According to the Institute for Business and Home Safety (IBHS), roof cover damage continues to be the largest, most frequent source of non-surge related failures related to hurricanes1. In response, roof covering manufacturers have provided a multitude of products that have demonstrated through independent testing to be able to withstand design event forces. However, it is apparent in the wake of recent windstorm events that much is lost in translation between the idealized laboratory setting and an actual constructed roof. This article will provide a brief review of the current codes, design, and selection process. It will also present a number of common construction-related defects that result in the loss of millions of dollars annually.

The selection of the roof covering in a hurricane-prone region would likely start with the locally adopted building code. For most of the U.S., the building code is likely a recent version of the International Building Code2  with local- and regionally specific, amendments. Some jurisdictions—Florida, for example—have specific codes that apply. The purpose of the code is to set a minimum standard of construction and design for the purpose of life safety. It typically does not purport to address other aspects of the functionality of the roof that might include resistance to water infiltration, service life expectations, hail resistance, and other functions that the facility owner may also require. Another distinction to make is that codes, especially those related to commercial buildings, have become less prescriptive and more performance-based in the last few decades. The code dictates the design criteria but not the number of fasteners per square foot.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2023 ALM Global, LLC. All Rights Reserved.