OPEN COMPETITION STATES
States where insurance companies can set new rates without prior approval, although the state’s commissioner can disallow them if they are not reasonable and adequate or are discriminatory.
The protection of windows and glass doors from flying debris is one of the most basic and effective means of reducing losses in a windstorm.
Class A (Hurricane Impact) – All exterior wall and roof openings in buildings (doors, windows, skylights and vents, other than roof ridge, gable, soffit and plumbing vents) must be fully protected with impact resistant coverings (e.g. shutters), impact resistant doors, and/or impact resistant glazing that meet the requirements of one of the following:
- ASTM E 1886 and ASTM E 1996(Missile Level C – 9 lb);
- Miami-Dade PA 201, 202, and 203; or
- Florida Building Code TAS 201, 202 and 203.
1 to 4 unit buildings only - Class B (Basic Impact) - All exterior wall and roof openings in buildings (doors, windows, skylights and vents, other than roof ridge, gable, soffit and plumbing vents) must be fully protected with impact resistant coverings (e.g. shutters), impact resistant doors, and/or impact resistant glazing that meet the requirements of ASTM E 1886 and ASTM E 1996 (Missile Level B – 4.5 lb).
Class C (Ordinary Non-Impact) – All glazed openings (windows, skylights, sliding glass doors, doors with windows, etc) must by protected with shutter devices or wood structural panels that have the following characteristics.
- Corrugated storm panels are made of Steel, Aluminum, or Polycarbonate in which individual panels are no wider than 14” and have a nominal profile of 2” of greater.
- Roll-Up shutters with aluminum slats.
- Accordion shutters with aluminum slats.
- Colonial or Bahama shutters with all the following features:
- Heavy gauge metal frames
- Extruded aluminum slats that are anchored to both sides of froma, or solid metal backing plate in place behind slats
- Structural hinges
- Mechanism to lock shutters closed during a storm
- Wood Structural Panels – (One of two story buildings) Plywood or OSB (oriented strand board) with a minimum thickness of 7/16 inches and maximum panel span of 8 feet. Panels must be pre-cut to cover the glazed openings with attachment hardware provided. For locations with design wind speed greater than 130 mph, attachments shall be designed to resist component and cladding loads of the FBC. For locations where design wind speed is 130 mph or less, panels must be fastened according to the Florida Building Code Table 1606.1.4 below.
Ordinance or Law Coverage
Coverage for the additional loss caused by the enforcement of laws that regulate building repair or construction.
Generally detached structures, such as a garage or tool shed, sharing property with the insured dwelling.