In the past, we’ve discussed how architectural details affect earthquake resistance, and how documenting those details for your insurance Statement of Values (SOV) can help you secure the right insurance coverage at the best rates. So today, we’ll talk about the other common way your building can be affected by risk — windstorm.

Like the seismic resistance details, this information is called “secondary COPE data,” where COPE stands for Construction, Occupancy, Protection and Exposure. And in the case of convective storms, these details focus not only on the potential for property damage from high winds, but also any associated flooding. And it all starts by knowing your property’s Wind Zone and Flood Zone.

So, What is a Wind Zone?

Wind zones are regions of the U.S. that are determined and tracked by HUD and FEMA, with HUD breaking the regions into Zones I to III and FEMA doing so with Zones I to IV. In both cases, the higher the zone number, the higher the average windspeed for that region and the higher potential for wind damage. This information is important for insurance purposes, helping insurers gain a better picture of a property’s risk due to its location and help determine your rates and level of coverage. These zones also help determine construction requirements for these regions. FEMA’s Building Science section, for example, has some really helpful guideline information discussing how to construct buildings to reduce risk of damage in particularly high wind areas.

Then What is a Flood Zone?

Much like wind zones, a flood zone is a designated region of risk tracked by FEMA to predict how likely a particular location will experience flooding. And like wind zones, it’s important to know this information for your property insurance. Your Flood Protection COPE data is designed to reflect how flood-resistant your building may be. It examines how each structure meets flood zone requirements for design and construction — details like whether your building has French drains or retention ponds to help manage storm water run-off. (We’ll discuss further flood-proofing COPE details you should look for in a later section.)

For property in a high-risk zone, you’ll likely be required by federally-regulated lenders to purchase flood insurance to help mitigate any added risk. Your flood risk levels will affect both the amount of coverage you require, as well as the cost. Because all areas have at least some potential for flooding, the risk levels across the U.S. range from low and moderate to high risk. You can check which flood zone your property is in here.

These zones are designated by a letter, with the Special Flood Hazard Areas (SFHAs) — which have a 1% or greater chance of being flooded in a year — specified with an A or a V.  If you’re in one of these SFHA zones, you are legally required by your lenders to purchase and maintain flood insurance. Zones are categorized as follows:

By knowing your zone, you take the first step in determining your flood risk.

Construction Quality

When it comes to secondary COPE characteristics, Construction Quality becomes an overarching factor for mitigating the risks of windstorms. It is the overall quality, design and/or condition of a property being valued for insurance purposes. There are a few factors that help determine this quality:

For buildings intended for commercial purposes, they are required by law to have a “certified design and construction.” That means that the group that provided integrated design and construction of, for example, a high-rise office building used well-trained, certified professionals throughout the project, and this has been verified. It holds the construction and design to a high level of safety standards.

For buildings designated for residential purposes, these are required by law to have a “certificate of occupancy.” That means a local government agency or building department has certified that the building is in compliance with building codes and other safety standards, making it a habitable place to live.

Features that would indicate a lack of habitability would include buildings with damaged foundations, severe water damage and mold, exposed wiring, buildings that are condemned, and so on.

Building Exterior — Roof

A structure’s roof features many important secondary COPE details that can either potentially fail in a windstorm or be huge asset for windstorm mitigation. Some important questions to ask yourself about a structure’s roof include:

By adding these secondary COPE details related to roofing into your insurance statement of values, you can help create a more accurate picture of your property for your insurer.

Building Exterior — Windows and Doors

Openings in a building’s structure can be points of vulnerability in windstorm mitigation. That’s why many doors and windows have been designed with certain features to remain strong in the face of high winds, reducing the risk for potential rain damage and flooding within the structure. Secondary COPE details to pay attention to here include:

Building Exterior — Outdoor Equipment

The objects attached to a building can be just as important to examine for windstorm mitigation as the building itself. Don’t forget to include these secondary COPE characteristics in your appraisal of the building exterior:

Building Exterior — Structures on the Property

Your property risk isn’t limited to your building itself, so it’s important to take into account the secondary COPE details for other structures that sit within the property boundaries, as well. This can include items like:

By including these in your SOV, you form a more powerful, accurate picture of your risk profile.

Additionally, you should examine the area and assess the following:

Building Interior

While windstorm mitigation focuses heavily on the exterior, there are interior COPE details that are equally important to note, such as:

COPE-ing with Your Windstorm Data Gathering

By documenting the COPE property details for windstorm and flood for your insurance provider, you help create a thorough, accurate view of your risk levels. This means you not only have the opportunity to right-size your property insurance coverage, but you might just be blown away by better rates!

PS- If you need assistance gathering these details, contact Centurisk about our property valuation services! We’d be happy to discuss.

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