Residential Wind Only Classification Plan

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Citizens Property Insurance Corporation

Residential Wind Only Classification Plan


November 11, 2002


Presented by:

Tony Loughman

Director of Underwriting and Agent Administration



Citizens Property Insurance Corporation

Residential Wind Only Classification Plan


November 11, 2002


Presentation Agenda


1
.

Introductions


2
.

Uniform

Building

Code

Stipulations

Requirements

(credit

vs
..

debit)

Premium

Credit

Stipulations

Effective

Date

3
.

FWUA

Current

Residential

Classification

Plan




Rating

and

Definitions

Base

Class

home

Construction

Housing

Features

Mitigation

Features



Citizens Property Insurance Corporation

Residential Wind Only Classification Plan


November 11, 2002



Presentation Agenda


4
.

Data

Collection

and

Verification




Inspections

and

Affidavits

-

Proof

of

Compliance

Documents



Windstorm

Protective

Device

Affidavit


Mitigation

Verification

Affidavit


Roofing

Verification

Affidavit


Mobile

Home

Tie

Down


Survey

Cards


ARA

Surveys


Other

Surveys


Mitigation

Survey



Citizens Property Insurance Corporation

Residential Wind Only Classification Plan


November 11, 2002


Presentation Agenda


5
.


Enhancements

to

Current

FWUA

Classification

Plan



Floor

to

Foundation

Attachments



Skylights


Roof

Sheathing

Nailing

Pattern


6
.

Commercial
-
Residential

Classification

Plan

DCA

(ARA)

Study

Status



7
.

Concluding

Remarks




Uniform Building Code


Florida Statute 627.0629 reads in part:


“A rate filing for residential property insurance
must include actuarially reasonable discounts,
credits, or other rate differentials, or
appropriate reductions in deductibles, for
properties on which fixtures or construction
techniques demonstrated to reduce the amount
of loss in a windstorm have been installed or
implemented.”

»
Continued

Uniform Building Code


Florida Statute 627.0629 continues with:


“the fixtures or construction techniques
demonstrated to reduce the amount of loss
in a windstorm shall include but not be
limited to fixtures or construction
techniques which enhance roof strength,
roof covering performance, roof to wall
strength, wall to floor to foundation
strength, opening protection, and window,
door, and skylight strength. ”

»
Continued

Uniform Building Code


Florida Statute 627.0629 continues to read in part:


“Credits, discounts, or other rate differentials for
fixtures and construction techniques which meet the
minimum requirements of the Florida Building Code
must be included in the rate filing. All insurance
companies must make a rate filing which includes
the credits, discounts, or other rate differentials by
February 28, 2003.”

Wind Classification Plan

Residential Occupancy Only



1
-
4 Family Owner Occupied


1
-
2 Family Tenant Occupied


Individual Townhouse Owner


Condo Unit Owner in 1
-
4 Unit Building


Renters Contents in a 1
-
4 Unit
Building


Not Available for Condo Unit Owner in a 5 or More Unit Building.

Data Collection and
Verification

Proof of Compliance

Inspections and
Affidavits



Windstorm Protective Device



Mitigation Verification Affidavit



Roofing Verification Affidavit



Mobile tie Down Verification Survey

Data Collection and
Verification

Inspections and Affidavits

-

More Data
Collection



Survey Cards



ARA Surveys



Other Surveys




Mitigation Survey

FWUA TERMS

Residential Base Class:


An

unmitigated,

one

story,

frame,

gable

roof

home

with

a

double

garage

door

or

open

carport,

attached

open

porch

and

exterior

sliding

glass

door
.

FWUA TERMS

Residential Construction

Classifications




FRAME


MASONRY


REINFORCED MASONRY



Residential Construction
Classifications



FRAME


Exterior

walls

of

wood

or

other

combustible

materials

including

combinations

with

other

materials

such

as

brick

or

stone

veneer

and

stucco

or

wood
.

Wood

frame

is

relied

upon

for

structural

stability
.


Residential Construction
Classification


MASONRY




Exterior

walls

of

non
-
reinforced

masonry

materials

such

as

adobe,

brick,

concrete

block,

stone,

fill

or

other

materials

and

are

relied

upon

for

structured

stability
.

Residential Construction
Classification



REINFORCED MASONRY



Exterior

walls

of

masonry

materials

that

are

reinforced

with

both

vertical

and

horizontal

steel

reinforced

and

relied

upon

for

structural

stability
.

Vertical

reinforcement

shall

be

fully

grouted

in

the

cells

of

hollow

masonry

units

and

horizontal

reinforcement

shall

be

fully

grouted

in

specially

formed

(Bond

Beam)

units

designed

for

that

purpose

or

poured

concrete

tie

beams
.

Tilt
-
up

or

poured

concrete

wall

units

shall

be

reinforced

both

vertically

and

horizontally

with

reinforcing

steel
.



Predominant Construction


Mixed Construction:

if at least 33
1/3
%

then use
highest rate.



FRAME


MASONRY


REINFORCED MASONRY

FWUA TERMS

FWUA TERMS

Residential Building Features


Two Story

-

any dwelling with more than one story

Housing features

FWUA TERMS


Residential Building Features



Two Story

-

a dwelling shall be
considered a two story if it is a story in
part (e.g., split level) or where the first
livable floor having enclosed walls is
elevated at least
8

feet above the highest
grade immediately below the first livable
floor and the structure is supported in
frame, steel or masonry piles braced and
connected to a perimeter tie beam at the
first livable enclosed floor level.

FWUA TERMS


Roof Types



HIP




Residential Building Features

FWUA TERMS

Residential Building Features








GABLE

FWUA TERMS



FLAT
-

horizontal roof with a pitch
of less than 10 degrees

Residential Building Features

FWUA TERMS

Residential Building Features



ROOF COVERINGS




SHINGLES


TILE


SLATE


REINFORCED CONCRETE


FWUA TERMS



Reinforced

Concrete



A

“”
roof

deck

designed

and

constructed

in

accordance

with

the

provisions

of

ACI

(American

Concrete

Institute)

318
.

The

roof

deck

shall

be

monolithic

and

constructed

integrally

with

the

wall

system

and

meets

wind

load

requirements

of

the

local

building

code
.


Residential Building Features

Predominant Roof Type/
Covering


Roof types in combination with a gable end
that exceeds 50% of the width of the exterior
wall will be classified as a gable roof.


Do not consider the roof type of entrance
ways, porches or decorative non
-
structural
gables.

FWUA TERMS

100 feet


51 feet

(Greater than 50%)

Illustration of How A Hip Roof
Can Be Rated Gable End


FWUA TERMS


Residential Building Features




SLIDING GLASS DOORS
-

door
surface is glass and operating on a
track system

with access to a porch,
patio, balcony or to exterior of the
dwelling.


FWUA TERMS


Residential Building Features




Attached Garage Doors



Single Wide
-

on a garage attached to
the dwelling which is unbraced and
wide enough for only one car

ONE CAR GARAGE


TWO CAR GARAGE


FWUA TERMS


Residential Building Features




Carports/ Porches

-

structure where the
roof is attached to or an
extension of regular
roof

with: one side open, one side of its walls
is covered with screen, fabric, lattice, slats, or
other porous material.



Note:

Does not include any structure
attached to home with a roof covering of
screen (e.g. pool enclosure).

FWUA TERMS

NOT CONSIDERED

Residential Building Features



CARPORT


PORCH


Secondary Water Resistance

Residential Loss Mitigation


Secondary Water Resistance


A self adhering polymer modified
bitumen roofing underlayment (thin
rubber or asphalt sheets with peel and
stick underside located beneath the
roof covering) or a foamed
polyurethane sheathing adhesive that
is applied to seal all joints in the
sheathing to protect from interior
water intrusion.

Residential Loss Mitigation



Sheathing Attachment



Superior*


Standard







*Must be verified by survey

Residential Loss Mitigation

Superior Sheathing



Roof sheathing with a minimum
thickness of 1/2” attached to roof
trusses/rafters by 8d nails or greater
(e.g. 10d nails or #8 screws) which
are properly spaced.



OR


A AFG
-
01 structural adhesive, that is
continuously applies, per the
manufacturer’s instructions, on both
sides of the truss/rafter.

Residential Loss Mitigation


Roof Straps or Hurricane Clips



Residential Loss Mitigation


Roof Straps or Hurricane Clips



Metal clips/straps connecting each


roof rafter/truss to the side walls.



Residential Loss Mitigation

Residential Loss

Mitigation

Gable Braced

Gable Braced



A

gable

roof

where

the

trusses

(or

the

wall

portion

that

extends

above

the

gable

end

wall)

are

strengthened

by

properly

securing

(via

nails,

or

clips/straps)

the

bottom

chord

of

the

truss

to

the

top

of

the

end

wall

and

bracing

the

bottom

chord

to

the

adjacent

trusses

to

prevent

the

wind

from

pushing

or

pulling

the

gable

end

where

the

gable

truss

is

connected

along

the

gable

wall
.



Residential Loss Mitigation

Residential Loss Mitigation



Devices which are not required to be


verified by survey are devices and


features
that can be verified by

photos.


Examples include:



Hip Roof


Unbraced Gable Roof


Unreinforced Masonry Walls



Residential Loss Mitigation



Devices which
are required

to be


verified
by survey:



Secondary Water Resistance


Superior Sheathing Attachment


Roof Straps


Gable Braced Roof


Reinforced Masonry Walls


Reinforced Concrete Roof

Residential Loss Mitigation


Verification Forms



Loss Mitigation Survey (LMS
-
1)


MIT
-
1 or MIT
-
2


WPD
-
1R and WPD
-
1C


*Any expense incurred is the insured’s
responsibility.

Shuttering

Hurricane

Ordinary




Residential Loss Mitigation

Proof of Compliance

Wind Protective Device

Wind Protective Device


CLASS “A” CREDIT

Hurricane

Wind Pressure

-

Meet minimum
wind pressure standards of
American Society of Civil Engineers
7
-
88, as adopted by Dade Co. in
September 1994.

Debris Impact

-

Meet minimum
debris impact standards adopted by
Dade Co. in September 1994.

Wind Protective Device

Ordinary

Wind Pressure

-

Meet minimum
wind pressure standards of
American Society of Civil Engineers
7
-
88, as adopted by Dade Co. in
September 1994.

Wind Protective Device

Hurricane Criteria

ALTERNATIVES:


Garage and/or exterior doors meet
Hurricane Criteria.


Window, wall, or roof openings are


covered by permanently installed glazing

materials that meets Hurricane Criteria.

PHOTOGRAPHS



All Residential Applications must be
accompanied by a photo of the FRONT &
BACK of each risk to be insured.



One photo to show the full front and one side
and the other photo to show the full rear and
other side.