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TRANSCRIPT
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Texas Department of Insurance 1
Texas Department of Insurance Windstorm Inspection Program
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Texas Department of Insurance 2
Goals of Presentation
Provide Overview of House Bill 3 Changes to Windstorm Inspections Program
Discuss Changes for Engineers Appointed as Qualified Inspectors
Review of Current Inspection Requirements
Discuss Alternative Eligibility Program
Discuss Possible Premium Credits or Discounts on Surcharges
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Texas Department of Insurance 3
House Bill 3
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Texas Department of Insurance 4
82nd Texas Legislature Passed HB 3, First Called Session (2011)
• Amends Texas Insurance Code provisions to
continue the Texas Windstorm Insurance
Association (TWIA).
• Amends the Occupations Code to require the Texas Board of Professional Engineers (TBPE) to establish criteria for windstorm design services.
House Bill 3
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Texas Department of Insurance 5
82nd Texas Legislature Passed HB 3, First Called Session (2011)
• Texas Legislature Online
http://www.capitol.state.tx.us
• 82(1) – 2011
• Bill Number – HB 3
House Bill 3
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Texas Department of Insurance 6
Overview of HB 3 Changes to
Windstorm Inspections Program
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Texas Department of Insurance 7
Inspection Requirements
• Decision to issue the Certificate of
Compliance is up to the TDI and not
dependent on actions of the TBPE or any
other state agency. (§2210.251)
HB 3 Changes Windstorm Inspections
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Texas Department of Insurance 8
Qualified Inspectors
• TDI appoints Texas licensed engineers on
TBPE roster. (§§2210.254 & 2210.255)
• TDI may establish renewal period for
appointments. (§2210.254)
HB 3 Changes Windstorm Inspections
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Texas Department of Insurance 9
Enforcement Authority (§2210.2551)
• Exclusive authority for matters relating
to appointment and oversight of qualified inspectors.
• Reporting requirements to TBPE.
• TDI report to Legislature (biennial report) number of TBPE referrals and
outcome.
HB 3 Changes Windstorm Inspections
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Texas Department of Insurance 10
Disciplinary Proceedings (§2210.256)
• Authority to issue Cease and Desist order
against qualified inspector or “person
acting as qualified inspector.”
HB 3 Changes Windstorm Inspections
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Texas Department of Insurance 11
Surcharge Noncompliant Structures (§2210.259)
• Commissioner may provide a discount or
credit against surcharge in waiver
programs (will discuss details later).
HB 3 Changes Windstorm Inspections
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Texas Department of Insurance 12
Alternative Eligibility Program (§2210.260)
• Program to obtain windstorm insurance
for a residential structure without
obtaining a certificate of compliance (will
discuss details later).
• Subject to surcharge.
HB 3 Changes Windstorm Inspections
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Texas Department of Insurance 13
Premium Discounts (§2210.363)
• TWIA may offer a discount on a policy or
credit against surcharges for construction
exceeding applicable building code
standards (will discuss details later).
HB 3 Changes Windstorm Inspections
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Texas Department of Insurance 14
Proposed Changes for
Appointed Engineers
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Texas Department of Insurance 15
TDI will update Engineer Appointment Rule (28 TAC §5.4604) – Target Spring 2012
• Transition time (August 31, 2012)
HB 3 requirements TBPE roster TDI renewal period Reporting requirements to TBPE Cease & Desist
Recommendations from Engineer Working Groups
Proposed Changes for Appointed Engineers
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Texas Department of Insurance 16
Engineer Working Group Recommendations
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Texas Department of Insurance 17
Engineer Working Groups
• Established by former Commissioner
Appointed engineers
TBPE representative
Academia and inspector
Engineer Working Group Recommendations
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Texas Department of Insurance 18
Engineer Working Groups
• Appointment & Renewal
• Oversight
• Post Construction (Forensic)
Engineer Working Group Recommendations
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Texas Department of Insurance 19
Appointment Process
• Mandatory TDI orientation
• Application Fees ($500.00)
• Examination – no grandfather
Engineer Working Group Recommendations
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Texas Department of Insurance 20
Renewal Process
• 2-year renewal period
• Renewal Fee ($300.00)
• Continued education – 8 hours per year
(credit towards TBPE requirements)
Engineer Working Group Recommendations
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Texas Department of Insurance 21
Appointed Engineer Responsibilities
• Windstorm plans and calculations
• Building code compliance for building
products
• Documentation retention – (3 years)
Engineer Working Group Recommendations
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Texas Department of Insurance 22
Inspection Requirements
• Direct supervision of inspectors
• Inspection reports and photographs
Engineer Working Group Recommendations
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Texas Department of Insurance 23
Oversight Process
• TDI perform random oversights.
• TDI provide notice to engineers.
• Engineer required to have documentation (plans, calculations, product information and inspection records).
• Maintain records in accordance with record retention requirements.
Engineer Working Group Recommendations
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Texas Department of Insurance 24
Post-Construction (formerly Forensic)
• Identify applicable codes and wind load standards.
• Identify as-built conditions and component and cladding items.
• Perform analysis (design check).
• Perform detailed/invasive inspection.
• Determine windstorm compliance.
• No mandated checklist.
Engineer Working Group Recommendations
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Texas Department of Insurance 25
Inspections and Certifications by
Appointed Engineers
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Texas Department of Insurance 26
Inspect a structure according to high wind prescriptive requirements (e.g. WFCM, SSTD10).
• Structure must fall within the design and construction limitations of the applicable building specification.
Inspect structure to comply with a design generated in accordance with the wind loads specified in the TDI building specifications (ASCE 7).
Inspections by Engineers
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Texas Department of Insurance 27
Windstorm designs and inspections must be based on recognized codes, standards, references and evaluation reports.
• Documents used for design and construction
methodologies (IRC, IBC, ASCE 7, ACI, AISI,
WFCM, SSTD10, ASTM, NDS, APA, etc.).
• ICC evaluation reports, TDI product evaluations, UL, FM, Dade County NOA, etc.
Must be compliant with TDI windstorm codes.
Inspections by Engineers
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Texas Department of Insurance 28
Responsible for inspections during four major stages of construction:
• Foundation;
• Rough Framing;
• Final Framing; and
• Mechanical Inspection.
Engineer may employ an individual to perform inspections under their direct supervision for which the engineer is personally responsible.
Inspections by Engineers
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Texas Department of Insurance 29
Inspection Verification (WPI-2 form) to notify the Department of the following:
• Structure, repair, alteration or addition designed and inspected to meet the applicable building code and wind speed.
• Certification not limited to the structural framing only.
• Protection of exterior openings was provided (if applicable).
• Statement of compliance to notify the TWIA that structure is eligible for windstorm and hail insurance.
Inspections by Engineers
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Texas Department of Insurance 30
Appointed Engineers Subject to Oversight Authority by TDI
• TDI may request plans, calculations, product information, and inspection records.
• TDI has authority to take enforcement action.
• TDI is required to report any enforcement action to the Texas Board of Professional Engineers.
Inspections by Engineers
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Texas Department of Insurance 31
Are there windstorm plans for the project?
Do they include items such as ……..
• Lateral wind load resisting system;
• Vertical wind load resisting system;
• Roof and wall framing connections;
• Design pressures for exterior openings (windows, doors, garage doors);
• Design pressures for exterior coverings & roof coverings; and
• Requirements for windborne debris resistance.
Design Plans
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Texas Department of Insurance 32
Were calculations prepared for the project?
Do they include items such as ……..
• Wind load requirements per ASCE 7
Main Wind Force-Resisting System (MWFRS); and
Components and Cladding (C&C).
• Lateral loading analysis (diaphragms, shear walls, moment frames, etc.)
• Uplift loading analysis.
Design Calculations
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Texas Department of Insurance 33
Waiver Programs for
TWIA Insurance
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Texas Department of Insurance 34
History of Waiver Programs
• Approval Program (4-12-06 to 8-31-09)
• Transition Program (9-1-09 to 9-27-11)
• Alternative Eligibility Program (HB 3)
(Began 9-28-11)
Waiver Programs
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Texas Department of Insurance 35
Approval Program (4-12-06 to 8-31-09)
• Implemented after Hurricane Rita
• Residential structures only
• Dropped by voluntary market
• Subject to surcharge
• Component inspection not required
• Meets all other eligibility requirements
Waiver Programs
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Texas Department of Insurance 36
Transition Program (9-1-09 to 9-27-11)
• Residential structures only
• Dropped by voluntary market
• Construction prior to 6-19-09
• Subject to surcharge
• Component inspection and alternative certification required
• Meets all other eligibility requirements
Waiver Programs
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Texas Department of Insurance 37
Alternative Eligibility Program (HB 3)
• Commenced 9-28-11
• Residential structures only
• Construction prior to 6-19-09
• Subject to surcharge
• Component inspection and alternative certification required
• Meets all other eligibility requirements
Waiver Programs
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Texas Department of Insurance 38
Alternative Eligibility Program (cont.)
• Qualifying Structural Components (proposed) Entire re-roof Entire exterior wall covering Windborne debris protection
• Transition and Alternative Eligibility need alternative certification to renew after 8-30-13.
• New applicants need alternative certification as of 9-1-12 to obtain TWIA coverage.
Waiver Programs
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Texas Department of Insurance 39
Rates, Credits and/or Surcharges
• Waiver Programs (§2210.259)
TDI may establish discount or credit against surcharge for component.
• Alternative Eligibility Program (§2210.260)
TWIA establish rate, credit or surcharge
Surcharge may not exceed 15%
Waiver Programs
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Texas Department of Insurance 40
Premium Discounts or Surcharge Credit (§2210.363)
• TWIA may offer discount on policy or credit against surcharge for superior construction; or if person elects binding arbitration endorsement.
• TDI implement through rule making process.
Waiver Programs
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Texas Department of Insurance 41
Contact Information
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Texas Department of Insurance 42
Website
• www.tdi.texas.gov/wind
Windstorm Inspections
• 800.248.6032 or 512.322.2212
Contact Information
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Texas Department of Insurance 43
Thank you for your attention