WIND INSURANCE MITIGATION INCENTIVES $$$ Spencer Rogers
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1 WIND INSURANCE MITIGATION INCENTIVES $$$ Spencer Rogers North Carolina Sea Grant UNC-Wilmington Center for Marine Science NCSU Dept. of Civil Engineering
2 WIND INSURANCE MITIGATION INCENTIVES $$$ PRACTICE: Ask your insurance agent.
3 WIND INSURANCE MITIGATION INCENTIVES $$$ PREMIUM DISCOUNTS (All companies) ROOFING UPGRADE INCENTIVES (NCJUA/NCIUA policies only)
4 WHO WILL QUALIFY?
5 OPTIONS TO QUALIFY for PREMIUM DISCOUNTS 1. NC Dept. of INSURANCE 2. Institute for Business and Home Safety (IBHS) FORTIFIED HOMES PROGRAM
6 NC Dept of Insurance Credits Full HIP ROOF OPENING PROTECTION Windows, Doors & other glass (Certified shutters or impact glass) or BOTH
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8 NC DOI: HOW I QUALIFY? Provide your agent: ROOF PHOTOS WINDOWS: CONTRACTOR INSTALLATION CERTIFICATION & PRODUCT TEST DOCUMENTION
9 NC DOI: HOW MUCH CAN I SAVE? HOMEOWNERS WIND & HAIL POLICY FRAME CONSTRUCTION Territory HIP ROOF (WINDOW) OPENING PROTECTION HIP ROOF & OPENING PROTECTION SOUTHERN BEACHES #7 4.7% 4.7% 9.3% Rest of Carteret to Brunswick #52 4.0% 4.0% 9.0%
10 FORTIFIED: HOW DOES IT WORK? BUILDING EVALUATION REQUIRED FORTIFIED: Existing Retrofit or New Construction BRONZE SILVER GOLD NEW MINIMAL DAMAGE IN CAT 1 MINIMAL DAMAGE IN CAT 2 MINIMAL DAMAGE IN CAT 3 BUILDING CODE PLUS
11 BRONZE Re-Roofing or New Construction EXTRA ROOF DECK NAILING SECONDARY WATER PROTECTION HIGH WIND ROOF COVERING ROOF VENT ATTACHMENTS AND SEALING GABLE VENTS REINFORCE GABLE ENDS
12 ROOF DECK: INSPECT & RENAIL WHEN REROOFING
13 BRONZE NEW or RE-ROOFING SECONDARY WATER PROTECTION
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17 Fortified: BRONZ Not Re-Roofing XXEXTRA ROOF DECK NAILING XSECONDARY WATER PROTECTION XXHIGH WIND ROOF COVERING ROOF VENT ATTACHMENTS AND SEALING GABLE VENTS REINFORCE GABLE ENDS ATTACH ROOF DECK AND WATER SEAL FROM INSIDE ATTIC
18 Bronze Option 1: Two Part Closed Cell Polyurethane Foam Adhesive
19 Fortified: SILVER ALL BRONZE REQUIREMENTS FULL IMPACT GLASS OR STORM SHUTTERS (No plywood >120 mph) HIGH WIND GARAGE DOORS MORE GABLE END REINFORCEMENT IMPROVED PORCH AND CARPORT ANCHORAGE
20 Silver Impact-rated doors or doors protected by impact-rated screen/shutter product
21 Silver Garage doors pressure-rated or protected by impact-rated screen/shutter
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23 Fortified: GOLD ALL OF BRONZE & SILVER DETAILED LOAD PATH ANALYSIS MAY REQUIRED SOME DISASSEMBLY TO INSPECT WIND RATED WINDOWS AND DOORS
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26 IBHS: HOW MUCH CAN I Territory SAVE? Re-roofing or New Construction Wind & Hail Coverage Frame Construction FORTIFIED: BRONZE SILVER GOLD Code PLUS NORTHERN BEACHES #7 6.5% 12.3% 14.5% 16.7% SOUTHERN BEACHES #8 6.0% 12.7% 15.3% 16.7% Currituck to Pamlico #48 4.3% 7.6% 10.9% 10.9% West of above #49 5.2% 7.3% 10.4% 12.5% Carteret to Brunswick #52 6.0% 12.0% 15.0% 16.0%
27 HOW MUCH WILL A FORTIFIED EVALUATION COST ME? IT DEPENDS: CURRENT CONDITION REPORT ~ 2 PROGRESS INSPECTIONS FINAL INSPECTIONS CONSTRUCTION IMPROVEMENTS MUCH LOWER FOR NEWER HOUSES
28 Value vs. Cost 2,000 square feet under roof (including all condition and unconditioned spaces) Scenario #2 #1 Task Range Evaluation $150 $150 In-Progress 1 $75 $0 $150 $0 In-Progress 2 $75 $0 $150 $0 Final $75 $0 $150 $0 Total $375 $150 $600 $150 This is for illustration purposes only. Actual pricing may vary by provider.
29 WIND INSURANCE INCENTIVES $$$ BEACH & FAIR PLANS (NCJUA & NCIUA) Beach Territories If roof covering +50% damaged: Increased Cost of Compliance for Fortified Bronze Coastal Counties If reroofing: $600 cost of Bronze Evaluation
30 FLOOD INSURANCE FREEBOARD INCENTIVES $$$ NFIP elevation discounts V-zone: $250K building/$100k contents +4 feet 66% (SAVING $5,580/year) +3 feet 62% DISCOUNT +2 feet 47% DISCOUNT +1 foot 24% DISCOUNT Minimum $8,434 Annual Premium
31 FLOOD INSURANCE RATES WARNING! $$,$$$ NFIP legislation Pre-FIRM subsidies repealed Actuarial rates required Premium increases up to 25% year Some increases delayed May need elevation certificate to stop increases PRACTICE: Ask your insurance agent.
32 INSURANCE INCENTIVES $$$ QUESTIONS? Ask your insurance agent. Other QUESTIONS?
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