Hurricane Season 2024 Is Now Underway: Is Your Home Fortified? - Sun and Planets Spirituality AYINRIN

Hurricane Season 2024 Is Now Underway: Is Your Home Fortified? - Sun and Planets Spirituality AYINRIN

Homes built to Fortified standards withstood the kind of damage seen here from 2018's Hurricane ... [+]

Copyright 2018 The Associated Press. All rights reserved.

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Hurricane season started last Saturday, June 1, 2024 and AccuWeather is forecasting 20 to 25 named storms, four to seven of which could intensify into major hurricanes this year. “The coastline along Texas, the Florida Panhandle, South Florida, and the Carolinas face heightened risk of direct impacts,” predicts the firm in its 2024 U.S. Hurricane Forecast.

The Insurance Institute for Business & Home Safety, a research and educational organization for the industry, would like to see your home come through any storms crashing into it this season structurally intact and ideally undamaged. If your home has already been “Fortified,” it probably will.

The IBHS’ three Fortified Programs were developed to make homes more resilient against storm damage. The good news is that while they are proving to add considerable resilience to homes in the hurricane belt, they’re also providing insurance policy discounts and resale value to Fortified homeowners.

Property Manager’s Perspective

Brian Bosscher, owner and founder of Condo Control serving property management clients in the hurricane-prone Coastal Carolina region, first became aware of the Fortified program five years ago, he says. He’s aware of at least 150 homes in his territory with this protection and says the number is increasing as homeowners and builders recognize its benefits. “I have observed that Fortified homes tend to fare much better during hurricanes compared to non-certified homes,” he notes. “They often sustain significantly less damage, which underscores the effectiveness of the program's standards in real world conditions.”

Clients like the increased security and long-term financial advantages, including lower premiums and reduced storm maintenance costs, Bosscher adds. “When discussing the benefits of the program with clients, I emphasize the enhanced resilience and protection these certifications offer against severe weather, particularly hurricanes. Additionally, I point out that such homes often have a higher resale value due to their robust construction standards.” Fortified can also reinforce the common area buildings his clients maintain – and their homeowners enjoy – thus protecting the value and comfort for the community overall.

Insurance Agent’s Perspective

Mobile, Alabama-based independent insurance agent Carl Schneider sells homeowner coverage along the hurricane-prone Gulf Coast. His market is the leader in Fortified home construction and renovation, he says, with more than 50,000 certified homes. State regulations mandate that insurance carriers provide benchmarked discounts to consumers to strengthen their homes, he shares. “The discounts apply to homes built to the International Residential Code, 2006 version or higher, Fortified Roof, Silver and Gold.”

Discounts vary based on age of roof and level of program, Schneider comments, and are only required to apply to the wind portion of the policy. These range from a low of 15% to a high of 65% and are mandatory for admitted carriers only, he cautions. “However,” he adds, “we have educated the specialty non-admitted carriers and receive discounts and underwriting preferences for Fortified Designated homes.” He attributes the latter to educating the carriers to the program’s features.

“Since 2015, most new construction has been built to the Fortified Gold Standard. And most homes needing new roofs are re-roofed to the Fortified Roofing designation,” Schneider says. Looking at the percentage of homes in his territory with Fortified designations today, Schneider estimates, “Easily 95% of all new 2024 residential construction and 80% of residential reroofs. The closer to the water the more important the designation.”

The insurance agent says he discusses the program with every current and new client. If they need financial support to reinforce their homes, he refers them to a state grant program. “Fortified is our agency specialty. We believe in the program and promote heavily. Hurricane Sally in 2020 proved Fortified reduces damage.” Schneider also points out that many underwriters are unwilling to write policies unless a home is Fortified.

He says the program is expanding rapidly. “Large tract home builders and custom home builders are actively building Fortified homes in the Florida Panhandle and Coastal Mississippi. Louisiana and North Carolina are quickly catching up. Two of the largest direct writers are now offering wind coverage in select area of Florida, Mississippi and Louisiana if the homes have a Gold designation.”

Engineer’s Perspective

In order to get a Fortified certification for a new or remodeled home, the work has to be verified by an evaluator. Professional engineer Vince LaCoste, also in Mobile, has been one of those evaluators for 11 years. In that time, he says, he has evaluated about 25,000 homes, mostly for builders wanting to offer Fortified benefits to homebuyers.

“An existing home, in order to qualify for any level of a Fortified designation, would typically require a new roof placed in accordance with the Fortified standards,” LaCoste explains. “After that, other levels of Fortified may be achieved with the addition of opening protection, bracing of gable ends, and confirming load path elements.” Local building officials have embraced the Fortified standards, he says. Along with the insurance discounts, he calls building Fortified “a no-brainer.”

Forward Looking

There are 26 states with Fortified homes, says IBHS spokesman Cliff Barros, and a significant percentage have already found themselves in the path of serious storms. “Category 5 Hurricane Michael and Category 4 Hurricane Ida provided the most dramatic examples of the difference Fortified can make. In each, Fortified homes were essentially undamaged while neighbors’ were completely destroyed.”

Even without the insurance savings, that’s enough to tout the benefits to homebuyers. “In coastal Alabama and North Carolina, it is common for real estate listings to detail Fortified designations, and builders often describe the importance of resilient construction in their outreach to customers,” Barros notes. If you’re looking to buy a new home or improve the one you currently own for better safety and resale value, this is one way to do it.

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