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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: Training@GStephens.us

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

Training@GStephens.us1

• 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!!!

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