Wind Mitigation Inspection  

By Allen Catterton, Nick Gromicko, Rob London and Kenton Shepard

Wind mitigation is the implementation of certain building techniques in order to limit damage caused by intense wind.

A few facts about windstorms and wind insurance Citizens Insurance, one of the largest property insurers in Florida, requested a 45% rate increase for wind insurance. Other insurers took similar actions.

■ In Florida, the portion of a homeowner's premium covering wind damage can be up to 70% of the total, depending on location.

■ Wind mitigation benefits homeowners, private insurers, and all levels of government.

   INCENTIVES FOR WIND MITIGATION

■ In some states, homeowners can benefit from reduced insurance premiums. The Gulf Coast states, which are most prone to windstorm damage from hurricanes, have each considered mandating incentives to mitigate damage due to wind. Mississippi and Texas currently do not have such legislation, although Florida has been successful. Following Hurricane Andrew, Florida passed a law requiring insurance companies to offer their customers discounts and credits for existing building features and home improvements that reduce damage and loss from wind. In order to qualify for this discount, homes must undergo a certified home wind inspection. However, many Floridians do not know of this law.

 ■ Those with windstorm insurance can avoid a costly deductible. Deductibles for homes in hurricane-prone areas can exceed $20,000, meaning that mild to moderate wind damage might not be covered by insurance at all. If proper wind mitigation techniques have been used, these expenses can be avoided altogether.

■ Wind mitigation helps protect the home from damage. Even if a home is insured, it is always costly when a house is damaged, both for the homeowner and the insurer. Repairs can take months, especially during material shortages that follow massive destruction to entire communities, as was the case after Hurricane Katrina struck Louisiana.

■ Lenders in Florida require homeowners to carry windstorm insurance in order to be approved for a mortgage. Insurers may not provide windstorm insurance to homes that are vulnerable to wind damage.

 CHECKLIST FOR WIND MITIGATION TECHNIQUES

■ Garage doors:  These commonly fail during windstorms due to:inadequate door-track strength and mounting systems; andflimsy metal panels.  

The following features can protect a garage door from wind damage:

no windows;

■ the tracks for the door that have six to nine mounting brackets, or continuous mounting; ■ track brackets that are securely attached to the wall; and horizontal and/or vertical reinforcement on all panels.

opening protection: 

 Most newer homes have wind load resistant glass installed at all of the windows and any glass door panels, which are generally rated to winds up to 140 MPH. Don’t confuse wind load with impact resistance. In order to properly protect building openings it is necessary to install components such as shutters or fabric shield type materials. It is important to purchase and install components from a reputable company which has sufficient knowledge regarding the specifications of the protective coverings.  In order to be fully protected all systems should be impact  resistant coverings, impact resistant doors &/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 “Cyclic Pressure and Large Missile Impact”. Once an opening is created during a windstorm, the pressure within the house can rise high enough to cause the roof to fail in areas of low pressure. The picture to the right demonstrates how these areas of low pressure can form. 

■ roof covering: There are many kinds of roof covering materials, and some resist wind damage better than others. The most common roof covering materials in Florida are composition shingles and tiles. A key factor in roof covering performance is the type of shingles installed and the method of attachment of the roof covering material to the roof deck. Newer building codes require 8-D nails, not staples, be used to fasten these materials. At a minimum the covering should meet the 2001 Florida Building Code or the 1994 South Florida Building Code and have a Miami-Dade NOA or FBC 2001 Product Approval listing demonstrating compliance with ASTM D 3161 (enhanced for 110 MPH) OR ASTM D 7158 (F, G, or H), OR FBC TAS100-95, and TAS 107-97, OR FMRC 4470 and/or 4471 (for metal roofs).

■ roof shape:  "Roof shape" refers to the geometry of the roof, rather than the type of roof covering. The end-walls of gable roofs extend vertically to the sloping roofline. These gable end-walls, if not properly built or braced, have been known to fail outward due to the negative suctions on the wall. Additionally, field testing has shown that hip roofs receive up to 40% less pressure from wind than gable roofs. This is one reason that you see the great majority of new home construction with hip style roofs.

■ roof deck attachment:  According to insurance claim data, a house becomes a major loss once the roof deck fails, even partially. The most common roof deck types are plywood and OSB. The most important feature of the roof deck by far is the attachment to the framing compared to the deck's thickness. The following building techniques can help prevent wind damage:

■ roof-to-wall connections:  This connection is a critical safeguard that keeps the roof attached to the building and acts to transfer the uplift loads into the vertical walls. This connection is crucial to the performance of the building due to the large negative pressures acting on the roof. Proper installation is essential to connector performance.

■ roof coverings using shingles that meet the FBC requirements; roof decks that have been installed with large nails and close spacing; hurricane clips/straps that hold the roof structure to the walls; and protection of windows and glass doors with impact-resistant glazing or other protection systems.

■ secondary water resistance: This is a layer of protection that shields the home in the event that the roof covering fails. It will reduce leakage if the shingles are blown off. A secondary water barrier is relatively rare in homes. The two most common types are:

■ self-adhering modified bitumen underlayment, which is applied to the exterior of all joints; and

■ foam seal, which is sprayed onto the underside of the decking. 

In summary, wind mitigation is a strategy designed to limit the amount of wind damage inflicted on a structure. Various incentives are in place to motivate homeowners to implement these enhancements, and qualified inspectors can determine which improvements are necessary.