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SoWalSally

Beach Fanatic
Feb 19, 2005
649
49
BY TOM MCLAUGHLIN FLORIDA FREEDOM NEWS

Wind-borne debris has again become a topic of discussion in Tallahassee, and state and local building association members don?t like it.
The Building Industry Association of Okaloosa and Walton Counties opposes legislation that would require Northwest Florida homeowners living within three miles of the coast to armor their homes against windborne debris.
Presently, thanks to an exemption put into state building code laws passed in 2001, only those local homeowners within a mile of the beach are required to armor against flying debris.
State Sen. Charlie Clary, R-Destin, wrote in the exemption, arguing that no hurricane with winds of 130-140 mph had ever hit Northwest Florida.
Building industry officials say recent blows from hurricanes Ivan, Dennis and Katrina show how well the area?s structures built under the existing building codes can withstand high winds and flying objects.
There is no need to extend the wind-borne debris zone, and doing so would only raise home prices, they said.
?Every newspaper, every editorial writer, thinks if we don?t do it, people are going to die,? said Dan Gilmore, the immediate past president of the Florida Homebuilder?s Association. ?I think that?s pure (expletive).?
Paul Hartzog, a builder and former president of the Building Industry Association of Okaloosa and Walton Counties, said the areas most impacted by pushing the existing wind-borne debris zone two miles north are those where affordable housing can still be found.
?Affordable housing as we know it is going to be gone,? Hartzog said.
Two local representatives, Don Brown, R-DeFuniak Springs and Dave Murzin, R-Pensacola, are among the primary advocates for moving the debris zone inland.
?I don?t believe, based on our experience with Ivan, Dennis and Opal, that we can any longer justify the exemption,? Brown said. ?If we?re going to have people in our area build closer to the gulf than we ought to, at least allow those people protection.?
Murzin sponsored the bill, which includes several ?tweaks? to the Florida Building Code. He said he decided to do so in order to have better control over the aspects of the legislation that impact Northwest Florida.
He said he?d also joined Clary in offering an amendment that would push back the implementation date for the new windborne debris guidelines.
The delay in changing the map is to allow for ?education? on how the new wind-borne debris guidelines will impact builders and residents, Murzin said.
The local business association put out a news release recently that claims ?removal of this exemption will add a minimum of $14,000 to the construction cost of a 2,000-square-foot home.?
That estimate is based on a $6,000 additional cost to install impact-resistant windows and another $8,000 to add impact resistant garage and entry doors, the release said.
Brown said he doubts the validity of the building association?s numbers.
?I think that number is absolutely exaggerated,? said Brown, who works in the insurance industry. ?I have seen other data to contradict that.?
Murzin said home buyers would save more in the long run from lower insurance premiums than they would pay on the front end for homes built to the Florida Building Code standard.
Hal Greer, the executive vice president of the association, could not be reached for comment Monday.
Hartzog said the greatest advocates for lifting Northwest Florida?s wind blowndebris exemption are those who stand to make money from its removal.
?This whole thing comes down to politics,? he said. ?The people bending these legislators? ears are the people selling the products, the people who make storm shutters, windows and other stuff.?
 

Uncle Timmy

Beach Fanatic
Nov 15, 2004
1,013
31
Blue Mountain Beach
Let me help clarify a few things with regards to the "Wind Borne Debris Zone"

Wind borne debris zone is simply the area in which buildings are required to provide protection for doors and windows. This is not to be confused with the state's wind LOADING requirements which effect the structural requirements.

Although the code mandates that the 'Wind Borne Debris Zone' extend a mile in from the coast, all our local counties have more detailed maps showing where their 'Wind Borne Debris Zone' extends and they are all inland of a mile. (For example, Okaloosa County's zone extends to Hollywood Blvd in FWB.)

The $14,000 minimum upcharge per house to protect doors and windows is not correct. No one is required to use 'impact resistant' glass- you may protect your windows using storm shutters which can be as simple as removable metal or plywood panels. (These need to be on site and ready to install before you can get a occupancy permit).

Now for my opinion on the matter:

I support the extension of the 'Wind Borne Debris Zone' to a point approximately 3 miles from the coast. This would include the area where our newest and more expensive housing is located. It will simply force people to do what the ought to be doing already -adequately protecting their homes against storm related damage.
 

DBOldford

Beach Fanatic
Jan 25, 2005
990
15
Napa Valley, CA
We obtained two estimates for retrofitting our home with storm shutters and the lower of the two came in at $45,000. That was two years ago. Do the math and follow the money. Look at who is pushing this. I'm not arguing this wouldn't be a good idea, mind you. But so would equipping every residential structure with sprinkler systems for fire suppression. But it's too expensive. One has to weight the cost benefits.
 

Uncle Timmy

Beach Fanatic
Nov 15, 2004
1,013
31
Blue Mountain Beach
Donna said:
We obtained two estimates for retrofitting our home with storm shutters and the lower of the two came in at $45,000. That was two years ago. Do the math and follow the money. Look at who is pushing this. I'm not arguing this wouldn't be a good idea, mind you. But so would equipping every residential structure with sprinkler systems for fire suppression. But it's too expensive. One has to weight the cost benefits.

I agree, but in this case a homeowner can do the following:

As per Florida Building Code 2004:

"Section 1609.1.4 Protection of Openings.

1. Wood structural panels with a minimum thickness of 7/16 inch and a maximum span of 8 feet shall be permitted for opening protection in one and two story buildings. Panels shall be precut to cover the glazed openings with attachment hardware provided."

I always hate to see folks running around at the last minute, buying plywood as a storm approaches. Extending the wind borne debris zone inland will require more people to pre-cut and store their shutters. It need not require a great deal of additional expense.
 

ecopal

Beach Fanatic
Apr 26, 2005
261
7
twt512 said:
I agree, but in this case a homeowner can do the following:

As per Florida Building Code 2004:

"Section 1609.1.4 Protection of Openings.

1. Wood structural panels with a minimum thickness of 7/16 inch and a maximum span of 8 feet shall be permitted for opening protection in one and two story buildings. Panels shall be precut to cover the glazed openings with attachment hardware provided."

I always hate to see folks running around at the last minute, buying plywood as a storm approaches. Extending the wind borne debris zone inland will require more people to pre-cut and store their shutters. It need not require a great deal of additional expense.

I agree.


To comply all we did is precut plywood which cost us about $300. That is far less than the over $45,000 cost as one poster implied. The most expensive link in this is paying local workers to put up the plywood if I am not home.


Sen. Clary ignores the fact that inland homes are more prone to spin off tornadoes in a hurricane than structures closer to the Gulf. Also he overlooks the strong probability that global warming is and will increase the frequency and strength of hurricanes.

By not adding a few hundred $s to the cost of a home could well mean that house would sustain significant unnecessary damage. This not only hurts the home owner but also puts a burden on the florida wind insurance pool/Citizens which also impacts all of our insurance rates.

If I were building a house now I would tell my builder to follow the most stringent code available. I would also check with insurers to see what discounts are available. Currently you can save hundreds of dollars of discounts for having such things as approved shutters or high impact windows, a hip roof, or if your house was built to the new March 2002 code.
 

Chickpea

Beach Fanatic
Dec 15, 2005
1,151
366
30-A Corridor
ecopal said:
I agree.


To comply all we did is precut plywood which cost us about $300. That is far less than the over $45,000 cost as one poster implied. The most expensive link in this is paying local workers to put up the plywood if I am not home.


Sen. Clary ignores the fact that inland homes are more prone to spin off tornadoes in a hurricane than structures closer to the Gulf. Also he overlooks the strong probability that global warming is and will increase the frequency and strength of hurricanes.

By not adding a few hundred $s to the cost of a home could well mean that house would sustain significant unnecessary damage. This not only hurts the home owner but also puts a burden on the florida wind insurance pool/Citizens which also impacts all of our insurance rates.

If I were building a house now I would tell my builder to follow the most stringent code available. I would also check with insurers to see what discounts are available. Currently you can save hundreds of dollars of discounts for having such things as approved shutters or high impact windows, a hip roof, or if your house was built to the new March 2002 code.

Agrred with TWT and Ecopal.

We got an 18% discount with Citizens for purchasing hurricane shutters and we calculated that shutters paid for themselves in +/- 5 years - a no brainer for us as we want to keep our house for longer than that. (we paid about $5,000 in Miami though - not here)

Plywood is a viable option for those not wishing to invest a lot but it is awful having to run around in a crisis trying to find adequate quantities.

We would all be MUCH better off from skyrocketing insurance costs and debris damage if most people did what they could afford to do to protect their property. Do not mean to be callous but there is a price to pay for living along coast.
 

beachmouse

Beach Fanatic
Dec 5, 2004
3,499
741
Bluewater Bay, FL
If you go the plywood route, definitely get what you need in mid-June when the builder's supply store has an adequate supply of the cheapest stuff on hand. During the Ivan prep frenzy, there were people using the $50/sheet indoor furniture grade plywood to board over their windows because that was all Home Depot had left for sale, and that was even after HD had gotten some insanely huge shipments of the cheap stuff into the area in an attempt to meet demand.

Do not use oriented strand board. That stuff doesn't do well when it gets wet.
 
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