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

By Max Dorfman, Analysis Author, Triple-I

Houses 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, in keeping with a current examine by the Federal Emergency Administration Company (FEMA).

Of the 200 properties surveyed, 90 % with roofs put in earlier than 2015 had roof injury, versus 28 % for these put in after 2015, when Florida imposed new ordinances relating to how roofs are connected to homes and the way waterproof they must 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 constructions within the space, inflicting an estimated $55 billion in insured losses in 2024 {dollars}.

A few of this injury, in keeping with the info, may 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 stop hurricane injury. These adjustments additional got here into impact in 2002, with a brand new deal with roofing. Nonetheless, 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 Protected Houses, informed The Miami Herald. “It was a nominal value (to bolster the roof) and a easy factor to do, however it made an enormous distinction.”

Now, with a renewed deal with metallic sheet roofs—which bear the brunt of storms extra resiliently than asphalt shingle roofs—FEMA’s knowledge may drastically change the best way during which properties are constructed, and the way insurers are responding to fraudulent claims.

Insurance coverage scams set progress again

Insurers are compelled to boost 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 development.

“Fraud drives insurance coverage charges up and harms all Florida policyholders,” Residents Property Insurance coverage CEO Tim Cerio mentioned. Nonetheless, implementing the adjustments recommended by the FEMA examine might assist alleviate a number of the issues posed by insurers—and assist owners.

“Whenever 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,” mentioned Chapman-Henderson. “It not solely will increase your efficiency within the hurricane itself, however within the present atmosphere it will possibly assist prevent cash in your insurance coverage.”

Study Extra:

Lawsuits Threaten to Swell Hurricane Ian’s Pricetag

Triple-I Points Transient: Hurricanes