2018 Hurricane Member Resources

Hurricanes Harvey, Irma and Maria in 2017 were stark reminders of Mother Nature’s destructive force and the need for preventive action before a storm strikes.

IBHS provides this package of hurricane preparedness resources for your use with policyholders, employees, agents and other key stakeholders to help strengthen their homes and businesses so they can effectively reduce their risk of property damage. We also encourage you to follow us on Facebook and Twitter so you can share our messages about hurricane season.

 2018 Hurricane Forecast

(Source: NOAA)

NOAA’s Climate Prediction Center is forecasting a 75-percent chance the 2018 Atlantic hurricane season will be near- or above-normal.

10 to 16 Named Storms

5 to 9 Hurricanes 

 1 to 4 Major Hurricanes

Hurricane Resources

Shut the Doors on Hurricane Damage

Coastal storm approaching? Close all interior doors, in addition to all windows and exterior doors, to reduce damage risks.

High winds place homes under intense pressure. Wind entering the home through an open or broken window, can create strong upward pressure on the roof. Rigorous scientific wind testing on a full-scale, 1,400-square-foot single-story home at the IBHS Research Center reveals closing interior doors helps compartmentalize the pressure inside a home into smaller areas reducing the overall force on the roof structure, which gives the roof a better chance of staying intact.

3 WAYS TO REDUCE HURRICANE DAMAGE TO YOUR HOME

1. Prepare Your Surrounding to Reduce Damage
Limit possible sources of wind-borne debris by surveying your home’s surroundings before a storm. Consider these actions to reduce the possibility of damage from the area surrounding your home.

2. Protect Your Home’s Openings
Protect all openings from high wind or flying debris damage. Failure of a large window or door (entry, sliding glass or garage) can result in pressurization inside your home and potential property damage. Use these guidelines to strengthen the openings of your building.

3. Strengthen Your Roof
The roof is your home’s first line of defense against Mother Nature, making it one of the most vulnerable points. Roof cover damage occurs in the majority of wind-related claims, and a compromised roof can allow high winds and wind-driven rain to get inside your home and cause major damage. Use this checklist to inspect your roof covering to determine what steps need to be taken to strengthen it. Additional roof strengthening information can be found on the IBHS Roofs webpage.

8 STEPS TO A STRONGER ROOF

The roof is your home’s first line of defense against the punishing winds and rains of a hurricane. The Insurance Institute for Business & Home Safety (IBHS) created guidelines to help homeowners fortify their roofs against hurricane damage during the re-roofing process. After all, replacing a roof is expensive. Shouldn’t you be getting the best protection possible for your hard-earned dollars?

The 8 steps to creating a strong roof from IBHS’ guide Is Your Roof FORTIFIED? are:

  1. Remove the original roof covering and underlayment to expose the roof deck.
  2. Inspect the roof deck for damage, replace damaged sections to provide a durable nailing surface.
  3. Re-fasten the roof deck (staples are not permitted; ring shank nails are ideal).
  4. Seal the roof deck. A roof deck with the seams sealed helps keep water out if the roof cover is lost or damaged.
  5. Replace roof-mounted vents with vents that meet Florida Building Code Test Standard TAS 100(A). These vents resist wind and water intrusion.
  6. Install metal drip edge at all eaves and rakes to keep wind-driven rain out.
  7. Install flashing.
  8. Install new, high-wind rated roof covering per the manufacturer’s high-wind installation requirements.

You can learn more about how to strengthen your roof by watching IBHS’ Getting the Roof Right animated video.

Protect Your Home With Storm Shutters

Protecting openings, windows and exterior doors, including garage doors, is critical to the survival of a building during a hurricane. Opening protection should be procured and installed well before a hurricane approached. You can use shutters to protect existing windows and door or you can replace them with pressure- and impact-rated products that provide 24/7 protection. Most shutter systems have to be activated before a storm strikes, so if you elect to use shutters, make sure the hardware is pre-installed and that all shutter panels are labeled and ready for quick installation. Make sure that one or more doors are accessible as quick exits. This is usually most easily accomplished by installing impact-rated doors at these locations.

Opening protection can keep wind pressure from building up inside the structure, which often leads to loss of the roof. Wind forces during a hurricane can quickly pressurize a building and cause it to collapse in seconds once a window or door is forced open.

IBHS’ shutter guide includes a comprehensive list of shutter materials, cost estimates, and pros and cons to consider when choosing the right type of protection for your home.

PREPARE YOUR BUSINESS FOR HURRICANE SEASON

Many businesses are not prepared to respond to hurricanes. Small businesses are particularly at risk because they may have all of their operations concentrated in one location that could be damaged or destroyed. That is why disaster planning is a critical part of every business’s operational objectives.

While emergency planning ideally is a year-round priority, the peak of hurricane season is a good time to refocus your efforts. Now is the time to:

  • Have your building(s) inspected and complete any maintenance needed to ensure that your building can stand up to severe weather.
  • Designate an employee to monitor weather reports and alert your team to the potential of severe weather.
  • Review your business continuity plan and update as needed, including employee contact information. If you do not have a plan, consider IBHS’ free, easy-to-use business continuity plan toolkit for small businesses, OFB-EZ® (Open for Business-EZ).
  • Remind employees of key elements of your business continuity plan, including post-event communications procedures and work/payroll procedures. Make sure all employees have a hard copy of the plan. Review emergency shutdown and start-up procedures, such as electrical systems, with appropriate personnel, including alternates.
  • If backup power such as a diesel generator is to be used, test your system and establish proper contracts with fuel suppliers for emergency fuel deliveries.
  • Re-inspect and replenish emergency supplies, since they are often used during non-emergency situations.
  • Test all life safety equipment.
  • Conduct training/simulation exercises for both your business continuity and emergency preparedness/response plans.

Learn more about what to do before, during and after a tropical storm or hurricane to protect your business and employees with IBHS’ EZ-PREP: Severe Weather Emergency Preparedness and Planning Toolkit.

FORTIFIED Home™ Member Toolkit

FORTIFIED Home™ is the national standard for resilient construction and is gaining in popularity in several coastal communities. Use a FORTIFIED Home™ Member Toolkit outlining how you can utilize various resources with your policyholders.

Learn more about the FORTIFIED Home program at http://www.fortifiedhome.org.

FACEBOOK POSTS

  • The height of hurricane season runs from mid-August to late October. Take the time now to update your business continuity plan or create a new one using IBHS’ free toolkit, OFB-EZ® (Open for Business-EZ).
  • It only takes one storm to have an impact. Prepare now for the 2018 hurricane season using IBHS’ science-based guidance available at disastersafety.org/hurricane.
  • Coastal storm approaching? Closing all interior doors, in addition to all windows and exterior doors, can reduce damage risks. disastersafety.org/hurricane 
  • Use IBHS’ EZ-PREP Guide for small businesses to customize an emergency preparedness and response plan so you are ready if a tropical storm targets your area.
  • A sealed roof deck is a critical component of FORTIFIED Home™ resilient construction standards and can reduce your risk of costly property damage during a tropical storm. Learn why through research conducted at the IBHS Research Center: http://bit.ly/2ppLQwQ
  • Is it time to replace your roof? Have a roofing professional look for the common signs of roof wear and tear using IBHS’ roof inspection checklist.
  • Roof damage makes up the majority of wind-related insurance claims each year. Building science research has identified many affordable ways to reduce roof damage from high winds. Learn more in IBHS’ guide Is Your Roof FORTIFIED?
  • Your roof is your building’s first defense against high wind and rain damage. Learn how to strengthen your roof with IBHS’ guide Is Your Roof FORTIFIED?
  • The moments after a tropical storm are crucial to quickly returning back to normalcy. Find out what steps you can take to safely and efficiently recover from a storm: http://bit.ly/2cWe749

 

TWITTER

  • The height of #HurricaneSeason runs from mid-August to late October. Don’t get caught unprepared, reduce your risks today: disastersafety.org/hurricane 
  • Coastal storm approaching? Closing all interior doors, in addition to all windows and exterior doors, can reduce damage risks. disastersafety.org/hurricane 
  • Installing a new roof? Make it stronger before hurricane season using guidance from IBHS: http://bit.ly/2r70gSO.
  • Tropical storm in the forecast? Prepare using IBHS’ last-minute guidance: http://bit.ly/1OJcgQr 
  • A sealed roof deck is a critical component in @FORTIFIEDHome resilient construction standards. Learn why: http://bit.ly/2ppLQwQ
  • Roof cover damage causes the majority of wind-related insurance losses. Learn how to reduce damage: http://bit.ly/2r70gSO.
  • How is IBHS research helping property owners prepare for hurricane season? See for yourself: http://bit.ly/2pILWMw
  • 1 in 4 businesses that close during a disaster never reopens. A business continuity plan will help you recover quicker: http://bit.ly/1CWaIqZ.
  • The moments after a tropical storm are crucial to quickly returning back to normalcy. IBHS guidance can help: http://bit.ly/2cWe749

National Level Exercise (NLE) 2018

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Video

(For video files, please contact Joy Stokes at jstokes@ibhs.org)

What is IBHS?

What is FORTIFIED?

IBHS Wind Demonstration (IBHS Research Center)

IBHS Water-Intrusion Tests (IBHS Research Center)

Attached Structure Testing (IBHS Research Center)

Which house would you rather Own? Build? Insure? Sell?

Sealed Roof Deck (Water Intrusion)

Getting the Roof Right

Hurricane Andrew and Building Codes

2010 Wind Demonstration (IBHS Research Center)

Commercial Wind Demonstration (IBHS Research Center)