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Presented by:
G. STEPHENS & ASSOCIATES, INC.
Glenn Stephens, President/Inspector/Instructor
CRC1327314 – 08/06/2004 (DBPR/CILB)
CCC1329969 – 05/25/2012 (DBPR/CILB)
HI418 – 10/13/2010 (DBPR)
RPI0856 – 07/20/2016 (FABI)
CMI16080827 – 08/08/2016 (NACHI)
Mem261873 – 09/14/2016 (ASHI)
HURRICANE & WIND MITIGATION
METHODOLOGIES
Cell: (941) 914-1204
Email: [email protected]
www.GStephens.usDBPR Provider #0007273
CILB Course #:0612256
HI Course #:0001119
• Florida Statutes 627.711
• Understanding the history of the OIR-1802
• Determining location of the HVHZ
• FBC 1st Edition (2001) vs SFBC-94
• Researching the property
• Filling out the 1802• Determining the roof deck attachments
• Finding the roof-to-wall attachments• Upgrades to the RTW
• Calculating roof geometry
• SWR vs SWB
• Wind rated vs impact rated
Course Objectives
• Florida has had 480+ recorded tropical/subtropical cyclones
• 1900-1949 108 storms
• 1950-1974 85 storms
• 1975-1999 83 storms
• 1992 Hurricane Andrew struck Homestead
• 65 fatalities
• 100,000+ homes were severely damaged or destroyed
• Currently the 2nd costliest storm in US history ($26 billion)
• Totals are not out yet for
• Hurricane Harvey (08/25/2017)
• Hurricane Irma (09/10/2017
• Although they are projected to be the most costly
• 10,000+ deaths
• Approximately $115 billion in damage
The Need for Wind Mitigations
• For homes built prior to FBC2001 or SFBC94: is it
possible for them to have enhanced features that
would minimize wind damage?
• Yes
• How can it be proven?
• Get an inspection
• How does the state convince home owners to get an inspection?
• Offer a discount off their insurance coverage if they have specific features
• How does the state convince insurance carriers to offer the
discount?
• Make it a Florida Statute
The Need for Wind Mitigations
• 627.711(2)(a)• An insurer shall accept as valid a uniform mitigation verification
form signed by the following authorized mitigation inspectors:1. A home inspector licensed under s. 468.8314 who has completed at least
3 hours of hurricane mitigation training approved by the Construction Industry Licensing Board which includes hurricane mitigation techniques and compliance with the uniform mitigation verification form and completion of a proficiency exam;
2. A building code inspector certified under s. 468.607;
3. A general, building, or residential contractor licensed under s. 489.111;
4. A professional engineer licensed under s. 471.015;
5. A professional architect licensed under s. 481.213; or
6. Any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete a uniform mitigation verification form.
Florida Statutes
• 627.711(3)• A person who is authorized to sign a mitigation verification form
must inspect the structures referenced by the form personally, not through employees or other persons, and must certify or attest to personal inspection of the structures referenced by the form. However, licensees under s. 471.015 (Professional Engineer) or s. 489.111 (Division I Contractor) may authorize a direct employee, who is not an independent contractor, and who possesses the requisite skill, knowledge and experience, to conduct a mitigation verification inspection. Insurers shall have the right to request and obtain information from the authorized mitigation inspector under s. 471.015 or s. 489.111, regarding any authorized employee’s qualifications prior to accepting a mitigation verification form performed by an employee that is not licensed under s. 471.015 or s. 489.111.
Florida Statutes
• OIR - Office of Insurance Regulation
• Two-page form
• OIR-B1-1804 (New 2007)
• Effective 07/01/2008 – 04/20/2010
• Did not require signatures or photos
Uniform Mitigation Verification Form
• Four-page form• OIR-B1-1802 (Rev. 02/10)
• Effective 04/21/2010 –01/31/2012
• This inspection form requests a signed statement by the licensed professional who performed the inspection as well as the homeowner’s signature.
• In addition, photo documentation is required for sections 3 through 9 on the form.
Uniformed Mitigation Verification Form
• Four-page form• OIR-B1-1802 (Rev. 01/12)
• Effective 02/01/2012 – Present
• This revised inspection form was approved by the Financial Services Commission (FSC) on December 6, 2011.
• This form has gone through several workshops where all concerned parties could provide input about the form.
• All mitigation inspectors must use this form and the insurers must accept it after the effective date provided by the OIR.
Uniformed Mitigation Verification Form
• WBDR – Wind-Borne Debris Region• Land located in wind zones of
140mph or greater
• Land located in the 130mph wind zone and within 1 mile of the coast line
• HVHZ – High Velocity Hurricane Zone• Miami-Dade & Broward Counties
only
Wind Zone Map Risk Category II
HVAZ
• Early 1900’s Southern Building Code Congress International – SBC Standard Building
Code
• Covered the Southeast United States
• Managed by local building officials
• Loosely followed in residential construction
• 1994 ICC – International Code Council formed
• 1994 SFBC – South Florida Building Code
• An enhancement of SBC & the ICC
• Effective 09/01/1994
• Miami-Dade & Broward Counties were the only adopters of this code
• 1998 Florida Building Code – is the SBC ’97 that also included multiple specialty codes.
• Remained as a loosely followed code throughout the state
History of Building Codes in Florida
• 2001 Florida Building Code
• Effective 03/01/2002 state-wide
• With delayed adoption by counties in the panhandle until 2004
• 2014 FBC 5th Edition is the current code for Florida
• 2017 FBC 6th Edition is coming on Dec. 31, 2017
History of Building Codes in Florida
• Go to the county property appraiser’s website
• Look up the address
• Locate the Year Built Date
• Note: This is the Certificate of Occupancy (CO) Date
• Locate the Sketch/Building Layout
• Locate the Authority Having Jurisdiction (AHJ) or the local building official
• Unincorporated
• Municipality
Researching the Property
Sarasota County Property Appraiser
Sample Property
3987 Origami Ln
Sarasota County Property Appraiser
• Municipality: Sarasota County
Sample Property
Sarasota County Property Appraiser
• Municipality: Sarasota County
• Year Built: 2003
Sample Property
Sarasota County Property Appraiser
• Municipality: Sarasota County
• Year Built: 2003
• Building Sketch: a link
Sample Property
Sarasota County Property Appraiser
• Municipality: Sarasota County
• Year Built: 2003
• Building Sketch: a link
• Building Footprint
Sample Property
• Go to AHJ’s Website• Look up the address
• Identify the necessary permits• Building Permit – Application Date
• Garage Door Permit
• Door or Window Permits
• Florida Product Approvals (FBA)
• https://www.floridabuilding.org/pr/pr_app_srch.aspx
• Miami-Dade County Approved (MDCA) Notice of Acceptance (NOA)
• http://www.miamidade.gov/building/pc-search_app.asp
• Storm Shutter Permit
• Roof Permit
Do Your Research
Sarasota County Building Dept.
• Municipality: Sarasota County
• PAO Year Built: 2003
• Building Sketch: a link
• Building Footprint
• Permit Search
• Enter Address
Sample Property
Sarasota County Building Dept.
• Municipality: Sarasota County
• PAO Year Built: 2003
• Building Sketch: a link
• Building Footprint
• Permit Search
• Enter Address
• Building Permit
Sample Property
Sarasota County Building Dept.
• Municipality: Sarasota County
• PAO Year Built: 2003
• Building Sketch: a link
• Building Footprint
• Permit Search
• Enter Address
• Building Permit
• Application Date: Oct. 11, 2002
Sample Property
Sarasota County Building Dept.
• Municipality: Sarasota County
• PAO Year Built: 2003
• Building Sketch: a link
• Building Footprint
• Permit Search
• Enter Address
• Building Permit
• Application Date: Oct. 11, 2002
• Building Code: FBC 2001
Sample Property
What do we know about this property?
• It was built under FBC 2001
• Has a permit application date of 10/11/2002
• Has a certificate of occupancy year built date of 2003
Sample Property
Filling Out the
OIR-B1-1802
06/01/2017
GLENN STEPHENS Mr. G. STEPHENS
3987 ORIGAMI LN
SARASOTA 34235SARASOTA
(941) 914-1204
• Which year do we use?
• Property Appraiser Year Built – 2003
• Building Department Application Date – 2002
• I am of the philosophy of always using the
Application Date when it is available.
2002
OIR-B1-1802(Rev. 01/12)
• Any documentation means
• Permits
• Florida Product Approvals (FL-PA) or Notice of Acceptances (NOA)
• Owner-provided invoices or documentation
• Photographs for question 3-7 must be
• Clear
• In color
• Minimize underwriter questions by properly documenting the report
• Remember every question requires a photograph, documentation, or both
• Make it so an 18-year-old college intern with no construction or inspection experience can
understand what you are inspecting
Question 1 – Building Code
• Our sample property
• Located in Sarasota County (Outside the HVHZ)
• Building Permit Application Date of 10/11/2002
• And we know from the permit it was permitted under FBC-2001
• For question #1 we populate answer A
× 200210 11 2002
Question 1 – Building Code
• What if our sample property
• Was located in Homestead?
• This is inside the HVHZ
• Had a Building Permit Application Date of 10/11/1996?
• For question #1 we populate answer B
× 199610 11 1996
Question 1 – Building Code
• What if our sample property
• Was located in Lakeland?
• Had a Building Permit Application Date of 02/28/2002?
• We would answer C
×
Question 1 – Building Code
• What if our sample property
• Was located in Destin (in the Panhandle)?
• Had a Building Permit Application Date of 10/11/2002?
• We would have to verify with the local AHJ
• If the property was not documented as FBC 2001
• We would have to answer C
• If it was permitted using FBC-2001
• We could populate answer A
×
× 200210 11 2002
Question 2 – Roof Covering
• Follows the same rules as question 1 above.
Question 2 – Roof Covering
• This is where any and all supporting documentation needs to be collected.
• Permits
• Roofing invoices
• Roofing contracts
Question 2 – Roof Covering
• Check any and all roofing types that are on the building being inspected.
Question 2 – Roof Covering
• Add the application date for each material selected.
Question 2 – Roof Covering
• If you have access to any packaging or documentation add the product approval
number if it is listed.
Question 2 – Roof Covering
• If you are unable to locate the permit, but the owner has a paid invoice, add the
year of the invoice and get a copy/photo of that invoice.
Question 2 – Roof Covering
• If you are unable to locate any documentation then you have to check the “No
Information” box.
Torch Down Mod-Bitumen
Application Date 05/20/2008
Dimensional Shingles
Application Date 05/03/2017
Question 2 – Roof Covering
Question 2 – Roof Covering
X 05 03 2017
X 05 20 2008
X
Question 2 – Roof Covering
X 02 28 2002
X 05 20 2008
X
Question 2 – Roof Covering
X 02 28 2010
X X
X
Question 2 – Roof Covering
X X
X
Question 3 – Roof Deck Attachment
• What is the purpose of having a properly attached roof deck?
• Provides a solid foundation to attached roofing material
• Prevents the roof from exploding during a wind event
Question 3 – Roof Deck Attachment
• Camera w/Flash• To document you findings
• Flash Light• To see what you are doing
• Zircon• To identify nail spacing/length
• A Thin Ruler• To measure deck thickness
• A Tape/Rule• To measure nail spacing/length
• A Marker• To mark nail locations
What Tools Do I Need to Verify?
Nail Sizing
Nail Spacing – 12” on Center
Any Spacing >6”
E
D
G
E
FIELD
Nail Spacing – 6” on Center
E
D
G
E
FIELD
Question 3 – Roof Deck Attachment
Question 3 – Roof Deck Attachment
• Staples and 6d nails were installed on homes built in the 80’s
• Just because you see them does not mean the deck has not
been re-nailed
Question 3 – Roof Deck Attachment
• 8d nails spaced at 12” in the field were installed on homes
built in the 90’s
Question 3 – Roof Deck Attachment
• 8d nails spaced at 6” in the field were installed on homes
built under FBC 2001 and
• On re-roofs after FBC 2007
• Verifying the RDA
• Know the type of roof deck
• Dimensional lumber
• 1x12 – requires a minimum of two (2) nails per board
Question 3 – Roof Deck Attachment
• Verifying the RDA
• Know the type of roof deck
• Dimensional lumber
• 1x12 – requires a minimum of two (2) nails per board
• Typically ¾” in depth
Question 3 – Roof Deck Attachment
• Verifying the RDA
• Know the type of roof deck
• Dimensional lumber
• 1x12 – requires a minimum of two (2) nails per board
• Typically ¾” in depth
• Tongue & groove lumber
• 1x6 – two (2) nails typical
• Pay attention to nails at the joints, as these are not completely holding the deck
• Nails should be located in the middle of each board
Question 3 – Roof Deck Attachment
• Verifying the RDA
• Know the type of roof deck
• OSB
• Oriented strand board
• 4x8 sheets
• Typically 7/16” thick (½”)
Question 3 – Roof Deck Attachment
• Verifying the RDA• Know the type of roof deck
• OSB• Oriented strand board
• 4x8 sheets
• Typically 7/16” thick (½”)
• Plywood• 4x8 sheets
• 3/8” installed late ’70s – ‘80s
• 7/16” thick (½”) more common and required by FBC and the OIR
• ¾” not unheard of for tile roofs
Question 3 – Roof Deck Attachment
• How to verify the edge or the
field of the plywood deck
• Check at least four (4)
trusses/rafters in a row
• Look for consistency of the
rings of the wood from each
side of truss
• If there is a ridge vent, run
your finger above the truss and
feel for the edge of the plywood
Question 3 – Roof Deck Attachment
Photos are required for this section
Question 3 – Roof Deck Attachment
Question 3 – Roof Deck Attachment
D. Concrete decks
• multi-story and high-risk areas
E. Other:
• Metal roof decks, batten with plywood over, or batten with shakes
F. Unknown or unidentified
• Foil radiant barrier, open-cell spray foam, limited attic access
• When there is attic access but it is not accessible
• Document why
• “Access in closet with personal items blocking access.”
Question 3 (F) - Unknown
• When there is attic access but it is not accessible
• Document why
• “Access in closet too narrow with ladder in place.”
Question 3 (F) - Unknown
• When there is attic access but the view is blocked.
• Document why
• “Foil Radiant Barrier prevents access to trusses and roof deck.”
Question 3 (F) - Unknown
• When there is attic access but the roof deck is covered in Spray Foam.
• Know the difference between
• Open-Cell
• Often Cream Colored
• Spongy / Easy to Penetrate
• Provides NO Wind Mit Credits
Question 3 (F) - Unknown
• When there is attic access but the roof deck is covered in spray foam
• Know the difference between
• Closed-cell
• Often tinted purple or green
• Can be cream colored
• Rough/hard to the touch
• 182psf roof deck attachment
• Secondary water resistance
Question 3 (F) - Unknown(C) 182psf
Question 3 – Roof Deck Attachment
D. Concrete decks
• multi-story and high-risk areas
E. Other:
• Metal roof decks, batten with plywood over, or batten with shakes
F. Unknown or unidentified.
• Foil radiant barrier, open-cell spray foam, limited attic access
G. No attic access
• Vaulted ceilings, flat roofs
• Use ONLY when it is verified that there is NO ACCESS
• Document the ceilings
• Look in closets
• Utility rooms
Question 3 (G) – No Attic Access
Question 4 – Roof to Wall Attachment
• What is the purpose of the roof to wall attachment?
• To keep the trusses or rafters in place
• Prevent the roof from flying off during a wind event
Question 4 – Roof to Wall Attachment
• A camera with a good zoom.
• My personal favorite
• A GoPro with a light option
• Paint roller
• 12’ extension pole
• 24’ extension pole
Tools to Verify
Question 4 – Roof to Wall Attachment
X
X
Question 4 – Roof to Wall Attachment
X
X
Question 4 – Roof to Wall Attachment
X
X
Question 4 – Roof to Wall Attachment
X
X
Question 4 – Roof to Wall Attachment
X
X
Question 4 – Roof to Wall Attachment
X
X
What is Wrong?
Question 4 – Roof to Wall Attachment
X
X
Question 4 – Roof to Wall Attachment
XX
• Both boxes must be checked to meet the
criteria for categories B, C, or D.
• It is recommended that at least 3
trusses/rafters or 3 walls are used to verify
the connections.
Question 4 – Roof to Wall AttachmentX
X
Question 4 – Roof to Wall AttachmentX
X
Question 4 – Roof to Wall AttachmentX
X
Question 4 – Roof to Wall Attachment
Question 4 – Roof to Wall AttachmentX
X
Question 4 – Roof to Wall AttachmentX
X
Sanibel Straps
Question 4 – Roof to Wall Attachment
• How about these?
• Do they count as double or single wraps?
Question 4 – Roof to Wall Attachment
• How about these?
• Do they count as double or single wraps? SINGLE WRAPS
Question 4 – Roof to Wall Attachment
AfterBefore
RTW Retrofits by
Roofing Contractors
• Re-roofing affidavits
• Homes with a property appraiser value of $300,000 or more are required to be evaluated by a licensed professional.• NOTE: Building Inspectors licensed under FS 468 (468.601-468.633) does not include Home Inspectors
(468.468-468.8325)
RTW Retrofits Requiring a
Division I Contractor/Architect/Engineer
FBC 2014 – Existing Building
SECTION 708REROOFING
708.8.1 Roof-to-wall connections for site-built single-
family residential structures.
Where required by Section 708.8, the intersection of roof
framing with the wall below shall provide sufficient resistance
to meet the uplift loads specified in Table 708.8.1, either
because of existing conditions or through retrofit measures.
As an alternative to an engineered design, the prescriptive
retrofit solutions provided in
Sections 708.8.1.1 through 708.8.1.7 shall be accepted as
meeting the mandated roof-to-wall retrofit requirements.
Exceptions:
1. Where it can be demonstrated (by code adoption date
documentation and permit issuance date) that roof-to-wall
connections and/or roof-to-foundation continuous load path
requirements were required at the time of original
construction.
2. Roof-to-wall connections shall not be required unless
evaluation and installation of connections at gable ends or all
corners can be completed for 15 percent of the cost of roof
replacement.
RTW Retrofit
• If the cost of retrofitting the corners and/or gable-ends is 15% or greater of the re-roof cost, then the property is exempt from the required retrofit.
• Corners = outside corners of 3 trusses or 6’, whichever is greater.
RTW Retrofit53’
68’
RTW RetrofitTABLE 708.8.1
REQUIRED UPLIFT CAPACITIES FOR ROOF-TO-WALL CONNECTIONS a, b(POUNDS PER LINEAR FOOT)ULTIMATE
DESIGN
WIND
SPEED, Vult
ROOF SPAN (feet)
OVERHANGS12 20 24 28 32 36 40
Within 6 feet of
building corner
85 -69.85 -116.42 -139.70 -162.99 -186.27 -209.55 -232.84 -27
90 -82.67 -137.78 -165.34 -192.90 -220.45 -248.01 -275.57 -30.3
100 -110.51 -184.18 -221.01 -257.85 -294.68 -331.52 -368.36 -37.4
110 -141.27 -235.45 -282.55 -329.64 -376.73 -423.82 -470.91 -45.3
120 -174.97 -291.62 -349.94 -408.26 -466.59 -524.91 -583.23 -53.9
130 -211.60 -352.66 -423.19 -493.72 -564.26 -634.79 -705.32 -63.2
140 -251.15 -418.59 -502.31 -586.02 -669.74 -753.46 -837.18 -73.3
150 -293.64 -489.40 -587.28 -685.16 -783.04 -880.92 -978.80 -84.2
170 -387.40 -645.67 -774.81 -903.94 -1033.08 -1162.21 -1291.35 -108
Greater than 6
feet from building
corner
85 -39.10 -65.17 -78.20 -91.24 -104.27 -117.30 -130.34 -27
90 -48.20 -80.33 -96.39 -112.46 -128.52 -144.59 -160.66 -30.3
100 -67.95 -113.24 -135.89 -158.54 -181.19 -203.84 -226.49 -37.4
110 -89.78 -149.63 -179.55 -209.48 -239.40 -269.33 -299.25 -45.3
120 -113.68 -189.47 -227.37 -265.26 -303.16 -341.05 -378.94 -53.9
130 -139.67 -232.78 -279.34 -325.90 -372.45 -419.01 -465.57 -63.2
140 -167.74 -279.56 -335.47 -391.38 -447.29 -503.21 -559.12 -73.3
150 -197.88 -329.80 -395.76 -461.72 -527.68 -593.64 -659.60 -84.2
170 -264.41 -440.68 -528.81 -616.95 -705.08 -793.22 -881.35 -108
For SI: 1 foot = 304.8 mm; 1 pound per linear foot = 1.488 kg/m; 1 mile per hour = 0.305 m/s.
a. The uplift loads are pounds per lineal foot of building length. For roof uplift connections multiply by 1.33 for framing spaced 16-inches on center and multiply by 2 for framing spaced 24-
inches on center.
b. The uplift loads do not account for the effects of overhangs. The magnitude of the above loads shall be increased by adding the overhang loads found in the table. The overhang loads are
also based on framing spaced 12-inches on center. The overhang loads given shall be multiplied by the overhang projection and added to the roof uplift value in the table.
c. For Ultimate design wind speeds, Vult, greater than 170 mph, wind uplift forces shall be determined in accordance with Florida Building Code, Residential, Section R802.2 or ASCE 7.
d. Ultimate Design Wind Speeds determined from Figure 1609A in the Florida Building Code, Building or Figure R301.2(4) in the Florida Building Code, Residential.
RTW Retrofits
RTW Retrofits
Question 5 – Roof Geometry
Determining Geometry
Determining Geometry
Determining Geometry
Determining Geometry
Is It Structurally Attached?
NO – Attached directly to the fascia
Is It Structurally Attached?
NO – Attached directly to the wall
Is It Structurally Attached?
YES – Attached directly to the wall and
is part of the interior envelope of the
structure.
Is It Structurally Attached?
Is It Structurally Attached?
YES – Because detachment from the
main roof would expose the home to
damage.
So what do we know about this property?
• It was built under FBC 2001
• Has an application date of 10/11/02
• Has a year built date of 2003
• Has a building perimeter of 242’
• How do we know this?
Sample Property
Scenario #1
• Has a building perimeter of 242’
• How do we know this?
• Remember the Building Sketch?
Sample Property
Scenario #1
• Has a building perimeter of 242’
• How do we know this?
• Remember the Building Sketch?
• 23+
Sample Property
Scenario #1
• Has a building perimeter of 242’
• How do we know this?
• Remember the Building Sketch?
• 23+37+
Sample Property
Scenario #1
• Has a building perimeter of 242’
• How do we know this?
• Remember the Building Sketch?
• 23+37+8+
Sample Property
Scenario #1
• Has a building perimeter of 242’
• How do we know this?
• Remember the Building Sketch?
• 23+37+8+40+
Sample Property
Scenario #1
• Has a building perimeter of 242’
• How do we know this?
• Remember the Building Sketch?
• 23+37+8+40+13
Sample Property
Scenario #1
• Has a building perimeter of 242’
• How do we know this?
• Remember the Building Sketch?
• 23+37+8+40+13 = 121’
Sample Property
Scenario #1
• Has a building perimeter of 242’
• How do we know this?
• Remember the Building Sketch?
• 23+37+8+40+13 = 121’
• 121 x 2 = 242’
Sample Property
Front ElevationFloor Plan
Sample Property
• Front & rear of home are easy to determine
• How do you determine left or right of the home?
• Do you look at the front and follow the house counter-clockwise
• Do you stand in the front door looking out and follow the house clockwise
• Both are correct as long as you are consistent.
Sample Property
FRONT
REAR
R
I
G
H
T
R
I
G
H
T
• Mostly hip
• Dutch (Gable) end
• Measures 16’
Front Elevation
• All hip
Right Elevation
(Clockwise)
• All hip
Rear/Back
Elevation
• All hip
Left Elevation
(Clockwise)
Scenario #1
• Has a building perimeter of 242’
• 16’ Dutch (Gable) end
• 16 ÷ 242 = 0.066 ≈ 7% non-hip
• 7% < 10% = hip roof
• A – hip
Sample Property
16’
Dutch (Gable) End
Question 5 – Roof Geometry
X16 242
Scenario #2
• Same building perimeter of 242’
• 23’ Gable end
• 23 ÷ 242 = 0.095 ≈ 9.5% non-hip
• 9.5% < 10% = hip roof
• A – hip roof
Sample Property
23’
Gable End
Scenario #2a
• Same building perimeter of 242’
• 25’ Gable end
• 25 ÷ 242 = 0.103 ≈ 10.3% non-hip
• 10.3% > 10% = Other
• However we can adjust our numbers using the overhang.
• A 16” overhang will add 10’ 8” to the overall perimeter.
• 16” x 2 = 2’ 8” per 4 outside corners
• 4 corners = 10’ 8”
• 242 + 10’ = 252’
• 25’ ÷ 252’ = 0.099 ≈ 9.9% hip
• Use this method when you are super close in percentages.
Sample Property
25’
Gable End
Question 5 – Roof Geometry
X23 242
Scenario #3
• Same building perimeter of 242’
• 23’ Gable end
• 48’ Flat roof edges
• 23’ + 48’ = 71’ of non-hip features
• 71’ ÷ 242 = 0.293 ≈ 29% non-hip
• 29% > 10% = non-hip
• C – other roof
Sample Property
23’
Gable End
48’
Flat Roof Edges
Question 5 – Roof Geometry
X
71 242
Scenario #4
• Same building perimeter of 242’
• 242’ Flat roof edges
• 242’ ÷ 242 = 1.0 ≈ 100% non-hip
• Do we select the flat roof option?
• NO
• Flat roofs are only for buildings with 5 or MORE units.
• Such as condos
• We mark C. OTHER ROOF
Sample Property
Question 5 – Roof Geometry
X
242 242
• Single family homes can ONLY be
• Hip roof – up to 10%
• Other roof – 10% or greater
• Required photos are of ALL elevations
• Two minimum
• Each showing at least two full sides
Question 5 –
Roof Geometry
• Although not required, an aerial photo can prove helpful while being reviewed by the underwriters.
• Google Maps/Earth
Question 5 –
Roof Geometry
• Although not required, an aerial photo can prove helpful while being reviewed by the underwriters.
• Google Maps/Earth
• Bing Maps
Question 5 –
Roof Geometry
• Although not required, an aerial photo can prove helpful while being reviewed by the underwriters.
• Google Maps/Earth
• Bing Maps
• Local geographic information system (GIS) maps.
• Usually via the property appraiser’s office
Question 5 –
Roof Geometry
• Also, include the roof sketch as additional documentation.
Question 5 –
Roof Geometry
16’
Dutch (Gable) End
Total Roof Perimeter = 242’
Dutch (Gable) End = 16’ (7%)
Hip Roof Edges = 226’ (93%)
Question 6 – Secondary Water
Resistance (SWR)
• Secondary Water Resistance (SWR) vs Secondary Water Barrier (SWB)
• Secondary Water Resistance (SWR) is a self-adhered product to the roof deck
• Most common is known as Peel-n-Stick
• This is a rubberized membrane that sticks directly to the top side of
the roof deck
X
Question 6 – Secondary Water
Resistance (SWR)
Question 6 – Secondary Water
Resistance (SWR)
Question 6 – Secondary Water
Resistance (SWR)
• Secondary Water Resistance (SWR) vs Secondary Water Barrier (SWB)
• Secondary Water Resistance (SWR) is a self adhered product to the roof deck
• Most common is known as Peel-n-Stick
• This is a rubberized membrane that sticks directly to the top side of
the roof deck
• Closed-cell polyurethane spray foam applied to the underside of the roof
deck
X
Question 6 – Secondary Water
Resistance (SWR)
Question 6 – Secondary Water
Resistance (SWR)
• Secondary Water Resistance (SWR) vs Secondary Water Barrier (SWB)
• Secondary Water Resistance (SWR) is a self adhered product to the roof deck
• Most common is known as Peal-n-Stick
• This is a rubberized membrane that sticks directly to the top side of
the roof deck
• Closed-cell polyurethane spray foam applied to the underside of the roof
deck
• Secondary Water Barrier (SWB) is any underlayment that requires another
means to attach it to the roof deck
• Felt underlayment requires it to be mechanically fastened
• Hot-mopped felts require hot tar and are considered a “Built-up Roof
System” due to the multiple layers
X
• Felt underlayment mechanically fastened is NOT SWR
• It is a Secondary Water Barrier (SWB)
Question 6 –
Secondary Water
Resistance (SWR)
• SWR over ISO insulation is NOTSWR
• It is a Secondary Water Barrier (SWB)
Question 6 –
Secondary Water
Resistance (SWR)
• SWR UNDER ISO insulation is SWR
Question 6 –
Secondary Water
Resistance (SWR)
• SWR requires multiple sources of verification
• Photos showing it being installed is the best form of verification
Question 6 –
Secondary Water
Resistance (SWR)
• SWR requires multiple sources of verification
• Photos from the underside of the deck
• Reflective = SWR
Question 6 –
Secondary Water
Resistance (SWR)
• SWR requires multiple sources of verification
• Photos from the underside of the deck
• Flat/Matte ≠ SWR
Question 6 –
Secondary Water
Resistance (SWR)
• SWR requires multiple sources of verification
• Permit Description
Question 6 –
Secondary Water
Resistance (SWR)
• SWR requires multiple sources of verification
• Contract stating SWR
Question 6 –
Secondary Water
Resistance (SWR)
• SWR requires multiple sources of verification
• Paid invoice stating SWR
Question 6 –
Secondary Water
Resistance (SWR)
Question 7 – Opening Protection
Question 7 – Opening Protection
Question 7 – Opening Protection
Question 7 – Opening Protection
Question 7 – Opening Protection
Question 7 (A.1) – Opening Protection
Question 7 (A.2) – Opening Protection
Question 7 (A.3) – Opening Protection
Miami-Dade Notice of Acceptance (NOA or MDCA)
• http://www.miamidade.gov/building/pc-search_app.asp
• https://www.floridabuilding.org/pr/pr_app_srch.aspx
Florida Product Approval (FL-PA)
Verification of Impact Ratings
Miami-Dade Notice of Acceptance (NOA or MDCA)
Sun-Tek Skylight - Curb Mounted
Florida Product Approval (FL-PA)
Product Approval Verification
Rating LabelsAcid Etching on Glass
Product Approval Verification
Ratings LabelGlazed Garage Door
Product Approval Verification
Stamped MetalMetal Storm Panels
Product Approval Verification
Ratings Label – EtchingLexan Storm Panels (Type 1)
Product Approval Verification
Ratings LabelLexan Storm Panels (Type 2)
Product Approval Verification
Door LabelsLexan over Glazed Portion of
Door?
Product Approval Verification
Ratings LabelStorm Fabric Panels
Product Approval Verification
Ratings LabelAccordion Shutters
Product Approval Verification
Ratings LabelRoll-Down Shutters
Product Approval Verification
Ratings DocumentationColonial Shutters
Product Approval Verification
Ratings DocumentationAwning Shutters
Product Approval Verification
Question 7 (B.1) – Opening Protection
Question 7 (B.2) – Opening Protection
Question 7 (B.3) – Opening Protection
Question 7 (C.1-3) – Opening Protection
2007 FBC – Building
Question 7 (N.1-3) – Opening Protection
Verification of PanelsOther Protective Coverings
Product Approval Verification
Question 7 (X) – Opening Protection
• Required Photos:
• At minimum 1 photo of each type of opening
• There should be enough panels to cover all openings
• Storm panels must be on-site at time of inspection
• Any labels and/or etchings for impact rated products
• Required Documentation:
• Any permits
• Any invoices
• Any product approvals
Question 7
Opening Protection
• Enter the inspector’s name:
• Your name
• Your employee’s name
• Remember, if your employee performs the inspection, you must be a Division I Contractor or an Engineer
Signature Page
Glenn E. Stephens
• Enter the inspector’s license type:
• CBC, CRC, CGC, HI, etc.
Signature Page
Glenn E. Stephens CRC & HI
• Enter the inspector’s license #:
• CRC##### or HI#####
Signature Page
Glenn E. Stephens CRC & HI CRC1327317 & HI418
• Enter your company’s name:
Signature Page
Glenn E. Stephens CRC & HI CRC1327317 & HI418
G. Stephens & Associates, Inc.
• Enter your company’s phone number:
Signature Page
Glenn E. Stephens CRC & HI CRC1327317 & HI418
G. Stephens & Associates, Inc. (941) 941-1204
• Mark the highest license you hold
Signature Page
X
• You are required fill in and sign this section.
• Once signed, this form becomes a LEGAL document, and you could be subject to criminal prosecution if it is determined you falsely completed this document.
Signature Page
• Have the homeowner or their representative sign the form before you leave the property.
• If someone is unavailable to sign or the individual refuses to sign, it has to be signed before the insurance carrier will accept the report.
Signature Page
• Make sure you have initialed
• And entered the property address on all four pages
Signature Page
GES 3987 Origami Ln, Sarasota, FL 34235
• Mailing or emailing the report
• Photos must be in color & clear
• You must have signed the report
• The client must have signed the report
• A PDF document
• No larger than 5mb
• You may forward the report directly to the insurance agent providing the client has given you permission in writing.
Final Report
Thank You!!!