Citizens Property Insurance Corporation Residential Wind Only Classification Plan November 11, 2002 Presented by: Tony Loughman Director of Underwriting and Agent Administration

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Citizens Property Insurance CorporationResidenti
al Wind Only Classification PlanNovember 11,
2002Presented by Tony LoughmanDirector of
Underwriting and Agent Administration
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Citizens Property Insurance CorporationResidenti
al Wind Only Classification PlanNovember 11,
2002Presentation Agenda

• 1. Introductions
• 2. Uniform Building Code Stipulations
• Requirements (credit vs.. debit)
• Premium Credit Stipulations
• Effective Date
• 3. FWUA Current Residential Classification Plan
• Rating and Definitions
• Base Class home
• Construction
• Housing Features
• Mitigation Features

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Citizens Property Insurance CorporationResidenti
al Wind Only Classification PlanNovember 11,
2002Presentation Agenda

• 4. Data Collection and Verification
• Inspections and Affidavits - Proof of Compliance
  Documents
• Windstorm Protective Device Affidavit
• Mitigation Verification Affidavit
• Roofing Verification Affidavit
• Mobile Home Tie Down
• Survey Cards
• ARA Surveys
• Other Surveys
• Mitigation Survey

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Citizens Property Insurance CorporationResidenti
al Wind Only Classification PlanNovember 11,
2002Presentation Agenda

• 5. Enhancements to Current FWUA Classification
  Plan
• Floor to Foundation Attachments
• Skylights
• Roof Sheathing Nailing Pattern
• 6. Commercial-Residential Classification Plan
• DCA (ARA) Study Status
• 7. Concluding Remarks

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Uniform Building Code

• Florida Statute 627.0629 reads in part
• A rate filing for residential property insurance
  must include actuarially reasonable discounts,
  credits, or other rate differentials, or
  appropriate reductions in deductibles, for
  properties on which fixtures or construction
  techniques demonstrated to reduce the amount of
  loss in a windstorm have been installed or
  implemented.
• Continued

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Uniform Building Code

• Florida Statute 627.0629 continues with
• the fixtures or construction techniques
  demonstrated to reduce the amount of loss in a
  windstorm shall include but not be limited to
  fixtures or construction techniques which enhance
  roof strength, roof covering performance, roof to
  wall strength, wall to floor to foundation
  strength, opening protection, and window, door,
  and skylight strength.
• Continued

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Uniform Building Code

• Florida Statute 627.0629 continues to read in
  part
• Credits, discounts, or other rate differentials
  for fixtures and construction techniques which
  meet the minimum requirements of the Florida
  Building Code must be included in the rate
  filing. All insurance companies must make a rate
  filing which includes the credits, discounts, or
  other rate differentials by February 28, 2003.

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Wind Classification Plan

• Residential Occupancy Only
• 1-4 Family Owner Occupied
• 1-2 Family Tenant Occupied
• Individual Townhouse Owner
• Condo Unit Owner in 1-4 Unit Building
• Renters Contents in a 1-4 Unit Building
• Not Available for Condo Unit Owner in a 5 or More
  Unit Building.

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Data Collection and Verification

• Proof of Compliance Inspections and Affidavits
• Windstorm Protective Device
• Mitigation Verification Affidavit
• Roofing Verification Affidavit
• Mobile tie Down Verification Survey

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Data Collection and Verification

• Inspections and Affidavits - More Data Collection
• Survey Cards
• ARA Surveys
• Other Surveys
• Mitigation Survey

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Base Class Home
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FWUA TERMS

• Residential Base Class
• An unmitigated, one story, frame, gable roof
  home with a double garage door or open carport,
  attached open porch and exterior sliding glass
  door.

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Construction
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FWUA TERMS

• Residential Construction
• Classifications
• FRAME
• MASONRY
• REINFORCED MASONRY

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Residential Construction Classifications

• FRAME
• Exterior walls of wood or other combustible
  materials including combinations with other
  materials such as brick or stone veneer and
  stucco or wood. Wood frame is relied upon for
  structural stability.

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Residential Construction Classification

• MASONRY
• Exterior walls of non-reinforced masonry
  materials such as adobe, brick, concrete block,
  stone, fill or other materials and are relied
  upon for structured stability.

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Residential Construction Classification

• REINFORCED MASONRY
• Exterior walls of masonry materials that are
  reinforced with both vertical and horizontal
  steel reinforced and relied upon for structural
  stability. Vertical reinforcement shall be fully
  grouted in the cells of hollow masonry units and
  horizontal reinforcement shall be fully grouted
  in specially formed (Bond Beam) units designed
  for that purpose or poured concrete tie beams.
  Tilt-up or poured concrete wall units shall be
  reinforced both vertically and horizontally with
  reinforcing steel.

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Predominant Construction
FWUA TERMS

• Mixed Construction if at least 33 1/3 then use
  highest rate.
• FRAME
• MASONRY
• REINFORCED MASONRY

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Housing Features
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FWUA TERMS
Residential Building Features

• Two Story - any dwelling with more than one story

Housing features
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FWUA TERMS

• Residential Building Features
• Two Story - a dwelling shall be considered a two
  story if it is a story in part (e.g., split
  level) or where the first livable floor having
  enclosed walls is elevated at least 8 feet above
  the highest grade immediately below the first
  livable floor and the structure is supported in
  frame, steel or masonry piles braced and
  connected to a perimeter tie beam at the first
  livable enclosed floor level.

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FWUA TERMS
Residential Building Features

• Roof Types
• HIP

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FWUA TERMS
Residential Building Features

GABLE
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FWUA TERMS
Residential Building Features
FLAT - horizontal roof with a pitch of less
than 10 degrees
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FWUA TERMS

• Residential Building Features
• ROOF COVERINGS
• SHINGLES
• TILE
• SLATE
• REINFORCED CONCRETE

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FWUA TERMS
Residential Building Features

• Reinforced Concrete
• A roof deck designed and constructed in
  accordance with the provisions of ACI (American
  Concrete Institute) 318. The roof deck shall be
  monolithic and constructed integrally with the
  wall system and meets wind load requirements of
  the local building code.

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FWUA TERMS
Predominant Roof Type/ Covering

• Roof types in combination with a gable end that
  exceeds 50 of the width of the exterior wall
  will be classified as a gable roof.
• Do not consider the roof type of entrance ways,
  porches or decorative non-structural gables.

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Illustration of How A Hip Roof Can Be Rated Gable
End
51 feet (Greater than 50)
100 feet
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FWUA TERMS

• Residential Building Features
• SLIDING GLASS DOORS - door surface is glass and
  operating on a track system with access to a
  porch, patio, balcony or to exterior of the
  dwelling.

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FWUA TERMS

• Residential Building Features
• Attached Garage Doors
• Single Wide - on a garage attached to the
  dwelling which is unbraced and wide enough for
  only one car

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ONE CAR GARAGE
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TWO CAR GARAGE
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FWUA TERMS

• Residential Building Features
• Carports/ Porches - structure where the roof is
  attached to or an extension of regular roof with
  one side open, one side of its walls is covered
  with screen, fabric, lattice, slats, or other
  porous material.
• Note Does not include any structure attached to
  home with a roof covering of screen (e.g. pool
  enclosure).

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FWUA TERMS
NOT CONSIDERED Residential Building Features
CARPORT PORCH
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Mitigation Features
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Residential Loss Mitigation

• Secondary Water Resistance

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Residential Loss Mitigation

• Secondary Water Resistance
• A self adhering polymer modified bitumen roofing
  underlayment (thin rubber or asphalt sheets with
  peel and stick underside located beneath the roof
  covering) or a foamed polyurethane sheathing
  adhesive that is applied to seal all joints in
  the sheathing to protect from interior water
  intrusion.

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Residential Loss Mitigation

• Sheathing Attachment
• Superior
• Standard
• Must be verified by survey

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Residential Loss Mitigation
Superior Sheathing Roof sheathing with a
minimum thickness of 1/2 attached to roof
trusses/rafters by 8d nails or greater (e.g. 10d
nails or 8 screws) which are properly
spaced. OR A AFG-01 structural adhesive, that
is continuously applies, per the manufacturers
instructions, on both sides of the truss/rafter.
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Residential Loss Mitigation

• Roof Straps or Hurricane Clips

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Residential Loss Mitigation

• Roof Straps or Hurricane Clips
• Metal clips/straps connecting each
• roof rafter/truss to the side walls.

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Residential Loss Mitigation
Gable Braced
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Residential Loss Mitigation
Gable Braced A gable roof where the trusses (or
the wall portion that extends above the gable end
wall) are strengthened by properly securing (via
nails, or clips/straps) the bottom chord of the
truss to the top of the end wall and bracing the
bottom chord to the adjacent trusses to prevent
the wind from pushing or pulling the gable end
where the gable truss is connected along the
gable wall.
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Residential Loss Mitigation

• Devices which are not required to be verified
  by survey are devices and features that can be
  verified by photos.
• Examples include
• Hip Roof
• Unbraced Gable Roof
• Unreinforced Masonry Walls

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Residential Loss Mitigation

• Devices which are required to be verified by
  survey
• Secondary Water Resistance
• Superior Sheathing Attachment
• Roof Straps
• Gable Braced Roof
• Reinforced Masonry Walls
• Reinforced Concrete Roof

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Residential Loss Mitigation

• Verification Forms
• Loss Mitigation Survey (LMS-1)
• MIT-1 or MIT-2
• WPD-1R and WPD-1C
• Any expense incurred is the insureds
  responsibility.

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Residential Loss Mitigation

• Shuttering
• Hurricane
• Ordinary

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Wind Protective Device
Proof of Compliance
WPD-1R Form
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Wind Protective Device
Hurricane Wind Pressure - Meet minimum wind
pressure standards of American Society of Civil
Engineers 7-88, as adopted by Dade Co. in
September 1994.

• CLASS A CREDIT

Debris Impact - Meet minimum debris impact
standards adopted by Dade Co. in September 1994.
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Wind Protective Device
Ordinary
Wind Pressure - Meet minimum wind pressure
standards of American Society of Civil Engineers
7-88, as adopted by Dade Co. in September 1994.
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Wind Protective Device
Hurricane Criteria

• ALTERNATIVES
• Garage and/or exterior doors meet Hurricane
  Criteria.
• Window, wall, or roof openings are covered by
  permanently installed glazing materials that
  meets Hurricane Criteria.

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• PHOTOGRAPHS
• All Residential Applications must be accompanied
  by a photo of the FRONT BACK of each risk to be
  insured.
• One photo to show the full front and one side and
  the other photo to show the full rear and other
  side.

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Questions