Florida insurance regulators have developed a new Home Structure Rating System to gauge vulnerability to windstorm damage for insurers.
Under the HSRS system–crafted under a mandate from the state legislature–the primary factors used to calculate a home's score include roof shape, secondary water resistance, roof cover, roof deck attachment, roof-to-wall connection, opening protection, number of stories and roof covering type, in addition to general geographic features of wind zone location and local terrain.
Regulators worked with the University of Florida's Shimberg Center for Affordable Housing and Applied Research Associates to complete the study and issue its findings.
The report was also approved by an HSRS Advisory Board, which included insurance and mitigation experts as well as home builders. Among the members was George Grawe, a general counsel for Allstate, who represented the Florida Insurance Council.
Under HSRS, homes would receive a score between 1 and 100 based on vulnerability in a severe windstorm.
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