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

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

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


By Max Dorfman, Analysis Author, Triple-I

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

Of the 200 properties 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 should 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 properties and different buildings within the space, inflicting an estimated $55 billion in insured losses in 2024 {dollars}.

A few of this injury, based on 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 revolutionary plans to forestall hurricane injury. These adjustments additional got here into impact in 2002, with a brand new concentrate on roofing. Nevertheless, there have been inconsistencies within the high quality of the roofing.

“The Nineteen Seventies-era properties carried out higher than a number of the post-2002 new constructing code properties 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 value (to strengthen the roof) and a easy factor to do, but it surely made an enormous distinction.”

Now, with a renewed concentrate on steel sheet roofs—which bear the brunt of storms extra resiliently than asphalt shingle roofs—FEMA’s information might drastically change the way in which through which properties are constructed, and the way insurers are responding to fraudulent claims.

Insurance coverage scams set progress again

Insurers are compelled to lift the value 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 examine might assist alleviate a number of the considerations posed by insurers—and assist householders.

“If you’re taking a look at a house and evaluating its capability 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 may possibly assist prevent cash in your insurance coverage.”

Study Extra:

Lawsuits Threaten to Swell Hurricane Ian’s Pricetag

Triple-I Points Temporary: Hurricanes



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