Home Insurance Triple-I Weblog | FEMA Highlights Roleof Fashionable Roofsin PreventingHurricane Harm

Triple-I Weblog | FEMA Highlights Roleof Fashionable Roofsin PreventingHurricane Harm

Triple-I Weblog | FEMA Highlights Roleof Fashionable Roofsin PreventingHurricane Harm


By Max Dorfman, Analysis Author, Triple-I

Properties with extra trendy roofs have been capable of keep away from important injury from Hurricane Ian, in contrast with these with older roofs, in response to a current research by the Federal Emergency Administration Company (FEMA).

Of the 200 houses surveyed, 90 p.c with roofs put in earlier than 2015 had roof injury, versus 28 p.c for these put in after 2015, when Florida imposed new ordinances concerning how roofs are hooked up to homes and the way waterproof they have to be. Certainly, when Hurricane Ian made landfall at Cayo Costa, a barrier island in Lee County, Fla., on Sept. 28, 2022, it broken 52,514 houses and different buildings within the space, inflicting an estimated $55 billion in insured losses in 2024 {dollars}.

A few of this injury, in response to the info, might have been mitigated by up to date roofs.

Historical past tells the identical story

After the devastation of Hurricane Andrew in 1992, Florida took the initiative to develop progressive plans to forestall hurricane injury. These adjustments additional got here into impact in 2002, with a brand new give attention to roofing. Nonetheless, there have been inconsistencies within the high quality of the roofing.

“The Nineteen Seventies-era houses carried out higher than a few of the post-2002 new constructing code houses due to the sealed roof deck,” Leslie Chapman-Henderson, president of the Federal Alliance for Secure Properties, instructed The Miami Herald. “It was a nominal price (to strengthen the roof) and a easy factor to do, but it surely made an enormous distinction.”

Now, with a renewed give attention to steel sheet roofs—which bear the brunt of storms extra resiliently than asphalt shingle roofs—FEMA’s information might drastically change the best way during which houses are constructed, and the way insurers are responding to fraudulent claims.

Insurance coverage scams set progress again

Insurers are compelled to boost the worth of protection in hurricane-prone areas in Florida due to a rash of schemes to intentionally injury roofs to qualify them for insurance coverage claims, a persisting pattern.

“Fraud drives insurance coverage charges up and harms all Florida policyholders,” Residents Property Insurance coverage CEO Tim Cerio stated. Nonetheless, implementing the adjustments steered by the FEMA research might assist alleviate a few of the considerations posed by insurers—and assist householders.

“If you’re a house and evaluating its potential to outlive a hurricane, the well being of the roof is the primary query to ask,” stated Chapman-Henderson. “It not solely will increase your efficiency within the hurricane itself, however within the present setting it will probably assist prevent cash in your insurance coverage.”

Study Extra:

Lawsuits Threaten to Swell Hurricane Ian’s Pricetag

Triple-I Points Transient: Hurricanes



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