The most important precaution you can take to reduce damage to your home and property is to protect the areas where wind can enter. According to recent wind technology research, it's important to strengthen the exterior of your house so wind and debris do not tear large openings in it. You can do this by protecting and reinforcing these five critical areas:
Does your home have a gabled roof? If so, the end wall of your home takes a tremendous beating during a hurricane. If not properly braced, it can collapse, causing significant damage. However, gable end walls are easy to strengthen and deserve to be a high priority on your retrofit list.
Shingles are usually not designed to resist hurricane force winds. They come with integral locking tabs or factory-applied adhesives that on occasion do not adhere properly to the underlying shingle because of cold weather installation, uneven surfaces or any number of other reasons. For increased wind resistance, have a qualified person inspect several shingle tabs to see if the adhesive has engaged. If not, use a quick-setting asphalt cement to bond them together.
Attach Roof Sheathing with Adhesive
You can also improve the uplift resistance of the roof deck from the attic -- without removing the roof covering. This is how:
• Using a caulking gun, apply a 1/4 inch bead of wood adhesive along the intersection of the roof deck and the roof support element (rafter or truss chord) on both sides.
• At places where you have limited access, such as where the roof meets exterior walls, use quarter round pieces of wood approximately two to three feet long and apply the adhesive along the two adjacent sides of the block. The length of the quarter round pieces can be longer or shorter to suit your installation needs.
• Press the wood pieces in the intersection making sure the adhesive has made solid contact with the sheathing and roof support elements.
According to static pressure tests, using the wood adhesive can increase the wind uplift resistance of the plywood roof sheathing by as much as three times the conventional method of securing the sheathing with nails. It should be available at your local hardware and building supply stores. Please ask your local hardware expert if other products are available that could provide the same strength and properties as a wood adhesive.The above information is taken from the Institute for Business & Home Safety
Roof to Top of Wall Connection
Metal hurricane straps or clips provide the proper measure of strength and safety for the roof-to-wall connection. The common practice of toenailing the trusses or rafters often is not sufficient to hold a roof in place in high winds. These clips or straps are usually very difficult to see from the attic because of insulation.
One way to protect a home from damage in wind storms is to install impact-resistant shutters over all large windows and glass doors. Not only do they protect doors and windows from wind-borne objects, but they can reduce damage caused by sudden pressure changes when a window or door is broken. Laminated window systems (plastic bonded to glass) are another option, and are a particularly good choice for either building a new home or adding to an old one.
The American Plywood Association (APA) - The Engineered Wood Association offers a series of Hurricane Shutter Designs. Each design is available for $1, or you can download all five designs from the APA's Web site at no cost.
If your residence has permanent shutters, evaluate their effectiveness. Manufacturers are responsible for testing their shutters up to the standards necessary to resist wind forces and wind-borne debris. Some shutters are very flexible, especially those that roll up.
Another way to protect your home from damage in windstorms is through the installation of impact-resistant windows and doors. Although these products look no different than standard windows and doors, they offer significantly more protection from wind-borne debris. In fact, these systems are capable of resisting impacts from large objects. For this reason, temporary shutters do not need to be installed before a storm strikes. In general, the frame and glazing work together to protect your home from both the elements and the significant internal pressure changes which lead to structural damage. While large wind-borne debris may crack the impact resistant glass during the course of the storm, the window is designed to retain its integrity and not break apart. Should either the frame or glass be damaged, it can be repaired at your convenience after the storm has passed.
SECURING ENTRY DOORS
Your home has either double or single entry doors. If they are solid wood or hollow metal they probably can resist wind pressures and hurricane debris. However, if you are not sure whether they are strong enough, take these precautions:
• Install head and foot bolts on the inactive door of double-entry doors.
• Make sure your doors have at least three hinges and a dead bolt security lock which has a minimum one inch bolt throw length.
• Since double entry doors fail when their surface bolts break at the header trim or threshold, check the connections at both places. Be sure the surface bolt extends into the door header and through the threshold into the subfloor.
BRACING GARAGE DOORS
Because of their width, double-wide garage doors are more susceptible to wind damage than single doors. Unless you have a tested hurricane-resistant door, the wind may force it out of the roller track -- especially if the track is light weight or some of the anchor bolts are not in place. This occurs because the door deflects too much under excessive wind pressure and fails.
To secure your garage door:
• Check with your local government building official to see if there are code requirements for garage doors in your area.
• Check with your local building supplier or garage door retailer to see if a retrofit kit is available for your garage door.
You should probably reinforce your double-wide garage door at its weakest points. This involves installing horizontal and/or vertical bracing onto each panel, using wood or light gauge metal girds bolted to the door mullions. You may also need heavier hinges and stronger end and vertical supports for your door.
If you decide to retrofit your garage door with a kit that allows you to operate the door after it is installed, make sure the door is balanced by lowering it about halfway and letting go. If the door goes up or down, the springs will need adjusting. Note: Since the springs are dangerous, only a professional should adjust them.
HOME INSURANCE - CHECK YOUR POLICY
Flood damage is not usually covered by homeowners insurance. Do not make assumptions.
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Elite Insurance Claims Services Corp specializes in representing consumers in the adjustment of insurance claims for both commercial and residential property losses.We have many years of experience in providing assistance to all types of insurance claims.