2. for Safer Living®
for Existing Homes™
for Safer Business ™
3. WHY FORTIFIED
Responding to the membership interest in providing
FORTIFIED type structures
Building Codes set minimum standards
Some areas lack a building code or do not enforce it
Build stronger light commercial buildings
Reduce property damages and insurance claims
Protect business operations and livelihoods
Win-Win situation for business owners, their
customers, insurance companies,
and society as a whole
4. New light commercial construction
Banks
Community centers
Schools
Houses of worship
Restaurants
Movie theaters
Small shopping centers
Self-storage facilities
Office buildings
Structures less than 60 ft.
Other TBD
5. Natural Catastrophe Risks
Hurricane
High Wind
Tornado and Hail
Wildfire
Severe Winter Weather
Earthquake
Flood
6. Non - Natural Catastrophe Risks
Interior Fire
Burglary
Electrical Surge Protection
Building Envelope and Water/Air Mgmt.
7. Identify all Nat Cat perils for the location
Building is designed by a qualified professional
meeting FORTIFIED Design Requirements
Design Checklist / Compliance Agreement-
Signed /sealed by Design Professional for each
Peril
Plans are submitted for review to ensure proper
FORTIFIED Design
QC / Site Inspections / Documentation
Final Audit by IBHS
8. Design Guide Draft
Design Requirements / Technical Information
Construction Document Requirements
Guidelines for choosing a design professional
Information for Inspectors
Building upon and expanding some design criteria
based on commercial lines experiences and research
9. Based on combination of:
Existing Building Codes
Various widely used and accepted test standards
Loss history
Cost considerations
Scientific research data
10. International Building Code (IBC) 2009
Florida Building Code (FBC) 2009
Similarto IBC, but typically more restrictive
2004 version with updates in 04, 06, 07 and 2009
supplement
FBC – HVHZ (High Velocity Hurricane Zone)
Miami Dade & Broward Counties
Some occupancies in other FL counties use it
More restrictive than FBC standard version
Texas Department of Insurance (TDI)
2006 IBC with revisions
first tier counties along the Texas coast
California Building / Seismic Codes
11. ASTM (American Society for Testing of
Materials)
ANSI (American National Standards Institute)
UL (Underwriters Laboratories)
FM Global Approval Standards
Florida Building Code / Miami Dade County
Test Protocols HVHZ– TAS (Testing
Application Standards)
12. Design / Installation / Construction Guidelines are
based on:
ASCE 7 (American Society of Civil Engineers)
NRCA (National Roofing Contractors Association)
ANSI- Voluntary Standardization System
FM Global Data Sheets
Metal Roofing Systems Design Manual by Metal Buildings
Manufacturers Association(MBMA)
Florida Building Code / Miami Dade County HVHZ– RAS
(Roofing Application Standards)
FEMA Design Guides
SMACNA (Sheet Metal and Air Conditioning
Contractors' National Association)
NFPA Standards
13. FORTIFIED Design Wind Speed increased 20 mph
over ASCE 7 basic wind speed for the location
Roof system attachments include a factor of safety
of 2.0 for uplift pressure rated for FORTIFIED
Design Wind Speed
Opening protection required for all buildings with
ASCE 7 wind speed of 100 mph (FORTIFIED
Design Wind Speed of 120 mph) or greater
Walls must be impact resistant
(no standard EIFS)
14. Similar to Hurricane with the exception of:
Opening protection is NOT required
Walls are NOT required to be impact resistant
15. Impact Resistant Roof Covering required
Steep Sloped Roofs – UL 2218 Class 4 or FM 4473
Class 4
Low Sloped Roofs – FM 4470 rating Class 1-SH
16. Wildfire Risk Assessment Checklist
Determine Hazard Level
Low
Moderate
High
Extreme
Design requirements based on the Hazard
Level
17. Fire Protection Engineer must design the fire
protection system
The fire protection system must be designed in
accordance with NFPA 13 – Standard for
Installation of Sprinkler Systems
18. FORTIFIED compliance process combined with
the FORTIFIED technical / design
requirements equals “Code Plus.”
19. Design Guide operational for end users
Online infrastructure for FFSB Applicants, Plan
Reviews, Site Inspections, Forms
Utilize
processes and infrastructure already created
by FORTIFIED for Safer Living and Existing Homes
Pilot Project
20. Plan Review Process
Train plan reviewers and create the online
infrastructure
Provide plan submittal checklists for efficient
communication with construction groups
Provide a “thorough” Summary Plan Review Letter
21. Site Inspections / Construction Quality Control
Traininspectors and create the online infrastructure
Provide simple checklists for items that can be
simply checked off and do not require a site visit
Include requirements for providing information with
supporting photos
In depth checklists for site visits
Ensure efficient communication with construction
groups
Provide a “thorough”
Project Follow Up Letter
22. We will use our FORTIFIED sister program –
Fortified for Safer Living as a model for our
program
Solicitation of Pilot Projects
Commercial Lines Committee or the Fortified
for Safer Business Task Force
23. Code Plus Construction
Design Guide
Compliance
Plan Review
QC /Site Inspections for construction
Final Audit
FORTIFIED Designation