or wood shingles.-or- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that has an equivalent mean uplift resistance of 55 psf. B. Plywood/OSB roof sheathing with a minimum thickness of 7/16 attached to the roof truss/rafter (spaced a maximum of 24 o.c.) by 8d common nails spaced 6 along the edge and 12 in the field.-or- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that has an equivalent mean uplift resistance of 103 psf. C. Plywood/OSB roof sheathing with a minimum thickness of 7/16 attached to the roof truss/rafter (spaced a maximum of 24 o.c.) by 8d common nails spaced 6 along the edge and 6 in the field. -OR- Dimensional lumber/tongue & Groove decking with a minimum of 2 nails per board. -OR- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that has an equivalent mean uplift resistance of 182 psf. D. Reinforced Concrete Roof Deck. E. Other: F. Unknown or unidentified. G. No attic access. 4. Roof to Wall Attachment: What is the weakest roof to wall connection? A. Toe Nails Rafter/truss anchored to top plate of wall using nails driven at an angle through the rafter/truss and attached to the top plate of the wall. B. Clips Metal attachments on every rafter/truss that are nailed to one side (or both sides in the case of a diamond type clip) of the rafter/truss and attached to the top plate of the wall frame or embedded in the bond beam. C. Single Wraps Metal Straps must be secured to every rafter/truss with a minimum of 3 nails, wrapping over and securing to the opposite side of the rafter/truss with a minimum of 1 nail. The Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. D. Double Wraps Both Metal Straps must be secured to every rafter/truss with a minimum of 3 nails, wrapping over and securing to the opposite side of the rafter/truss with a minimum of 1 nail. Each Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. E. Structural Anchor bolts structurally connected or reinforced concrete roof. F. Other: G. Unknown or Unidentified H. No attic access Alternate Language for C and D: C. Single Wraps Metal Straps must be secured to every rafter/truss with a minimum of 4 nails, 3 nails on one side wrapping over and secured to the opposite side of the rafter/truss with a minimum of 1 nail. The Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. D. Double Wraps Both Metal Straps must be secured to every rafter/truss with a minimum of 4 nails, 3 nails on one side wrapping over and secured to the opposite side of the rafter/truss with a minimum of 1 nail.. Each Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. 5. Roof Geometry: What is the roof shape(s)? (Porches or carports that are attached only to the fascia or wall of the host structure and not structurally connected to the main roof system are not considered in the roof geometry determination.) A. Hip Roof Hip roof and has no gable end that exceeds 50% of a major wall length. Hip roof with no other roof shapes greater than 10% of the total building perimeter. B. Non-Hip Roof Any other roof shape or combination of roof shapes including hip, gable, gambrel, mansard and other roof shapes not including flat roofs. C. Flat Roof Flat roof shape in which 90% of the total roof area has a slope of less than 2:12. Flat roof shape greater than 100 square feet or 10% of the entire roof, whichever is greater. *This verification form is valid for up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. XXXX 01/11) Adopted by Rule 69O Page 2 of 5

12 6. Gable End Bracing: For roof structures that contain gables, please check the weakest that apply: A. Gable End(s) are braced at a minimum in accordance with the 2001 Florida Building Code. B. Does not meet the above minimum requirements. C. Not applicable, unknown or unidentified. 7. Wall Construction Type: Check all wall construction types for exterior walls of the structure and percentages for each: A. Wood Frame % B. Un-Reinforced Masonry % C. Reinforced Masonry % D. Poured Concrete % E. Other: % 8. Secondary Water Resistance (SWR): (standard underlayments or hot mopped felts do not qualify as an are not SWR) A. SWR Self adhering polymer modified bitumen roofing underlayment applied directly to the sheathing or foam adhesive SWR barrier (not foamed on insulation) applied as a secondary means to protect the dwelling from water intrusion. B. No SWR C. Unknown or undetermined. 9. Opening Protection: What is the weakest form of wind borne debris protection installed on the structure? (Exterior openings include, but are not limited to: windows, doors, garage doors, skylights, etc. Product approval may be required for opening protection devices without proper rating identification.) A. All Exterior Openings (Glazed and Unglazed) All exterior openings, except garage doors, are fully protected at a minimum with impact resistant coverings, impact resistant doors and/or impact resistant window units that are listed as wind borne debris protection devices in the product approval system of the State of Florida or Miami-Dade County and meet the requirements of one of the following for Cyclic Pressure and Large Missile Impact. For the HVHZ, systems must have either a Miami-Dade NOA or FBC Approval marked For Use in the HVHZ. Miami-Dade County Notice of Acceptance (NOA) 201, 202 and 203. (Large Missile - 9 lb.) Florida Building Code Testing Application Standard (TAS) 201, 202 and 203. (Large Missile 9 lb.) American Society for Testing and Materials (ASTM) E 1886 and ASTM E (Large Missile 9 lb.) Southern Standards Technical Document (SSTD) 12. (Large Missile 9 lb.) For Skylights Only: ASTM E 1886/E (Large Missile lb.) For Garage Doors Only: ANSI/DASMA 115. (Large Missile 9 lb.) For Garage Doors Only: wind speed resistant (TAS 202 or ASTM E-330) but not impact resistant except in the HVHZ where impact-resistance is a building code requirement. B. All exterior openings, except garage doors, are fully protected at a minimum with impact resistant coverings, impact resistant doors and/or impact resistant window units that are listed as windborne debris protection devices in the product approval system of the State of Florida or Miami-Dade County and meet the requirements of one of the following for Cyclic Pressure and Large Missile Impact : ASTM E 1886 and ASTM E (Large Missile 4.5 lb.) SSTD 12. (Large Missile 4 lb. to 8 lb.) For Skylights Only: ASTM E 1886/E (Large Missile - 2 to 4.5 lb.) For Garage Doors Only: wind speed resistant (TAS 202 or ASTM E-330) but not impact resistant C. All exterior openings, except garage doors, are fully protected at a minimum with impact resistant coverings, impact resistant doors and/or impact resistant window units that are listed as windborne debris protection devices in the product approval system of the State of Florida or Miami-Dade County and meet the requirements of one of the following for Cyclic Pressure and Small Missile Impact : Miami-Dade County NOA 201, 202 and 203. (Small Missile 2grams) Florida Building Code TAS 201, 202 and 203. (Small Missile 2 grams) ASTM E 1886 and ASTM E (Small Missile 2 grams) *This verification form is valid for up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. XXXX 01/11) Adopted by Rule 69O Page 3 of 5

13 SSTD 12. (Small Missile 2 grams) For Garage Doors Only: wind speed resistant (TAS 202 or ASTM E-330) but not impact resistant D. All exterior openings are fully protected with windborne debris protection devices that cannot be identified as Miami- Dade or Florida Building Code (FBC) product approved. This does not include plywood/osb or plywood alternatives (see Answer H ). All Glazed Exterior Openings E. All glazed exterior openings are fully protected at a minimum with impact resistant coverings and/or impact resistant window units that meet the requirements of one of the standards listed in Answer A of this question. (Large Missile 9 lb.) F. All glazed exterior openings are fully protected at a minimum with impact resistant coverings and/or impact resistant window units that meet the requirements of one of the standards listed in Answer B of this question. (Large Missile 2 lb. - 8 lb.) G. All glazed exterior openings are fully protected at a minimum with impact resistant coverings and/or impact resistant window units that meet the requirements of one of the standards listed in Answer C of this question. (Small Missile 2 grams) H. All glazed exterior openings are covered with plywood/osb meeting the requirements of Section 1609 and Table of the 2004 FBC (with 2006 supplements). I. All glazed exterior openings are fully protected with wind-borne debris protection devices that cannot be identified as Miami-Dade or FBC product approved. This does not include plywood/osb or other plywood alternatives that do not meet Answer H (see Answer K ). None or Some Glazed Openings J. At least one glazed exterior opening does not have wind-borne debris protection. K. No glazed exterior openings have wind-borne debris protection. This includes plywood/osb or plywood alternative systems that do not meet Answer H. L. Unknown or undetermined. MITIGATION INSPECTIONS MUST BE CERTIFIED BY A QUALIFIED INSPECTOR. Section (2), Florida Statutes, provides a listing of individuals who may sign this form. Qualified Inspector Name: License Type: License or Certificate #: Inspection Company: Phone: Qualified Inspector I hold an active license as a: (check one) Home inspector licensed under Section , Florida Statutes who has completed the statutory number of hours of hurricane mitigation training approved by the Construction Licensing Board and completion of a proficiency exam. Building code inspector certified under Section , Florida Statutes. General, building or residential contractor licensed under Section , Florida Statutes. Professional engineer licensed under Section , Florida Statutes. Professional architect licensed under Section , Florida Statutes. Any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete a uniform mitigation verification form pursuant to Section (2), Florida Statutes. *This verification form is valid for up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. XXXX 01/11) Adopted by Rule 69O Page 4 of 5

14 Individuals other than licensed contractors licensed under Section , Florida Statutes, or professional engineer licensed under Section , Florida Statues, must inspect the structures personally and not through employees or other persons. Licensees under s or s may authorize a direct employee who possesses the requisite skill, knowledge, and experience to conduct a mitigation verification inspection. I, am a qualified inspector and I personally performed the inspection or (licensed (print name) contractors and professional engineers only) I had my employee ( ) perform the inspection (print name of inspector) and I agree to be responsible for his/her work. Qualified Inspector Signature: Date: An individual or entity who knowingly or through gross negligence provides a false or fraudulent mitigation verification form is subject to investigation by the Florida Division of Insurance Fraud and may be subject to administrative action by the appropriate licensing agency or to criminal prosecution. (Section (4)-(7), Florida Statutes) The Qualified Inspector who certifies this form shall be directly liable for the misconduct acts of employees as if the authorized mitigation inspector personally performed the inspection. Homeowner to complete: I certify that the named Qualified Inspector or his or her employee did perform an inspection of the residence identified on this form and that proof of identification was provided to me or my Authorized Representative. Signature: Date: An individual or entity who knowingly provides or utters a false or fraudulent mitigation verification form with the intent to obtain or receive a discount on an insurance premium to which the individual or entity is not entitled commits a misdemeanor of the first degree. (Section (7), Florida Statutes) The definitions on this form are for inspection purposes only and cannot be used to certify any product or construction feature as offering protection from hurricanes. Note: for underwriting purposes, your insurer may ask additional questions regarding your mitigated feature/s. Red Changes proposed by Bill York, Darius Grimes, Otis Black and others Orange Changes proposed by Jack Stumpff Blue OIR changes Maroon discussion of issues.al Jacobson, Inman Lanier and others *This verification form is valid for up to five (5) years provided no material changes have been made to the structure. OIR-B (Rev. XXXX 01/11) Adopted by Rule 69O Page 5 of 5

15 Inspection Date: Owner Information Owner Name: Address: Uniform Mitigation Verification Inspection Form Maintain a copy of this form with the insurance policy Contact Person: Home Phone: City: Zip: Work Phone: County: Cell Phone: Insurance Company: Policy #: Year of Home: # of Stories: 1. Original Building Permit Application Date or Year of Construction: Was the structure built to the Florida Building Code? A. Building permit application data (MM/DD/YYYY): / / or Not available B. Year built (YYYY): or Not available or Not required if permit application date is known Source of year built: B.1. Tax records B.2. Insurer B.3. Other: 2. Predominant Roof Covering: A. Roof Cover Permit Application Date (MM/DD/YYYY): / / or Not available B. Year of Installation (YYYY): or Not available or Not required if permit application date is known C. Roof Cover Type: C.1. Tile (clay or concrete) C.4. Built-up C.2. Shingle C.5. Membrane C.3. Metal C.6. Other: NOTE: At least one photo documenting the existence of each visible and accessible construction or mitigation attribute marked in Sections 3 through 9 must accompany this form. 3. Roof Deck Attachment: What is the weakest form of roof deck attachment? A/B/C. Plywood/Oriented strand board (OSB) roof sheathing attached to the roof trusses or rafters. 3.1 Truss/rafter spacing: inches on center 3.2 Fastener type: Smooth shank nails Twist shank nails Adhesive or closed cell foam Ring shank nails Staples Screws Other: 3.3 Nominal roof sheathing thickness: inches (nearest 1/8 ) 3.4 Nail or screw length: inches (nearest 1/8 ; including deck thickness) 3.5 Nail or screw field counts in 48 length Field Location 1: Field Location 2: 3.6 Missed or side splitting nails or screws in 48 length Field Location 1: Field Location 2: Final classification: A (neither B nor C) B 6/12 or better) C 6/6 or better) D. Reinforced Concrete Roof Deck. E. Other: F. Unknown or unidentified. G. No attic access. Deleted: Draft Proposed Near-Term Changes for OIR Review Applied Research Associates, F. Lavelle, 5/27/11 Comment [f1]: High Velocity Hurricane Zone (HVHZ) = Miami-Dade or Broward County Comment [f2]: Purpose of this question is to determine whether to use the Existing or New credits table. Permit application date is required to qualify for New construction credits if year built is 2002 or Comment [f3]: Part C has been added because the 2008 ARA study and at least some approved filings differentiate credits between tile and non-tile roofs. FBC Equivalent roof cover credit is allowed for SFBC permitted roofs (Permit Dates: 9/1/94-2/28/02) in Miami- Dade and Broward counties. Comment [f4]: Use this information along with lookup tables to assign Deck A, B, or C Deleted: up to *This verification form is valid for five (5) years provided no material changes have been made to the structure. OIR-B (Rev. 02/10) Adopted by Rule 69O Page 1 of 5

16 4. Roof to Wall Attachment: What is the weakest roof to wall connection? A. Toe Nails Rafter/truss anchored to top plate of wall using nails driven at an angle through the rafter/truss and attached to the top plate of the wall. B. Clips Metal attachments on every rafter/truss that are nailed to one side (or both sides in the case of a diamond type clip) of the rafter/truss and attached to the top plate of the wall frame or embedded in the bond beam. C. Single Wraps Metal Straps must be secured to every rafter/truss with a minimum of 2 nails on the front side, wrapping over and securing to the opposite side of the rafter/truss with a minimum of 1 nail. The Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. D. Double Wraps Both Metal Straps must be secured to every rafter/truss with a minimum of 2 nails on the front side, wrapping over and securing to the opposite side of the rafter/truss with a minimum of 1 nail. Each Strap must be attached to the top plate of the wall frame or embedded in the bond beam in at least one place. E. Structural Anchor bolts structurally connected or reinforced concrete roof. F. Other: G. Unknown or Unidentified H. No attic access 5. Roof Geometry: What is the roof shape(s)? (Porches or carports that are attached only to the fascia or wall of the host structure and not structurally connected to the main roof system are not considered in the roof geometry determination.) A. Hip Roof Hip roof and has no gable end that exceeds 50 % of a major wall length. Total length of non-hip features: feet; Total main roof system perimeter: feet B. Non-Hip Roof Any other roof shape or combination of roof shapes including gable, flat, gambrel, mansard, and other roof shapes. 6. Secondary Water Resistance (SWR): (standard underlayments or hot mopped felts are not SWR) A. SWR Self adhering polymer modified bitumen roofing underlayment applied directly to the sheathing or foam adhesive SWR barrier (not foamed on insulation) applied as a secondary means to protect the dwelling from water intrusion. B. No SWR C. Unknown or undetermined. Comment [f5]: Testing conducted by Simpson showed that 2+1 configuration is sufficient to produce resistance levels assumed in 2002 study. Comment [f6]: In wood frame construction, the more common configuration would be a single strap that attaches to the wall on either side of the rafter or truss and wraps over the top of the truss or rafter. In this configuration at least 3 fasteners loaded in shear are needed to transfer the loads at each end of the strap, but those fasteners are on the outside of the wall frame and will generally not be visible from inside the attic. Comment [f7]: Removed Flat Roof. Not used in OIR-B Need to create a separate form fo r residential buildings with five or more units. Formatted: Indent: Left: 1.75", Bulleted + Level: 1 + Aligned at: 0.25" + Tab after: 0" + Indent at: 0.5" Comment [f8]: Need to provide guidance on identification and measurement of non-hip features. Deleted: Hip roof with no other roof shapes greater than 10% of the total main roof system perimeter. Formatted: Font: 10 pt, Font color: Black Formatted: Underline Comment [f9]: Deleted. Not used in OIR-B Comment [f10]: Deleted. Not used in OIR-B Comment [f11]: No changes Deleted: <#>Gable End Bracing: For roof structures that contain gables, please check the weakest that apply: <#>A. Gable End(s) are braced at a minimum in accordance with the 2001 Florida Building Code. <#>B. Does not meet the above minimum requirements. <#>C. Not applicable, unknown or unidentified. <#>Wall Construction Type: Check all wall construction types for exterior walls of the structure and percentages for each: <#>A. Wood Frame % <#>B. Un-Reinforced Masonry % <#>C. Reinforced Masonry % <#>D. Poured Concrete % <#>E. Other: % Deleted: up to *This verification form is valid for five (5) years provided no material changes have been made to the structure. OIR-B (Rev. 02/10) Adopted by Rule 69O Page 2 of 5