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Moving Beyond Disaster to Safety
Presented by William E. Mason
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Is there any place you can go that is safe from
NATURAL DISASTERS?
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Hurricanes
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Wild Fires
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Blizzards / Ice Storms
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Tornados
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Heat Waves
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Earthquakes
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Flooding
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Hurricane Andrew
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Homestead FloridaSpring of 1993
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How does this happen?
Building Codes

• 1st set of building codes established by
  Insurance companies.
• Few states have statewide building codes.
• Illinois Home of the two largest insurers
• State Farm and Allstate do not have
• Statewide building codes.

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Does FLORIDA have a statewide building code?
NO even though we have adopted the ICC code
recently, certain sections of the panhandle have
exemptions.
http//www.iccsafe.org/
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Louisiana Legislature

• Special Session
• Statewide Building Codes

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Florida a Trendsetter?
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What do you see?
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Dont Drown Turn Around
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N I M T O F
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Homeowners Insurance Special Interest Group

• Institute for Business and Home Safety IBHS
• Federal Alliance for Safe Homes FLASH
• Marshall and Swift National company providing
  data
• Alacrity National company providing methods for
  collecting data

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ASHI and FABI

• ASHI and their allied organizations such as
  FABI are slowly becoming the eyes and ears for
  the insurance industry.

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Can you measure what you have prevented?
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Homeowners Insurance Survey Forms
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Homeowners Insurance Survey Forms
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Homeowners Insurance Survey Forms
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Homeowners Insurance Survey Forms
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Homeowners Insurance Survey Forms
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Homeowners Insurance Survey Forms
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Homeowners Insurance Survey Forms
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Homeowners Insurance Survey Forms
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Homeowners Insurance Survey Forms
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Homeowners Insurance Survey Forms
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Requirements

• Passing the National Home Inspector Exam or
  equivalent.
• Continuing Education Credits
• Code of Ethics
• Insurance companies do not want Inspectors
  soliciting work

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Methods being developed to review and upgrade
forms.

• Inspectors point of view ASHI
• Insurance companies point of view - IBHS

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What is Happening Now

• Farmers Insurance 10 reduction
• Current Meetings with Insurance Companies
• Long way to go but progress is being made
• Progress Inspections for Blue Print for Safety
  and Fortified Home Programs

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This Could Have Been Prevented
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Thank You

• Please visit
• www.flash.org
• www.ibhs.org
• For copies of this presentation please visit
• www.homeinsuranceinspections.com