from a wind incident that could have
otherwise been prevented.
If a building is under construction when
a loss occurs, then there are usually provisions and codes in force to protect the
building while it is under construction.
The general contractor is typically responsible for protecting the structure to
prevent possible damage. The use of temporary bracing and methods to protect
against the elements is a major component
to ensure failures do not occur.
An example of this condition has been
noticed after a tornado occurred in an
area that does not experience tornadoes.
Because of the lack of tornadoes, some
contractors and building officials may
not have been as concerned in ensuring
these conditions are met. In a particular
development that was constructed using
several different contractors, some common themes developed where certain
buildings sustained more damage than
others standing closer to the tornado
Other inspections of the neighboring
properties indicated that hurricane clips
and straps were utilized, as indicated
below, which help minimize the overall
The end result may aid in the insurer’s
decision to possibly pursue subrogation
against the contractor or builder for failure to install these clips, which would
have prevented the building from being
an almost total loss.
The aftereffects of a hurricane can
G SUBJECT HOME BUILT IN LAST 3 YEARS. MOST OF THE ENTIRE ROOF BLOWN OFF WHILE NEIGHBORING
PROPERTIES SUSTAINED MINIMAL DAMAGE IN COMPARISON.
G NO HURRICANE CLIPS USED TO AT TACH THE RAFTER DOWN TO THE TOP OF THE WALL. A SIMPLE TOE NAIL
CONNECTION DOES NOT ALLOW PROPER TRANSFER OF LIFTING FORCES FROM WIND EFFECTS ON A ROOF.