AGI LEADERSHIP FORUM James W. Russell, Ed.D. Vice President Outreach
Institute for Business & Home Safety Established by the property casualty insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters
How We Do Our Job Engineering Research Communications Outreach Loss Experience Database
Disaster Losses Where You Build How You Build Design Construction
Garage Door Failure
Reinforced Garage Door
Commercial Structure Failure
New Commercial Structure Survives
Newer HUD Building Codes
Building Codes Incorporate latest developments –Without strong building codes, we would have to retrofit buildings that are brand new as well as those that already exist Codes as Underwriting Tools –Leads to predictability of losses Natural disasters
Requirements Based on Durability Prescriptive CODE + requirements for any design Offers INSURER FOCUSED disaster-resistant residential construction alternatives for: –Hurricane, Tornado and other Wind –Wildfire –Hail –Moisture Intrusion and Mold –Freezing Weather –Earthquake –Flood
We Know How to Reduce Hail Losses
Roof Coverings Prone to Hail Damage
Discontinuous Load Path: Soft Story
Inadequate Load Path: Building not Attached to Foundation