Citizens Property Insurance Corporation Residential Wind Only Classification Plan November 11, 2002 Presented by: Tony Loughman Director of Underwriting

Citizens Property Insurance Corporation

Residential Wind Only Classification Plan

November 11, 2002

Presented by: Tony Loughman

Director of Underwriting and Agent Administration

Citizens Property Insurance CorporationResidential Wind Only Classification Plan

November 11, 2002

Presentation Agenda1. Introductions

2. Uniform Building Code StipulationsRequirements (credit vs.. debit)Premium Credit StipulationsEffective Date

3. FWUA Current Residential Classification Plan Rating and Definitions

Base Class homeConstructionHousing FeaturesMitigation Features


November 11, 2002

Presentation Agenda4. Data Collection and Verification

Inspections and Affidavits - Proof of Compliance Documents

• Windstorm Protective Device Affidavit• Mitigation Verification Affidavit• Roofing Verification Affidavit• Mobile Home Tie Down• Survey Cards• ARA Surveys• Other Surveys• Mitigation Survey


November 11, 2002

Presentation Agenda

5. Enhancements to Current FWUA Classification Plan

• Floor to Foundation Attachments • Skylights• Roof Sheathing Nailing Pattern

6. Commercial-Residential Classification PlanDCA (ARA) Study Status

7. Concluding Remarks

Uniform Building CodeFlorida Statute 627.0629 reads in part:

“A rate filing for residential property insurance must include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented.”

» Continued

Uniform Building CodeFlorida Statute 627.0629 continues with:

“the fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm shall include but not be limited to fixtures or construction techniques which enhance roof strength, roof covering performance, roof to wall strength, wall to floor to foundation strength, opening protection, and window, door, and skylight strength. ”

» Continued

Uniform Building CodeFlorida Statute 627.0629 continues to read in

part:

“Credits, discounts, or other rate differentials for fixtures and construction techniques which meet the minimum requirements of the Florida Building Code must be included in the rate filing. All insurance companies must make a rate filing which includes the credits, discounts, or other rate differentials by February 28, 2003.”

Wind Classification Plan

Residential Occupancy Only

– 1-4 Family Owner Occupied– 1-2 Family Tenant Occupied– Individual Townhouse Owner– Condo Unit Owner in 1-4 Unit

Building– Renters Contents in a 1-4 Unit

Building

Not Available for Condo Unit Owner in a 5 or More Unit Building.

Data Collection and Verification

Proof of Compliance Inspections and Affidavits

– Windstorm Protective Device

– Mitigation Verification Affidavit

– Roofing Verification Affidavit

– Mobile tie Down Verification Survey

Data Collection and Verification

Inspections and Affidavits - More Data Collection

– Survey Cards

– ARA Surveys

– Other Surveys

Mitigation Survey

FWUA TERMSResidential Base Class:

An unmitigated, one story, frame, gable roof home with a double garage door or open carport, attached open porch and exterior sliding glass door.

FWUA TERMS

Residential ConstructionClassifications

– FRAME– MASONRY– REINFORCED MASONRY

Residential Construction Classifications

FRAMEExterior walls of wood or other combustible materials including combinations with other materials such as brick or stone veneer and stucco or wood. Wood frame is relied upon for structural stability.

Residential Construction Classification

MASONRY

Exterior walls of non-reinforced masonry materials such as adobe, brick, concrete block, stone, fill or other materials and are relied upon for structured stability.

Residential Construction Classification

REINFORCED MASONRY Exterior walls of masonry materials that are reinforced with both vertical and horizontal steel reinforced and relied upon for structural stability. Vertical reinforcement shall be fully grouted in the cells of hollow masonry units and horizontal reinforcement shall be fully grouted in specially formed (Bond Beam) units designed for that purpose or poured concrete tie beams. Tilt-up or poured concrete wall units shall be reinforced both vertically and horizontally with reinforcing steel.

Predominant Construction Mixed Construction: if at least 33 1/3% then use highest rate.

– FRAME– MASONRY– REINFORCED MASONRY

FWUA TERMS

FWUA TERMS

Residential Building Features

Two Story - any dwelling with more than one story

Housing features

FWUA TERMSResidential Building

Features

Two Story - a dwelling shall be considered a two story if it is a story in part (e.g., split level) or where the first livable floor having enclosed walls is elevated at least 8 feet above the highest grade immediately below the first livable floor and the structure is supported in frame, steel or masonry piles braced and connected to a perimeter tie beam at the first livable enclosed floor level.

FWUA TERMS

Roof Types

HIP


FWUA TERMS


GABLE

FWUA TERMS

FLAT - horizontal roof with a pitch of less than 10 degrees


FWUA TERMSResidential Building Features

ROOF COVERINGS

– SHINGLES – TILE– SLATE– REINFORCED CONCRETE

FWUA TERMS

Reinforced Concrete A “”roof deck designed and constructed in accordance with the provisions of ACI (American Concrete Institute) 318. The roof deck shall be monolithic and constructed integrally with the wall system and meets wind load requirements of the local building code.


Predominant Roof Type/ Covering

Roof types in combination with a gable end that exceeds 50% of the width of the exterior wall will be classified as a gable roof.

Do not consider the roof type of entrance ways, porches or decorative non-structural gables.

FWUA TERMS

100 feet

51 feet(Greater than

50%)

Illustration of How A Hip Roof Can Be Rated Gable

End

FWUA TERMS


• SLIDING GLASS DOORS - door surface is glass and operating on a track system with access to a porch, patio, balcony or to exterior of the dwelling.

FWUA TERMS


• Attached Garage Doors Single Wide - on a garage

attached to the dwelling which is unbraced and wide enough for only one car

ONE CAR GARAGE

TWO CAR GARAGE

FWUA TERMS Residential Building Features

Carports/ Porches - structure where the roof is attached to or an extension of regular roof with: one side open, one side of its walls is covered with screen, fabric, lattice, slats, or other porous material.

Note: Does not include any structure attached to home with a roof covering of screen (e.g. pool enclosure).

FWUA TERMS

NOT CONSIDEREDResidential Building Features CARPORT PORCH

Secondary Water Resistance

Residential Loss Mitigation

Secondary Water ResistanceA self adhering polymer modified bitumen roofing underlayment (thin rubber or asphalt sheets with peel and stick underside located beneath the roof covering) or a foamed polyurethane sheathing adhesive that is applied to seal all joints in the sheathing to protect from interior water intrusion.


Sheathing Attachment

– Superior*– Standard

*Must be verified by survey


Superior Sheathing

Roof sheathing with a minimum thickness of 1/2” attached to roof trusses/rafters by 8d nails or greater (e.g. 10d nails or #8 screws) which are properly spaced.

ORA AFG-01 structural adhesive, that is continuously applies, per the manufacturer’s instructions, on both sides of the truss/rafter.


Roof Straps or Hurricane Clips


Roof Straps or Hurricane Clips

Metal clips/straps connecting each roof rafter/truss to the side walls.



Gable Braced

Gable Braced

A gable roof where the trusses (or the wall portion that extends above the gable end wall) are strengthened by properly securing (via nails, or clips/straps) the bottom chord of the truss to the top of the end wall and bracing the bottom chord to the adjacent trusses to prevent the wind from pushing or pulling the gable end where the gable truss is connected along the gable wall.


Residential Loss Mitigation Devices which are not required to be verified by survey are devices and features that can be verified by

photos.

Examples include:

– Hip Roof– Unbraced Gable Roof– Unreinforced Masonry Walls

Residential Loss Mitigation Devices which are required to be

verified by survey:

– Secondary Water Resistance– Superior Sheathing

Attachment– Roof Straps– Gable Braced Roof– Reinforced Masonry Walls– Reinforced Concrete Roof


Verification Forms

• Loss Mitigation Survey (LMS-1)• MIT-1 or MIT-2• WPD-1R and WPD-1C

*Any expense incurred is the insured’s responsibility.

ShutteringHurricaneOrdinary


Proof of ComplianceProof of Compliance

Wind Protective Device

Wind Protective Device CLASS “A” CREDITHurricane

Wind Pressure - Meet minimum wind pressure standards of American Society of Civil Engineers 7-88, as adopted by Dade Co. in September 1994.Debris Impact - Meet minimum debris impact standards adopted by Dade Co. in September 1994.

Wind Protective DeviceOrdinary

Wind Pressure - Meet minimum wind pressure standards of American Society of Civil Engineers 7-88, as adopted by Dade Co. in September 1994.

Wind Protective DeviceHurricane Criteria

ALTERNATIVES:

•Garage and/or exterior doors meet Hurricane Criteria.

•Window, wall, or roof openings are covered by permanently installed

glazing materials that meets Hurricane Criteria.

PHOTOGRAPHS

All Residential Applications must be accompanied by a photo of the FRONT & BACK of each risk to be insured.

One photo to show the full front and one side and the other photo to show the full rear and other side.