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 Corporation Residential Wind Only Classification Plan November 11, 2002 Presentation Agenda 1.Introductions 2.Uniform Building Code Stipulations Requirements (credit vs.. debit) Premium Credit Stipulations Effective Date 3.FWUA Current Residential Classification Plan Rating and Definitions Base Class home Construction Housing Features Mitigation Features

Citizens Property Insurance Corporation Residential Wind Only Classification Plan November 11, 2002 Presentation Agenda 4.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

Citizens Property Insurance Corporation Residential Wind Only Classification Plan 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 Plan DCA (ARA) Study Status 7.Concluding Remarks

Uniform Building Code  Florida Statute 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 Code  Florida Statute 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 Code  Florida Statute 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 TERMS Residential 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 Construction Classifications –FRAME –MASONRY –REINFORCED MASONRY

Residential Construction Classifications  FRAME Exterior 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

Residential Building Features  Two Story - any dwelling with more than one story Housing features

FWUA TERMS Residential 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 Residential Building Features

FWUA TERMS Residential Building Features GABLE

FWUA TERMS FLAT - horizontal roof with a pitch of less than 10 degrees Residential Building Features

FWUA TERMS Residential 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. Residential Building Features

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 Residential Building Features 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 Residential Building Features 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 CONSIDERED Residential Building Features CARPORTPORCH

 Secondary Water Resistance Residential Loss Mitigation

 Secondary Water Resistance A 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. Residential Loss Mitigation

 Sheathing Attachment –Superior* –Standard *Must be verified by survey Residential Loss Mitigation

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

 Roof Straps or Hurricane Clips Residential Loss Mitigation

 Roof Straps or Hurricane Clips Metal clips/straps connecting each roof rafter/truss to the side walls. Residential Loss Mitigation

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

Residential Loss Mitigation 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.

Shuttering Hurricane Ordinary Residential Loss Mitigation

Proof of Compliance Wind Protective Device

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

Wind Protective Device Ordinary 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 Device Hurricane 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.