Storm Smart Industries Receives 2007 Florida Building Code Approval For Storm Catcher
We are pleased to announce Storm Smart Industries, Inc. has received Florida Building Code approval for its new Storm Catcher Wind Abatement Screen engineering. The new code goes into effect March 1st, 2009, but the drawings and approval are available for use now on the Florida Building Code website under FL-11291 R-1. You will find the new engineering is much improved with build-out, build-in details and an extensive anchor schedule. Here is the link. http://www.floridabuilding.org/pr/pr_app_srch.aspx
We also have a new method for securing the strap-and-buckle system using a low profile bracket secured with two tapcons. The new bracket eliminates the need for the 3/8” drop-in anchor, eyebolt and sidewalk bolt, reducing the amount of labor required to install the strap-and-buckle screen. The bracket, and the tapcons required to secure the bracket, are also cheaper than the eyebolt/anchor/sidewalk bolt. Consequently, the strap bracket improves the profitability of this system. Details are on page 11 of the new engineering.
We here at Storm Smart Industries committed much time and resourcesto develop this new engineering and get it approved in time for the new code. Any product you are now using that does not have 2007 code approval could present a challenge when securing a permit after March 1st,2009.
Storm Smart Industries is committed to developing new and innovative products as well as continuously improving our existing Storm Catcher line of screen products to give you, our Dealers, the edge over your competition.
Beginning January 1, 2009 single family homes located in the Windborne Debris Area (WBDR), insured by Citizens, having an insured value of more than $750,000.00 will be required to document the existence of FBC Approved hurricane protection before renewal; owners that fail to comply will be cancelled.
Below are some common questions about Citizen’s requirements and provide an overview of the new underwriting policy with particulars on the qualification steps, and consequences for non-compliance.
Q- What policies are affected?
A- Those in the WBDR with an insured value of $750,000.00 or more
Q- Isn’t that most of the coastal property?
A- No, it is based on the insured value of the structure not the market value of the property. Insured value is based on sq ft, materials, fixtures, and finishes so the structure would probably need to be larger than 5000 sq ft living area.
Q- What opening protection products qualify?
A- Any that has a Florida Building Code or Miami-Dade approval for Large Missile Impact Resistance (9lb missile test). Remember these are single family residential properties usually less than 30 feet mean roof height, small missile impact resistant products would not qualify.
Q- Don’t all opening require some type of protection?
A- In Miami-Dade and Broward counties (HVHZ) yes, outside the HVHZ only glazed openings are protected in compliance with the WBDR requirements in the Florida Building Code. For structures located outside the HVHZ, solid doors and garage doors are not required to be protected. It is highly recommended these protected in order to qualify for the maximum discounts, and if the owner is shopping for another windstorm carrier, many require all openings to be protected rather than the minimum requirements for building code compliance.
Q- Does that mean you have to use Miami-Dade Approved products in the HVHZ?
A- No, any Florida Building Code Approved product can be used as long as it is “Approved for use in the HVHZ” and meets the design pressure requirements for the location and mounting conditions used on the structure.
Q- Do all qualifying properties have to complete the installation before January 1, 2009?
A- No, this affects qualifying properties at time of renewal after January 1, 2009.
Q- What is required to document that qualifying homes comply and can continue coverage?
A- “Qualified” Wind Certification Inspection must be performed, impact protective devices must be labeled or the owner must provide documentation of compliance with FBC2001 or Miami-Dade Product Approval for Large Missile Impact Resistance.
Q- Can a shutter contractor “Qualify” their own work after they install shutters?
A- Yes but, you should be aware that insurers are checking the forms and new legislation is being proposed to make falsification of the forms, or obvious errors a felony. Contractors that self certify will be scrutinized for obvious reasons and if they only complete part of the form homeowners may complete the rest and submit it under their license number. We recommend using a third party independent inspection form to certify your installations. This not only relieves the installation of any associated liability, it provides a higher quality in the level of service contractors provide to their clients.