Post-Harvey: FORTIFIED in Texas
What is FORTIFIED?
How to Get Started
Step 1 – SCHEDULE A FORTIFIED EVALUATION
First Homeowners or contractors must first select an approved evaluator from a list of IBHS Certified FORTIFIED Home™ Evaluators working in the area. The applicant then schedules a fee-based evaluation of the home. The applicant has the option to interview any evaluator listed, discuss their fees and negotiate accordingly. IBHS certifies only those evaluators who have completed a comprehensive training program, passed an exam, and who meet IBHS’ rigorous professional requirements.
Step 2 – HAVE FORTIFIED EVALUATION PERFORMED
At the scheduled time, the chosen evaluator will visit the home and conduct a FORTIFIED Evaluation. The evaluator’s role is to collect information about the home and complete a comprehensive checklist provided by IBHS. At the conclusion of the evaluation, the information is transmitted to IBHS for analysis and processing and the evaluator will complete an application and begin the official designation process.
Step 3 – RECEIVE AND REVIEW CUSTOMIZED REPORT
After the evaluation, the applicant will receive access to a comprehensive, customized Current Condition Report via a personal, secure online portal. This report includes analysis of the home’s condition, an explanation of deficiencies, if any, and an overview of the improvements needed to achieve each of the three FORTIFIED designations. If there are no retrofits required, a designation certificate will be issued at this time.
Step 4 – TAKE ACTION
The Current Conditions report can be used to get accurate bids from contractors on the necessary retrofits. The contractor and evaluator should work together to assure work is completed per the program requirements and that the necessary documents are collected for submittal to IBHS.
If retrofits are needed, the Current Condition Report will be a road map for making the home more disaster resistant. The applicant’s FORTIFIED Action Plan begins with deciding what level of protection they want to achieve, identifying the needed retrofits and having the work performed. Upon completion, the FORTIFIED upgrades must be verified for compliance by a certified FORTIFIED™ Home Evaluator. The evaluator will submit compliance documents to FORTIFIED Home for review and processing.
Step 5 – GET DESIGNATED
Once the FORTIFIED™ Home Evaluator verifies the improvements have been made, a FORTIFIED Designation is awarded. The FORTIFIED Designation Certificate is proof of compliance and can be submitted to the homeowner’s property insurance provider to receive applicable discounts or credits where available. Check with your insurance carrier for more details about FORTIFIED incentives.
Once awarded, a FORTIFIED Home Designation lasts for five years. At the end of that term, a re-designation audit is required and will focus on the condition of the roof covering. If major structural changes have been completed or if systems covered by FORTIFIED requirements have been damaged or upgraded since the original designation was awarded, a more extensive audit may be required.
Water Intrusion in High Winds
Getting the Roof Right
Additional FORTIFIED Home Resources
FORTIFIED Home is a way to build a new home or retrofit an existing home beyond typical building codes to deliver superior performance during severe weather (such as hurricanes, strong thunderstorms, and lower-level tornadoes). FORTIFIED is a nationally recognized building method based on more than 20 years of scientific research and real-world testing by the Insurance Institute for Business & Home Safety (IBHS).
Protect your home from natural disasters by using FORTIFIED Home construction standards and methods. IBHS FORTIFIED goes beyond emergency preparedness and disaster preparedness to give you the peace of mind that comes from knowing your home has been FORTIFIED to offer disaster protection.
“I am confident that by having a FORTIFIED home, life will go on post-disaster as we expect it to, without major disruption.”