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
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 Harvey Wind Damage Investigation
In its newest post-disaster study of the coastal wind damage caused by 2017’s Hurricane Harvey, IBHS unveils important new guidance for consumers with homes exposed to hurricane wind. The report also offers new quantitative data to inform architects and building designers, insurers and catastrophe modelers.
As communities along the Texas Coastal Bend rebuild – and for homeowners anywhere high winds occur – this report offers excellent guidance on how to defend against wind. It is based on a coordinated, scientific field assessment of how structures of various ages, designs and construction techniques fared against Hurricane Harvey’s Category 4 conditions.
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:
- Remove the original roof covering and underlayment to expose the roof deck.
- Inspect the roof deck for damage, replace damaged sections to provide a durable nailing surface.
- Re-fasten the roof deck (staples are not permitted; ring shank nails are ideal).
- Seal the roof deck. A roof deck with the seams sealed helps keep water out if the roof cover is lost or damaged.
- Replace roof-mounted vents with vents that meet Florida Building Code Test Standard TAS 100(A). These vents resist wind and water intrusion.
- Install metal drip edge at all eaves and rakes to keep wind-driven rain out.
- Install flashing.
- 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.
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.
- 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
- Hurricane Harvey stormed ashore South of Houston as a Category 4 hurricane, with winds that destroyed more than 15,000 homes and resulted in $125 billion in damages. An IBHS post-catastrophe assessment team immediately followed the storm into the wind ravaged coastal communities. A full report is now complete. Learn what IBHS’ unique research found and how we can better prepare for the next storm: http://bit.ly/2Ojsr9G
- 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
- 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
- #HurricaneHarvey impacted millions and a new IBHS report highlights damage done and how we can be better prepared for the next storm: http://bit.ly/2Ojsr9G
- 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
- Get updates about severe weather in the places that matter to you. The @FEMA App offers alerts, safety tips, and a little peace of mind: [with graphic: http://www.fema.gov/media-library/assets/images/115861]Download the FEMA app for safety tips and @NWS weather alerts for up to five locations: https://www.fema.gov/mobile-app?utm_medium=social&utm_source=partner-share&utm_campaign=nle #HurricaneExercise2018
- Your family may not be together when a hurricane occurs. Take time to talk about how you will get in touch with your family and friends if you are separated. Download the family communication plan guide and get started today: https://www.fema.gov/media-library/assets/documents/108887?utm_medium=social&utm_source=partner-share&utm_campaign=nle #HurricaneExercise2018
- #DYK it takes 30 days for flood or wind insurance to begin. Don’t wait until it’s too late, and get covered now. Get more information by visiting: http://www.floodsmart.gov/?utm_medium=social&utm_source=partner-share&utm_campaign=nle #HurricaneExercise2018
- In the event of a hurricane, there are many things that we do to prepare our homes. Help protect your wallet, too, with a flood insurance policy: http://www.floodsmart.gov/?utm_medium=social&utm_source=partner-share&utm_campaign=nle#HurricaneExercise2018#HurricaneExercise2018
- Is your family prepared for #hurricane season? Be #FloodSmart and add flood insurance to your to-do list this week. [check emoji] http://www.floodsmart.gov/?utm_medium=social&utm_source=partner-share&utm_campaign=nle
- #DYK cash goes further than credit after a disaster? Learn how to be financially ready to start the recovery process without delay. Download @FEMA’s Emergency Financial First Aid Kit for more information (also available in Spanish): https://www.fema.gov/media-library/assets/documents/96123?utm_medium=social&utm_source=partner-share&utm_campaign=nle #HurricaneExercise2018
- The best way to ensure a safer community is having trained volunteers taking action to increase the support of emergency responders during disasters. Visit your local emergency management website to learn about training in your area: https://www.fema.gov/emergency-management-agencies#?utm_medium=social&ut… #HurricaneExercise2018
- Did you know? More than half of all homeowners in the U.S. don’t have adequate homeowner’s insurance to replace their home and its contents should a disaster occur. Use this checklist to make sure you’re prepared. https://www.fema.gov/media-library/assets/documents/133450?utm_medium=social&utm_source=partner-share&utm_campaign=nle
- What’s on your to-do list this week? Add getting #FloodSmart to that list. It’s as easy as calling your insurance agent to find a policy that makes sense for you! #HurricaneExercise2018 http://www.floodsmart.gov/?utm_medium=social&utm_source=partner-share&utm_campaign=nle
- Just one inch of flooding can cost you more than $25,000. You can reduce the financial burden of flood damage with a flood insurance policy. Visit http://www.floodsmart.gov/?utm_medium=social&utm_source=partner-share&utm_campaign=nle to learn more. #HurricaneExercise2018
- When preparing for a hurricane you take steps to protect your home against damage. Help protect your wallet, too, with a flood insurance policy: http://www.floodsmart.gov/?utm_medium=social&utm_source=partner-share&utm_campaign=nle #HurricaneExercise2018
Additional Member Resources & Publications
- Severe Weather Threatens Small Business Survival (EZ-PREP)
- Hurricane Preparedness: IBHS Last-Minute Checklist
- Hurricane Season 101
- Preparing for Hurricane Season 101: Protect Your Roof
- Preparing for Hurricane Season 101: Protect Openings
- Preparing for Hurricane Season 101: Prepare Your Surroundings
- Lock In Peace of Mind: Protect Your Home and Your Finances
- Don’t let a Storm Blow Away your Profits: Is Your Business Ready for a Hurricane?
- Flood Property Protection: Making Your Home More Flood Resilient
Residential Preparedness Guides and Resources
- Hurricane Shutter Selection and Installation Guide
- Reducing Tree Damage Brochure
- Carports and Attached Structures Consumer Safety Guide
- Manufactured Home High Winds Checklist
- Roofing the Right Way – Hurricane
Commercial Preparedness Guides and Resources
- Windows, Wind & Windborne Debris: How to Protect Your Business from Hurricanes
- Business Protection Lessons Learned: 25 Years After Hurricane Andrew
- EZ-PREP: Severe Weather Emergency Preparedness and Response Planning Toolkit
- OFB-EZ® Business Continuity Planning Toolkit (pdf)
Additional commercial resources are available on the IBHS member website:
- Log in to the Member page (DisasterSafety.org/member-resources)