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FM Global Design Standards
Dennis Anderson, P.E., FM Global
FM Global Client BaseFM Global Client Base
Approximately 40% of Fortune 1000 companiescompanies
Mutual company – clients are owners
Insurance without actuariesInsurance without actuaries..…
Committed to:
Knowledge developmentU d t di f h dUnderstanding of hazardsPractical cost effective solutions
FM GLOBAL VALUE PROPOSITION
Our promise is to help protect thep p pvalue created by our client’s business.
Our process is to assess and engineerOu p ocess s o assess a d e g eerisk, to help prevent and mitigate loss,and to provide capital for risk transferpurposes.purposes.
We believe that the majority of allloss is preventable.
CONTEXT: PROPERTY HAZARDS ARE REAL
T k R dTrack Record
FM Global: Research CampusFM Global: Research Campus
Fire Technology Large Burn LabFire Technology Large Burn Lab
UNDERSTANDING THE WIND HAZARD
HURRICANE FACTS
Eye Diameter: Average 15 - 20 milesEye Diameter: Average 15 - 20 miles
Eye size: NOT related to the size or strength
Hurricane force winds: Typically 25 mile radius
T i l t i d U t 175 il diTropical storm winds: Up to 175 mile radius
“WHY WE SETTLE FOR BEING VULNERABLE”
1) It won't happen.) pp
2) If it does happen it won't happen to me2) If it does happen, it won t happen to me.
3) If it happens to me it won't be that bad3) If it happens to me, it won t be that bad.
If it h t d it' b d th '4) If it happens to me and it's bad, there's nothing I can do to stop it anyway.
VULNERABLE CONSTRUCTION
BEING VULNERABLE IS A CHOICE!
BEING VULNERABLE IS A CHOICE!
TYPICAL ROOF WEAKNESSES
OTHER BUILDING WEAKNESSES
COST EFFECTIVE FIXES THAT WORK!
S f d k d S f d k d Secure building envelope Secure building envelope
Secure roof deck and Secure roof deck and flashing particularly at flashing particularly at
edges and cornersedges and corners
1
including doors and other including doors and other openingsopenings
2Take reasonable precautions in Take reasonable precautions in the hours immediately before lossthe hours immediately before loss
31 2 3
STANDARD DECK ATTACHMENT
STANDARD DECK ATTACHMENT
PERIMETER DECK ATTACHMENT
CORNER DECK ATTACHMENT
BEING VULNERABLE IS A CHOICE!
COST EFFECTIVE FIX!
COST EFFECTIVE FIX!
FLASHING: COST EFFECTIVE FIX!
1. Pre drillPre drill
22 ll ll 2.2. Install Install screw with screw with screw with screw with washerwasher
INSULATION ATTACHMENT
WINDOWLOCK GLAZING SYSTEM!
BEING VULNERABLE IS A CHOICE!
BUT DO THE FIXES WORK?
CHARLEY, FRANCES, IVAN, JEANNE!
Windstorm Loss from 2004 HurricanesWindstorm Loss from 2004 Hurricanes
, , ,
Impact of Nat Cat 600
700
Windstorm Loss from 2004 HurricanesWindstorm Loss from 2004 Hurricanes
Nat Cat Engineering = $430M
650400
500
600
s (U
S$M
) Benefit from risk improvement$430M
650
200
300
00
ross
Los
s
220
0
100G
"Modeled" Wind Loss Actual FM GlobalModeled Wind LossProjection
Actual FM GlobalGross Wind Loss
THE UGLIEST OF THE 3 SISTERS!
Hurricane Katrina (2005)
8001000
S$
49% reduction attributable to risk
improvement
985
505400600800
s Lo
ss in
US
Mill
ions
505
0200G
ross
M
P j t d L A t l LProjected Loss Actual Loss
ADD IN RITA, WILMA, GUSTAV & IKE!, ,
3.00
e
2.301.50
2.00
2.50
s/$1
00 V
alue
ents
)
84% reduction in average loss
0 370.50
1.00
Avg
Los
s (ce g
0.370.00Unimproved
LocationsImproved Locations
Average Wind Loss / $100 TIV
LET ME TELL YOU A STORY!
I t N d dImprovements NeededBldg 1 RoofBldg 2 Steel DeckBldg 2 Steel DeckImprove FlashingEmergency PlanEmergency Plan
Multi-million loss potentialpLose both roofsKey juice facility
CHOSE NOT TO BE VULNERABLE!
New Roof for Bldg #1New Roof for Bldg #1Improved Roof Fastening Bldg #2I d fl hi ll fImproved flashing on all roofs
Developed Emergency PlanHurricane ResponsepEmergency GeneratorsBusiness ContinuityBusiness Continuity
JUST A 2 DAY DISTRACTION - TWICE!
September 5 - Frances
September 26 – Jeanne
Roofs remained intact
Mi ll dMinor wall damage
Generators effectiveGenerators effective
No production interruptionp p
DISTRACTIONHurricane Frances & Jeanne (2004)
DISASTERHurricane Frances & Jeanne (2004)
FLOOD
“LOCATION LOCATION LOCATION”LOCATION, LOCATION, LOCATION
WATER DAMAGE
FLOOD DOORS & BARRIERS
BEING VULNERABLE IS A CHOICE!
BEING VULNERABLE IS A CHOICE!
A WORD ABOUT EARTHQUAKE!
SEISMIC SHAKE TABLE
THE CHOICESTHE CHOICES
Disaster?
Distraction?
CLIMATE CHANGE
FloodFloodWindBushfiresSnow/FreezeSnow/FreezeTornado
WILD CARD: How much? How fast?
orr E
rro
ity
gin
fo
erab
il
Mar
g
Vuln
eV
CONTROL STRATEGY – NATURAL HAZARDS
Avoid the Zone!Avoid the Zone!
Choose not to be vulnerableBuild in resilience
Keep the water out or limit what gets wetFix the weaknessesBrace, anchor, be flexible, and use SGSV
Educate and train staffEducate and train staff
QUESTIONS?QUESTIONS?www.fmglobaldatasheets.comwww.approvalguide.comwww.approvalguide.com
Dennis Anderson, P.E.
