Foreign.
Speaker BReady to turn your house into the home you've always dreamed of without the headaches or huge bills.
Speaker BYou're tuned to around the House, the nation's number one home improvement radio show and podcast with expert advice that's helped millions tackle everything from remodels to repairs.
Speaker BHosts Eric G. And John Dudley have got you covered with the best advice and information about your home.
Speaker BNow let's get this hour started.
Speaker BEric is down at Design and Construction Week checking out the latest in new products and design trends and he will be back next week.
Speaker BToday we are jumping back into the catalog to discuss how to remodel or build that new home.
Speaker BTo handle today's bad weather, we have Fred Malik, managing director of Fortified for the Insurance Institute for Business and Home Safety.
Speaker BNow let's get to it.
Speaker CWelcome to the Round the House show.
Speaker CThis is where we help you get the most out of your home through information and education.
Speaker CThanks for joining us today.
Speaker CThis is probably going to be one of our most important episodes of the year as far as I'm concerned because our weather has been crazy.
Speaker CI don't care where you're located in the US one day it seems like you've got 60 degrees in the winter time and the next day it's 18 and snowing.
Speaker CAnd it is doing some damage to our homes that I'm still picking up around my place.
Speaker CFrom the last one we have Fred Malik from the Insurance Institute for Business and Home Safety.
Speaker CBut they've got this amazing program called Fortified Home.
Speaker CWelcome to around the House, Brother.
Speaker AHey, Eric, thanks man.
Speaker AAppreciate it, man.
Speaker CI love what you guys are doing.
Speaker CAnd me being a Pacific Northwest native, I'm as good as the bubble I'm in.
Speaker CAnd when I was out in Florida at the Southeastern building conference down there, I was shocked to really dive in and understand what Gulf states and those guys are doing down there to build for weather.
Speaker CAnd it's something I know in the Pacific Northwest we got to do a lot better of.
Speaker AYeah, you guys have had the atmospheric river out there this, this whole week.
Speaker AStrong winds, torrential rains.
Speaker AI bet you that's opening a few people's eyes that hey, maybe we've got to pay attention to this stuff just like some of these other folks do.
Speaker AYeah.
Speaker CIn the month of January, great example.
Speaker CWe had a basically a frozen hurricane come in here into the Pacific Northwest.
Speaker CWe had couple days of 18 degree weather which is super cold for us.
Speaker CAnd then we had winds coming down the Columbia Gorge here that were 80 to 100 and we had trees Coming down and just destruction.
Speaker CIt looks like a hurricane hit in some neighborhoods.
Speaker AYeah.
Speaker CAnd we got to do a better job of building homes that way.
Speaker AYeah.
Speaker ADown on the Gulf coast and up through the hurricane prone portions of the east coast, we've been using something called as graduated scale of design wind speeds for a while now, which helps to improve performance by up leveling the.
Speaker AOr leveling up the components and cladding in particular, and some of the other structural design elements of the house.
Speaker ABut for most of the country, including where you are out there in the northwest, the design wind speed is pretty flat.
Speaker AIt's 115 under the most current version of the building codes.
Speaker AAnd that leaves a lot of room for improvement when you're encountering the kinds of conditions you guys are seeing now.
Speaker CAbsolutely.
Speaker CThis is one of those things that when you.
Speaker CIt's.
Speaker CIt was shocking because I was looking at it going down there, looking at the building codes, because we were building up those.
Speaker CThose little demonstrations down there and I'm like, wow, we're tying the top plate into the foundation.
Speaker CThis is stuff we should be doing around here.
Speaker AYeah.
Speaker AThe load path is certainly an important feature of the home that you're talking about.
Speaker AAnd that's a series of connections that ties the roof to the wall, to the floor and the floor into the foundation and the ground.
Speaker AThe whole purpose of that is to transfer all those load can be applied to the house either by the wind or even those dead loads from things like snow get that stuff into the ground.
Speaker AThat's the whole goal.
Speaker ABut the areas of the house that are the most vulnerable, even at lower wind speeds, are things like the roof and your garage door, believe it or not.
Speaker CYeah.
Speaker CYeah.
Speaker CThat garage door is shocking, we think about roof.
Speaker CRight.
Speaker CYou know, you get a 50, 60 mile an hour wind and all of a sudden you got shingles in the driveway.
Speaker CBut I think people really don't realize or forget that is one big sale that's covering their garage door.
Speaker CAnd if you've got that budget friendly steel one, those things taco in pretty quickly.
Speaker AYeah.
Speaker AAnd the unfortunate thing is it's maybe been an under appreciated risk that's out there.
Speaker AAnd so the market just really hasn't demanded that things like labeling and lots of transparency about design, wind pressures and ratings for the garage doors be included.
Speaker ANow that's been a staple in hurricane prone areas for a long time, especially in Florida.
Speaker AFlorida really brought that to, to, to the country after hurricane Andrew.
Speaker AUntil recently, there really hasn't been a whole lot of transparency for folks that are building away from the coast.
Speaker AAnd so builders like you and me maybe would like to make a better decision.
Speaker AAnd we just didn't know what we didn't know, which is crazy.
Speaker ABut now that's starting to really come to light.
Speaker AAnd we've got a lot of great research that just shows how important that garage door can be, even to keeping something like your roof on.
Speaker CYeah, that's.
Speaker CYou got me thinking about that garage door, because once that garage door comes in, now you've got the, the lift on the roof system.
Speaker CAnd so all of a sudden those maybe traditional hurricane rafter ties, those little pieces of sheet metal, are the only thing holding the roof on the building.
Speaker CAnd if that's an attached garage, once you open that up, you're now really just asking for issues on the rest of the home as far as losing a roof system.
Speaker AYeah.
Speaker ABack in the day when I first started learning how to build a house, I was building in Virginia and we used to put those little things called hurricane clips.
Speaker AAnd I was, I was well away from the coast.
Speaker AI, as a new guy in the industry, I was like, what are we putting hurricane clips on for?
Speaker AWe never see hurricanes here.
Speaker AHere we are, fast forward 30 something years later.
Speaker AAnd I really understand and appreciate the value of those things.
Speaker ABut yeah, when you're talking about the garage door.
Speaker ASo imagine your house, or think of your house as a rigid balloon.
Speaker AAnd as long as the windows and the doors and all those features stay intact, the air pushes on your house, it moves around your house.
Speaker ABut your house is designed to take that load in those places.
Speaker ABut if the garage door fails, which is the largest opening in the house, then that air is rushing into that rigid balloon and it has to go somewhere.
Speaker AAnd the only places it can go is out or up.
Speaker AAnd the out or up is when you start to see things like wall and roof failure.
Speaker AThere's a interesting statistic that just really puts a fine point on this, that in places like Joplin Moore, or even in Florida with some older buildings stopped during hurricane Ian, if you had a garage door that stayed intact during those really severe events, 90% of the homes that had garage doors that stayed intact did not have structural roof damage.
Speaker AWow, that's crazy, isn't it?
Speaker AIf you basically read a different way.
Speaker AIf your garage door was damaged, you were very likely that you had some sort of severe structural damage to your home.
Speaker AThat's.
Speaker AWow.
Speaker AThat's the kind of risk that that particular component of your house can either prevent or really contribute to some sort of damage.
Speaker CAnd that is one of hundreds of materials in your house that you're depending on to hold that structure together.
Speaker AYeah, exactly.
Speaker AAnd you're really, if you're a homeowner, you're, you're really counting on the building contractor and the code officials in your location to make sure that you got the right stuff there.
Speaker AAnd the knowledge needs to get transferred from the coast to the inland locations and out there to the Pacific Northwest.
Speaker CYou think about it just as a homeowner, you're out there, you're like, hey, my garage door is ugly.
Speaker CIt's an old one, I'm going to go put one on.
Speaker CYou go out and get prices for it.
Speaker CAnd you're just talking to garage doors installers, you're not talking to code enforcement, you're not getting permits.
Speaker CRight.
Speaker CAnd you're out shopping for them and go, that's a good buy right there.
Speaker CAnd I just need a simple garage door.
Speaker CYou don't see it from the street, who cares?
Speaker CAnd they order it and it comes in, they put it up.
Speaker CThey don't think I'm thinking about it.
Speaker CBut if they'd have spent maybe a few hundred to a thousand more, the level of protection in a wind event is massive.
Speaker AYeah.
Speaker AAnd you just, you just made an excellent point that this is not the kind of mitigation that maybe costs you a fortune or really is something that you have to really think long and hard about because it's going to be years before you can get a payback on that.
Speaker AThat's a, that's a relatively simple and affordable thing to do to upgrade your door.
Speaker AAnd again, as a homeowner at one, an uninformed homeowner at one point, when I was a new guy in the business now as a well informed homeowner and a builder, most of my clients paid attention to the color of the door and the style of the door, that those are the things that they were going to interact with every day.
Speaker AWhat does it look like?
Speaker AHow does it enhance my curb appeal?
Speaker AAnd those are reasonable and justifiable things to be thinking about.
Speaker ABut you also want it to perform.
Speaker AAnd if you don't know the design pressure rating of your door, then you really don't know whether it's going to protect you.
Speaker AThe fortunate thing is at ibhs, in our fortified program, we have very specific information about what kinds of design pressures you should be looking for based on where you are in the country.
Speaker AThat way you can just say, hey, I need a door.
Speaker AIt needs to be almond.
Speaker AIt needs to have the black Brackets and it needs to be DP35 and you know, plus 35, negative 35.
Speaker AThat's critical information that now your supplier can get you a door that meets those parameters.
Speaker BIf you are new to the show, you can find out more about us@aroundthehouseonline.com.
Speaker Bwe will be right back with more from Fred Malik, managing director of Fortified for the Insurance Institute for Business and Home Safety.
Speaker BAround the House.
Speaker BWe'll be right back.
Speaker AThe kids these days will never understand.
Speaker BWhat it's like to play an instrument.
Speaker ALike being a fan.
Speaker AWhat's up?
Speaker AThis is Sticks it In ya and.
Speaker CSatchel from Steel Panther and you are.
Speaker BListening to around the House with Eric G. Yeah, we love Eric G. And you should, too.
Speaker BWelcome back to the around the House Show.
Speaker BEric G. Is down at Design and Construction Week in Orlando finding the best new products for your home.
Speaker BHe will be back next week.
Speaker BNow let's get back to our previous conversation with Fred Malik, managing director of Fortified for the Insurance Institute for Business and Home Safety.
Speaker BLet's continue the conversation.
Speaker AThat way you could just say, hey, I need a door.
Speaker AIt needs to be almond.
Speaker AIt needs to have the black brackets and it needs to be DP35.
Speaker AAnd you know, plus 35, negative 35.
Speaker AThat's critical information that now your supplier can get you a door that meets those parameters.
Speaker CYeah, that is smart.
Speaker CBut you think about it, I don't think there's any place in the country that is not susceptible to a wind event.
Speaker CWe have our windstorms here.
Speaker CYou got the Santa Ana winds that happen in California.
Speaker CYou've got everything from tornadoes and windstorms across the Midwest, nor'.
Speaker CEaster.
Speaker CIt's basically something that every homeowner should be taking a peek at because I don't think there's, I bet you there's not a house out there that goes, oh, we don't ever get wind.
Speaker AYeah, certainly not.
Speaker AAnd, but it is one of those things that's underappreciated because last year, 20, 23, there were 19 severe storm weather events, each one of them causing a billion dollars in damage or more.
Speaker AAnd when you hear that number, a billion dollars of damage, that means homes like the ones you and I are living in, that's where the damage is happening.
Speaker AAnd just 19 storms caused over $19 billion worth of damage.
Speaker AAnd there was only one tropical cyclone last year.
Speaker ASo that means that everywhere around the country is seeing these things.
Speaker AAnd unfortunately, as homeowners, we get complacent storm, but we need to recognize that a storm doesn't have to make national headlines to wreak havoc on your home or even your business.
Speaker CYeah, yeah.
Speaker CIt's huge.
Speaker CAnd it's funny, it's.
Speaker CBuilding materials are such a big part of this.
Speaker CYou'd mentioned roofing earlier and again, it's like garage doors.
Speaker CPeople go, oh, that's beautiful.
Speaker COh, it's got a 30 year warranty.
Speaker CLet's go with that.
Speaker CI like the look of that.
Speaker CIt'll be a nice upgrade to the house.
Speaker CBut the wind resistance and hail damage resistance and all that other stuff sometimes doesn't come into that conversation.
Speaker AYeah, for sure.
Speaker AAnd we have studied how buildings interact, particularly with high winds and rain for a long time.
Speaker AOver three decades now, IBHS has been studying the performance of different types of building systems and how they perform in high winds and severe rain.
Speaker AWe have a one of a kind research facility located in South Carolina where we have full size wind tunnel.
Speaker AWe can put full size houses in there, 105 fans.
Speaker AWe can create category three winds, we can create realistic hail storms, we can create 8 inches of rain an hour.
Speaker ASo we really are able to look at these systems and comprehensively understand them.
Speaker AAnd when we look at that and we say where does the damage start and how does it escalate?
Speaker AThe most vulnerable system in the house is your roof.
Speaker CYeah.
Speaker CIt's shocking and it again, it's one of those things that there are roof systems out there that are extremely durable.
Speaker CYou just have to know which ones you're looking at to make that choice and have a roofer that's going to spend the time and walk you through why that's such a good system.
Speaker AYeah.
Speaker AYou either have to really be able to trust your roofer that they're going to, they're going to give you the best advice that's out there.
Speaker AAnd there's a lot of guys that are very conscientious guys and gals that are very conscientious about that.
Speaker AOr you can look at something like fortify, which lays out for you.
Speaker AHere's all the things you really want your roofer to do.
Speaker AYou don't have to be an expert and talk to somebody like you're in the trade.
Speaker AYou just have to say, hey, I know about this fortified thing.
Speaker AHere's their checklist.
Speaker AI'd like my roof to check all these boxes so we can we solve a lot of those, those communication challenges and those technical issues for homeowners.
Speaker AAll they have to say is, I want a fortified roof.
Speaker ABut to your point, I think one of the things that you mentioned.
Speaker AAnd I think it's a very typical way that folks look at their roof, but they're primarily focused on the COVID because that's the thing that they can see and it's doing the heavy lifting.
Speaker ABut really what makes a roof system durable is the entire system.
Speaker ASo it's everything that, from the roof deck, which is connected to the, either the rafters or the trusses that make up the structural components of your roof, how that is attached, how thick is that, then on top of that, there should be a redundant layer of roofing that creates what we call a sealed roof deck.
Speaker ASo a lot of times in modern houses, especially now, we have these big four by eight sheets of roof sheathing that come together.
Speaker AAnd every time you have two sheets coming together, you have a seam.
Speaker AAnd because of the way mother Nature works, when humidity increases or decreases, those sheets expand and they contract.
Speaker ASo we have to, as contractors, leave a gap in there to allow that to happen.
Speaker ASo you don't have unfortunate cosmetic issues, you don't have performance issues.
Speaker AThose gaps provide a, an unfettered pathway for water to get into your house if the primary roof cover is lost.
Speaker AAnd so we talk about, we talk about sealing up the roof deck, and we've got five different techniques for doing that.
Speaker ASo you don't have to just be married to one specific thing.
Speaker AThere's lots of options depending on where you are, what kind of roofing you're using, what climate zone you're in.
Speaker AThere's lots of ways you can achieve a sealed roof deck.
Speaker AThe most important thing is you get one that you have one.
Speaker CYeah.
Speaker ABecause our studies have shown that roof coverings, they fail.
Speaker AAnd unfortunately they fail in events that are below what they're technical design level is.
Speaker AAnd once that happens, if you don't have a sealed roof deck, a typical underlayment that's installed, it goes to, and now that exposes that roof deck.
Speaker AAnd we did a study once that showed that for every inch of rain an hour that falls on a bare section of a roof deck, not the entire roof deck, a bare section of the roof deck that can allow nine bathtubs of water to come into your house.
Speaker AFor every inch of rain that falls where you are in the country, you guys get a lot of rain.
Speaker CYeah, absolutely.
Speaker CAnd what's interesting, and it's sometimes not even the fault of the roofing system that's up there, maybe it's the neighbor's patio furniture that got caught in the wind, gets the edge of the house.
Speaker CNow you've damaged the drip edge or whatever and the wind's getting underneath it and then mother nature takes it the rest of the way and then you've got a water feature coming into your living room.
Speaker AYeah, you're right.
Speaker AThe secret to a fortified roof is, you know, basically three steps that can be summarized is nail it down, seal it up, lock it in.
Speaker ANailing it down refers to that roof deck.
Speaker AMaking sure that's properly attached and it's not going to go anywhere.
Speaker ASealing it up we've already talked about, but the locking it in piece is the edges.
Speaker AIt deals with how the edge details are done.
Speaker ANo matter what your roof shape is, whether you have a gable end roof shape, you got a hip roof or some of the other more complex and exotic sort of roof shapes that we see out there, wherever you come to an edge or a ridge, okay, that's where the highest pressures are going to be exerted on your roof by the wind.
Speaker AAnd so they're very vulnerable.
Speaker AAnd if you, if you're not paying attention to those details, as a lot of people do, they gloss right over that stuff.
Speaker AIf you're not paying attention to those details, you're right.
Speaker AYou can have damage that gets started for some reason and once it starts, it just escalates from there.
Speaker CYeah.
Speaker CI can't tell you how many videos I've seen on social media where guys doing roof tear offs and they're pulling like a full square of shingles off at one time because they weren't attached correctly.
Speaker CIt looked like it was the easiest tear out ever.
Speaker CAnd that's just an installation area error where they made a mistake but at some point down the road.
Speaker CBut I really like what that system and what you guys are doing and I think we should talk a little bit.
Speaker CLet's jump off materials for a minute and talk about fortified home and really what that is.
Speaker CBecause what you guys are doing I love because it's not a.
Speaker CYou're not one manufacturer out there pitching a product.
Speaker CYou're out there pitching better products for a home independently.
Speaker CAnd I love that you have multiple options and multiple solutions to make somebody's house more durable in a storm.
Speaker BIf you are new to the show, you can find out more about us@aroundthehouse online.com we will be right back with more from Fred Malik around the House.
Speaker BWe'll be right back.
Speaker BWelcome back to the around the House Show.
Speaker BEric G. Is down at Design and Construction Week in Orlando finding the best new products for your home.
Speaker BHe will be back next week.
Speaker BNow let's get Back to our previous conversation with Fred Malik, managing director of Fortified for the Insurance Institute for Business and Home Safety.
Speaker BLet's continue the conversation.
Speaker CWhat you guys are doing I love because it's not a.
Speaker CYou're not one manufacturer out there pitching a product.
Speaker CYou're out there pitching better products for a home independently.
Speaker CAnd I love that you have multiple, multiple options and multiple solutions to make somebody's house more durable in a storm.
Speaker AYeah.
Speaker ASo we are, as a 5013c nonprofit research organization.
Speaker AOur focus is really how do we learn what we have to know about making buildings more durable and then how do we get that information out to people when.
Speaker AAt the right time, when they're making important decisions?
Speaker ASometimes you may be making a decision today that you're not going to have an opportunity to revisit for 10, 15, 20 years.
Speaker AFor example, if you're putting a new roof on today and you don't know about Fortified, tomorrow you learn about Fortified.
Speaker AYou're not reroofing for, you know, at least a decade.
Speaker ASo it makes it very difficult to accomplish something affordably if you, if you're not aware.
Speaker ASo we're trying to push that information out.
Speaker AThat's what Fortified really is designed to be, is a way to get information out to the folks that need it, when they need it.
Speaker ABut Fortified is based on the science that we do at, at ibhs.
Speaker AAnd we've looked at how buildings interact with these severe weather events, and we've identified what is the hierarchy, what happens first at the and most frequently at the lowest intensity of wind and rain.
Speaker AAnd then how do we ratchet up the level of resilience as we get to those less frequent but more severe storms.
Speaker AAnd so we put together the Fortified program that is meant to walk alongside the local building code.
Speaker AWe're not a building code replacement because our mission is to focus on some very specific things in the house.
Speaker ASo we don't deal with things like H vac and plumbing, electrical, that kind of stuff.
Speaker AWe deal with what is making your roof vulnerable to wind and rain.
Speaker AHow can we secure that building envelope, things like that.
Speaker AFortified is broken down into three, three pieces.
Speaker ARoof, silver and gold.
Speaker AWe've already talked a bit about roof.
Speaker AIf you want to improve your resilience, then you get to your openings.
Speaker AAnd that's where we talked about garage doors.
Speaker ARight.
Speaker AFocusing on your garage door, especially if you're away from the coast, the most important opening in your home is going to be that garage door.
Speaker AThat's the one you're going to want to focus on the most.
Speaker ABut if you are closer to the coast, then you start to look at things like windows, egress and ingress and egress doors or personnel doors in and out of the house, attached structures like porches and carports, how are those attached to the house, things like that.
Speaker AAnd then if you want to have the supreme level of resilience, that's where you go to gold, Fortified gold.
Speaker AAnd fortified gold builds on roof and silver and adds that continuous load path we talked about earlier.
Speaker ARight.
Speaker ASo now we're really looking at how is the load path designed and how is.
Speaker AAre the.
Speaker AThe connections, how are they executed?
Speaker AAnd one of the other things that makes fortified a little bit different than, than what you may be used to, especially if you're someplace that doesn't have a lot of code enforcement, which is a good bit of the country.
Speaker AFortified includes a verification step.
Speaker ASo we train independent evaluators across the country.
Speaker AWe're in 27 states now, over 60,000 homeowners living under fortified roofs.
Speaker ANow, we'll do another 15 to 17,000 this year, but we train independent evaluators.
Speaker AWe also train roofing contractors to know how to install fortified roofs.
Speaker ABut the evaluators partner up with the homeowner and the contractor.
Speaker AThey collect documentation during the construction process, whether it's a re roof or it's a new construction job.
Speaker AAnd at the end of that, similar to what you may be familiar with when it comes to LEED or Energy Star, they bundle up all that information.
Speaker AThey send that up to me and my team, and we have a staff of experts that looks at every single job, reviews every single picture, and says, hey, you know what?
Speaker AThis meets the fortified standard.
Speaker AWe send out a certificate.
Speaker AAnd that certificate then can unlock things like lower insurance rates more.
Speaker AIt can give you more choices when it comes to property insurance.
Speaker AThere's tax incentives, and for most people, it gives you the ability to communicate to a potential buyer, hey, my house has these improvements built in.
Speaker AAnd this certificate tells you that you can count on the things that are there.
Speaker ASo that's.
Speaker AThat's fortified in a nutshell.
Speaker CYeah.
Speaker CAnd it's amazing.
Speaker CA lot of people, we've got people all coast to coast in the country that listen to this radio show and podcast and worldwide.
Speaker CBut I think a lot of people think of you guys as the.
Speaker CYou're the Gulf coast states group, but you deal with wildfires and everything else.
Speaker CAnd on the west coast, that's a common occurrence for us here.
Speaker CAnd even, shockingly, I think, for the world Hawaii last year.
Speaker CAnd there was such a great example of seeing the flyovers of the devastation there.
Speaker CBut then you see a home or two that are virtually untouched, and everything else you can't even tell, except for some concrete foundation, that something was even there to begin with.
Speaker CAnd it really shows how planning ahead on the building side of things can make a difference of the house standing or not being a sign of it.
Speaker AYeah, I think that the important thing, too, to know is that you don't have to be building new to get to be resilient.
Speaker AThere are things you can do to fortify or make your home.
Speaker AWildfire Prepared.
Speaker AOur sister program, which you just referred to, is called Wildfire Prepared.
Speaker AAnd it follows a very similar sort of philosophy that we do on the fortified side, but it really says, what is the thing that poses the most risk and what can we do about it?
Speaker AAnd on the wildfire side, by the way, I didn't mention it earlier, but at our research center, we actually can burn stuff, too.
Speaker AWe could create ember showers in our test chamber, and we can really understand how wind impacts the flow of embers around a house, how radiant heat and how the proximity of different types of fuel can interact with the building.
Speaker ABut on the wildfire side, Lahaina provided a really clear and stark example of how important that first zero to five feet happens to be around your house.
Speaker AThat's where a lot of combustible material tends to accumulate around our house.
Speaker AAnd if you have those fuels up close, your home is really vulnerable.
Speaker AAnd that's going to create.
Speaker AIt's going to require a change in how we as consumers and homeowners think about our property, because we love to have beautiful stuff right up close to our house.
Speaker AWe don't want it to be.
Speaker AWe don't want it to be unattractive from what we're traditionally used to.
Speaker ABut if you really want to.
Speaker AIf you really want to take control and minimize your risk, we really got to think about that.
Speaker AZero to five feet.
Speaker CYeah.
Speaker CThose beautiful evergreen shrubs and landscape bark.
Speaker CAnd even just lack of maintenance can be the difference of having a beautiful home and filing an insurance claim for the whole home, for the whole thing.
Speaker AYou know what?
Speaker AYou just said something that's super, super important, Eric, and that is this concept of maintenance and deferring maintenance.
Speaker AThe.
Speaker AWhen it comes to an existing home, whether you're trying to resist high wind or rain, or you're trying to resist wildfire types of scenarios, homeowner maintenance plays a big role in landscape maintenance.
Speaker AIn particular, when it comes to wildfire.
Speaker ABut lots of folks may be listening to this and saying, you know what, I'm not building a new house anytime soon.
Speaker AInterest rates are pretty high and I'm not sure when I'll be able to afford to do that.
Speaker AIf you're an existing home, you may not be moving anytime soon.
Speaker AYou're looking at how do I harden my house that I'm in today?
Speaker AAnd there's a lot of DIY stuff that you can do to help to minimize the potential impact of severe weather.
Speaker AIt does not necessarily take a reroof to do it.
Speaker AAnd we have some really great resources for folks.
Speaker AWe have a website called ibhs.org if you go to ibhs.org we have on our website things called the Thunderstorm ready guides.
Speaker AAnd in there there's a list of things that you can do.
Speaker AJust as a couple of examples if you're really worried about wind and rain.
Speaker AAnd as we've talked about, everybody should be a couple of things that really stand out.
Speaker AOne is take a walk around your house and look to see if you see any gaps around your windows, your doors, things like caulking.
Speaker AA small opening can allow a tremendous amount of water in.
Speaker AAnd unfortunately what we see is once water gets in, the cascade of damage and the and the amount of financial loss that can occur grows rapidly.
Speaker ASo even those small gaps just going around with a tube of caulking and caulking those gaps is a really great way to to minimize wind and rain risk.
Speaker AAlso helps out with wildfire, to be honest with you, because embers just need a small little area to get into something that is combustible.
Speaker ACaulking is one thing.
Speaker ATaking a walk around your house, trimming up your trees, cleaning up debris, making room in your garage for your car to get back in there.
Speaker ARight?
Speaker AHow many of us have accumulated stuff in our garage and our car can't go in?
Speaker ABut if your car's sitting outside and the hail storm comes, you're going to be looking at some pretty serious damage.
Speaker ASo just those kinds of things and what makes it super friend DIY friendly is these are things you can do in small chunks.
Speaker AYou don't have to do it all.
Speaker BIf you are new to the show, you can find out more about us@aroundthehouse online.com we will be right back with more from Fred Malik, managing director of Fortified for the Insurance Institute for Business and Home Safety.
Speaker BAround the House.
Speaker BWe'll be right back.
Speaker BWelcome back to the around the House Show.
Speaker BEric G. Is down at Design and Construction Week In Orlando.
Speaker BOrlando.
Speaker BFinding the best new products for your home.
Speaker BHe will be back next week.
Speaker BNow let's get back to our previous conversation with Fred Malik, managing director of Fortified for the Insurance Institute for Business and Home Safety.
Speaker BLet's continue the conversation.
Speaker AObviously, property insurance has a place in the market.
Speaker ARight.
Speaker AIt has a role to play.
Speaker AAnd there are some risks that, you know, when it comes to mitigation, the gap between what you're able to do and what may happen.
Speaker AInsurance is there to take care of that.
Speaker ABut we can really, as homeowners and consumers of insurance, we can really help out what we pay or what might be available to us by taking care of those smaller risks.
Speaker ARight.
Speaker ATaking care of those things that most people take for granted that small things might happen.
Speaker ABut enough of those small things occur over a wide enough area and it ends up in a billion dollar loss for a storm that didn't make any headlines.
Speaker AAnd that's, that's the crazy part.
Speaker AIf we keep our focus on what are the things we can do, then there, there's a, there's opportunities to help us with the risks that are maybe a little bit further, a little bit more comprehensive to deal with.
Speaker ABut storm shelters, to your point, one of the things that, that is really encouraging to see.
Speaker AThere's a lot of innovation going on in that space.
Speaker AThere's a lot of ways that you can create storm shelters either in a closet or in a garage or an exterior shelter.
Speaker ASo people should definitely, if you happen to be in an area that's particularly prone to severe convective storms, which is the fancy word for storms that can spawn tornadoes, storm shelters are definitely something to strongly consider.
Speaker CYeah, that's smart.
Speaker CAnd to highlight your point earlier, of maintenance, I have 13 of those big trees in my yard.
Speaker CI didn't lose a single one of them.
Speaker CBut I have an arborist out almost every year that walks through and takes a peek at stuff to make sure things are looking good.
Speaker CYeah, I've got a dump trailer full of limbs, but that's an easy cleanup compared to severe damage like that.
Speaker CSo my trees did well because I had a guy come out and look at them every year.
Speaker AYeah, you can't, you can't.
Speaker AThere is no substitute for preparedness and taking, taking action to, to really understand, hey, do I have something I need to be worried about?
Speaker AAnd sometimes that means you got to get it professional.
Speaker ANow look that it's not all always the case.
Speaker AResilience can be affordable for everybody.
Speaker AAnd, and part of what we try to do through our Science and through our programs is say, hey, when you are thinking about managing your risk and making your home or your business more resilient, here's the priorities that you should have.
Speaker AThese are the things that you should be thinking about.
Speaker ABecause nobody wants to see somebody who's really focusing on preserving their economic capabilities wasting their money on something that they just maybe shouldn't have to spend their money on.
Speaker AThat right now, if they, those dollars would have been better allocated if they could have focused on say, their roof versus installing some sort of additional load path enhancement for a storm that they might not see for a decade versus one that they're going to see every single year.
Speaker AThat's the other benefit of a program like Wildfire prepared or fortified is we've already done the hard work to say what should my priorities be?
Speaker AAnd then we stack them so that people know what to do.
Speaker AYeah.
Speaker COne thing I wanted to talk about, and that's the great thing that we haven't really addressed too much is windows.
Speaker CBecause again, that's another big opening into your house.
Speaker CAnd it doesn't matter if you've got a West coast windstorm or you're down on the Gulf coast or you're up waiting for the nor' easter or even the hurricane going up the East Coast.
Speaker CThese are important openings that again, can lead to more damage.
Speaker CAnd I love what they've been doing in the Gulf coast states as far as having very impact resistant windows that'll.
Speaker CIf something gets loose out there, it hits the window that you haven't just created a big freeway into your, into your living room, for instance, with wind there.
Speaker AAgain, in the Gulf coast, in particularly in places like Florida and places where the most modern codes are enforced and being enforced.
Speaker AWe've been looking at design pressures and impact rating for a long time.
Speaker AWhy is design pressure important for a window?
Speaker AAgain, when that wind is pressing against that window and rain is blowing against that window, the pressure that builds up on that window can force the water in.
Speaker AAnd so there are tests to help minimize that.
Speaker AIt doesn't necessarily eliminate water getting in that way, but there are tests that say, hey, this has been pressure rated.
Speaker AAnd if you know what your design pressure rating should be because of the risk that you're likely to face, then you can ask specifically for those kinds of, of components.
Speaker ASame goes for doors, but those openings, one of the big things that really needs to be paid attention to is installation.
Speaker ARight.
Speaker AYou can have the best window in the world.
Speaker AYou can have the best door.
Speaker AI know I'm preaching to the choir.
Speaker ABut when I go out and I look at these post disaster scenarios, or even when I'm out on a sunny day and I'm walking through jobs that maybe aren't following Fortified or whatever, I see some really questionable installations in flashing.
Speaker AThe concept of flashing, I don't know how we are still so far behind the curve, I'm telling you, but making sure that the openings get set correctly, make sure that you're layering your drainage plane, your house wrap or whatever features that you're using to create that secondary drainage plane.
Speaker AAnd then there's so many great products in terms of flashing tapes that are out there that are specifically designed to be on the wall.
Speaker AAnd in those window openings in particular, there's just a, there's a lot of technology, A lot of innovation has happened in that space to make our jobs as builders way easier on that front.
Speaker ABut what really it comes down to is devil's in the details.
Speaker AYou've got to pay attention to details, Fred.
Speaker CIt's funny, when I tell people in the shopping for windows, they're like, okay, what should I look for?
Speaker CI said, one of the first questions I want you to ask your installer is what brand of flashing they're using.
Speaker CAnd I want to see there with the window specs in your contract.
Speaker CBut they're going to be following that brand's best practices on flashing that window correctly.
Speaker CBecause I can't tell you how many times I'm walking the dog in the neighborhood and I'm like, wow, that's beautifully done.
Speaker CAnd then four houses down I'm like, somebody missed flashing day.
Speaker AYeah, no kidding.
Speaker AYou hit another really good point there.
Speaker AAnd that is manufacturers put a lot of time and energy into figuring out how to make sure they're putting product will perform the function is designed to perform.
Speaker AAnd they put out lots of details.
Speaker AAnd if you follow those details, you're going to get a great performing product in the majority of cases.
Speaker ASo all the hard work of figuring out how do I install this product?
Speaker AIt's all there.
Speaker AYou just got to be able to be committed, right?
Speaker AYou got to be intentional.
Speaker AAnd when we talk about resilience as a whole, as a building industry, we really have to be in order for us to make the building environment and our building stock more resilient, we as building professionals need to be intentional.
Speaker AWe have to make a conscious choice that we're not going to just follow the code, which is the legal limit, right?
Speaker AThe minimum limit you can build to.
Speaker ABut if we want to really deliver that Shelter that's going to last a lifetime for our customer and potentially generationally, which over in Europe we've seen that done for hundreds of years at generational housing.
Speaker AIf we want to do that, we have to really be making decisions that are going to lead to preventing simple stuff like water.
Speaker CAnd Fred, I want to say this just so people can really have it sink in and you touched on it.
Speaker CI just want to make sure and put an exclamation point on the end of this.
Speaker CWhen I'm looking at windows, siding, indoors and actually roofing, if I want to put that on there, 60% of the performance is in the person putting it in.
Speaker AThere's some, there's a lot of truth to that in a lot of products.
Speaker AThere are some products that have some built in vulnerabilities and we may have some more to say about that later this year.
Speaker AKeep a.
Speaker AIf you're listening to this show and you're interested in the kinds of things that we're talking about, keep an eye on ibhs.org keep an eye on Fortified Home and and we share all of our information for the most part for free.
Speaker AAnd we will, we'll share some stuff later this year about what we were learning about different kinds of roofing materials and different expectations people might want to have.
Speaker ABut yeah, more to come on that later.
Speaker CExcellent, Ben, excellent.
Speaker CWe're starting to run out of time here.
Speaker CI want to put a nice bow around this.
Speaker CIf people are thinking about building a home, what's their first steps to be working with you guys?
Speaker AYeah.
Speaker AFirst thing they want to do is go to fortifiedhome.org and take a look at the standard.
Speaker AAnd if you're working in a design phase or you're interviewing contractors, take the standard and ask them to take a look at it and tell you what do they currently do.
Speaker AAnd you need to tell them, hey, this is what else I would like you to do.
Speaker AAnd the other thing that they need to do, the 1B step, 1B in the process is we have a free provider network directory and you can click on that and find a professional in your area, particularly the fortified evaluator.
Speaker AThat's your partner, that's who's going to document your project.
Speaker AAnd you want to find one of those really early in the process because they can help you understand what's going to be required and how we need to document it.
Speaker CAnd if you're in a Wildfire zone, does the same rules apply?
Speaker AYeah.
Speaker ASo out in California, the Wildfire prepared.
Speaker AWe have a really cool website out there.
Speaker AWildfireprepared.org and you can again find there's a really clear set of instructions on how to start that process and get an inspection done, particularly if you're in an existing home.
Speaker ABut the standard is up there for anybody to see.
Speaker AIt's a free download.
Speaker CThat is awesome because it doesn't matter if you're taking on a small remodel project or building a new home.
Speaker CThis is important stuff that can one save you a bunch of time and money and a little peace of mind along the way?
Speaker AYeah, more than a little peace of mind.
Speaker AIt can give you a lot of back of mind.
Speaker CAbsolutely.
Speaker CHey Fred, thanks for coming on today.
Speaker CLet's hit your website one more time so people can find that and do their own research and get educated on the the process.
Speaker AYeah.
Speaker ASo two important websites.
Speaker AIbhs.org take a look at our thunderstorm ready guides for homes and commercial businesses.
Speaker AAnd if you're interested in taking a look at Fortified, go to FortifiedHome.org Fred.
Speaker CThanks for coming on today, man.
Speaker CI appreciate what you guys are doing and it's making a huge difference out there.
Speaker AThanks, buddy.
Speaker AAppreciate the time and your audience here.
Speaker CAll right, everybody, you've been listening to around the house.
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