If you have a secondary property in the US that is prone to high winds, hurricanes, or tropical storms, you know that those types of events can be devastating but some of the risks can be mitigated if you take proactive steps to protect your home. Below are a few things you can do to help minimize wind and water damage from hurricanes and other storms.
Install metal connectors from the top down
Talk to your contractor about installing metal connectors that tie your home’s roof to wall and walls through the flooring to your home’s foundation. For example, the exterior and roof framing should be constructed with structural panels securely fastened by code-approved hurricane straps and other metal connectors. Properly anchor porches, decks, and other attached structures, as strong winds can lift them away leaving an opening in your home. Use impact and wind-rated materials for roof coverings, exterior siding, doors, windows and skylights. By combining these features, you can make a strong continuous load path for your home to help it resist uplift and damaging wind forces.
Protect the “envelope” of your home.
The outside or envelope of your home includes siding, roofing, window and doors. Without adequate protection, wind and debris can penetrate those openings, causing pressure within the house to lift up the house or roof and cause structural damage or failure.
Talk to local dealers and installers of storm shutters and impact-resistant windows and doors about the most appropriate options for your home.
Make sure the materials you use are rated or approved
For the best protection from high winds or wind-driven rain, look for applicable ratings and standards on the materials you use, including some of the following:
Take additional steps to prevent damage
This article is advisory in nature and is offered for informational purposes only as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. The information contained in this document is not intended as a substitute for legal, technical, or other professional advice, nor is it intended to supplant any duty to provide a safe workspace, operation, product, or premises.
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