Thanks for the update.
Makes sense they would come up with something, especially for the Historical homes.
Just one more thing to verify.
MAybe we all need to form or get together and work together to get the MILLIONAIRES running the audit program for the state. I think we could all get together and fight the top guns.
Wow, there are a lot of mistakes in interpretation being made here I will try to clarify:
First- the 2002 Loss Relativities Study (2002 LRS) and the FBC are both based on new construction having all glazed openings protected (in the HVHZ all openings) and the definition of Opening Protection is: “protection from windborne debris.”
Gable Vents- are not included as openings because attics are ventilated and pressures are normalized during a high wind event so while you may get water (not a part of this inspection) there is no imediate threat to internal pressurization which is the primary reason for opening protection. In short, you do not consider gable vents because they are not defined as opening under the 2002 LRS.
Second- non-glazed doors that are not impact resitant are ignored since they are not glazed. The form allows you to check ALL Glazed Openings or ALL Openings are protected. Windload rating is irrelevant to this section since it is titled “Opening Protection” see definition above. The 2002 LRS includes a secondary factors for non-glazed openings in the credit tables so this information is not required unless you are indicating ALL Openings are protected, THEN you need to verify the impact resistance of all openings or opening protection systems. Water penetration resitance is not a factor for credits at this time and should not be a part of your inspection report or influence any findings in your reports.
Keep it simple guys and don’t rely on any information from the MSFH program, this program was an inspection designed to produce a recommendations report incorporating the Hurricane Structural Rating System. That inspection, although similar, has no bearing on the OIR B1-1802 form and its defintiions. If you use MSFH definitions in executing this form you are probably going to be wrong 50-70% of the time, thus the industry response in reinspecting hundreds of thousands of homes. Pay attention to form wording and do not try to imagine things that are not defined in it, you will be better off for it.
And if you really want to fully understand the form and where its defintiions come from, go read the 2002 LRS, this is the document that is the basis for this form and the carriers rate filings. It is 269 pages of engineering, actuarial tables, wind modeling, and other technical data. This is the place to start as a back grounder in understanding the methodology, definitions, and engineering and research behind Florida’s Mitigation Discounts and the report has also had a major influence in modifications and ammendments to the FBC.
“Keep it simple guys and don’t rely on any information from the MSFH program, this program was an inspection designed to produce a recommendations report incorporating the Hurricane Structural Rating System. That inspection, although similar, has no bearing on the OIR B1-1802 form and its defintiions. If you use MSFH definitions in executing this form you are probably going to be wrong 50-70% of the time, thus the industry response in reinspecting hundreds of thousands of homes. Pay attention to form wording and do not try to imagine things that are not defined in it, you will be better off for it.”
You could not be more correct. You need to post these comments in the Clips or Other thread on this forum.
Our office has got really good at tracking down permits, manufacturers, and product approvals. in the last 2 weeks we have been able to prove approved products on 10 different inspections. Now with that being said the NOA stickers on windows and doors do say “void if label removed”. So we may be wrong…
If there is nothing to prove a NOA for or cannot be obtained, I am refraining from giving the full impact discount and just selecting the all glazed openings credit, which is still a minor credit for the policyholder. Just not the full impact all opening credit, which is a whopper of a discount.
You guys do realize that the thread was started 1 year ago.