1. AGI LEADERSHIP FORUM James W. Russell, Ed.D. Vice President Outreach

3. 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

4. How We Do Our Job Engineering Research Communications Outreach Loss Experience Database

6. Disaster Losses  Where You Build  How You Build  Design  Construction

8. Garage Door Failure

9. Reinforced Garage Door

10. Commercial Structure Failure

11. New Commercial Structure Survives

12. Newer HUD Building Codes

13. 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

14. 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

17. We Know How to Reduce Hail Losses

18. Roof Coverings Prone to Hail Damage

19. Discontinuous Load Path: Soft Story

20. Inadequate Load Path: Building not Attached to Foundation