garrett j. tirpak cfm - adeca · venting protection for the crawlspace and garage. dry guys...
TRANSCRIPT
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GARRETT J. TIRPAK CFM
FLOOD MITIGATION CONSULTANT
TIRPAK AGENCY
PO BOX 699
SILVERHILL, ALABAMA 36576
251-945-5570
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How Flood Vents and Mitigation
Efforts Can Lower Flood Premiums
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Mitigation
• Flood Loss Control Solutions
• Eliminating Sub Grade Spaces
• Raising Mechanicals
• Proper Flood Vents
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About Us
• 13 years of promoting sound floodplain management
• Over 250,000 flood vents in the field
• Made in the USA
• Flood Risk Assessment
• System/Team
• a. Retailers
• b. Installers
• c. Insurance Agents
• d. Surveyors
• e. Other professionals?
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Changing Landscape
• Biggert Waters Reform (Pre Firm)
– Actuarial Rates Phased in
– Non-Primary Residences
– Severe Repetitive Loss
– Business Properties
25%
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Changing Landscape
• 2012 Biggert - Waters Reform
• 2014 Grimm – Waters (HFIAA)
• Actuarial Rates Phased in
– Non-Primary Residences
– Severe Repetitive Loss
– Business Properties 18-25%$25 Surcharge Primary
$250 Non-Primary
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FEMA Recommends
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WOW Savings
83%
ROI: 2 Years
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High premium
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87% Reduction
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Breaking It Down
FEMA Elevation Certificate
•Last check point before CO is granted
•Surveyor Completes
•Sections A8 & A9 Flood Vent Info
•Know your diagrams
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Non-Compliance Red Flags
1st Sub Grade Space
Diagram 9: lowest rated floor is 3.4 equals -2 through NFIP
Solution: Excavate soil from one wall to bring the LAG down 2.1 feet, or fill
Lowest floor C2.a
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A Zones
Lowest Floor C2.b
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Flood Vent Compliance
2nd Red Flag
• EC showed 1,210 sq.ft crawlspace
• “0” flood vent coverage
• Lowest floor rating 3.4 feet not 8.4 feet
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Flood Vent Solution
• Install (7) 1540-510 model Smart Vents
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Outcome
• Total Cost for Retrofit: $4,000
• Reduced Premium by 87% $4,043 - $506
• $3,537 in savings
• ROI: 14 months
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What is a Flood Vent?
• During a flood event, immense hydrostatic forces
are in action.
• Flood ventilation operates under the principle of
relieving (rather than resisting) that pressure.
• Relief is required by code, insurance companies,
and the principles of good floodplain management.
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TB 1
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Flood Vent Codes
IRC & IBC ASCE 24-05
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Hydrostatic Pressure
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The Effects of Hydrostatic Force
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24
Crawlspaces
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Full Height Enclosures
25
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Full Height Enclosures (townhouse)
26
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27
Attached Garages
BFE BFE
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• Regulated as enclosures
28
Detached Accessory
Flood Vents Installed
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Examples of Unacceptable Measures: Page 19 TB-1
Must be Broken to Comply If it has a cover its not compliant
Unacceptable Measures: Non-Engineered Openings
Air Vents that open and close with temperature Garage Doors & Entry Doors
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30
Debris Blockage
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Engineered Openings
• Designed, Tested, & Certified for performance (“engineered”)
• No need to measure
• Designed and certified based on computations (TB1 and ASCE 24)
• ICC-ES: AC-364 (AFFV)
• I-Codes & ASCE 24: 3” min dimension
31
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What is SMART VENT?
• SMART VENT is an
ICC-ES certified &
FEMA accepted
foundation flood vent.
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ICC-ES Report
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Engineered Flood Vent vs.
a common non-engineered opening
Ex. of an engineered
flood vent: has 200 sq.
feet of rated flood
protection.
Most commonly used
non-engineered opening:
has 40 sq. inches net, if
opened and if the screen is
removed.
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• 1,200 sq. foot crawlspace = (6) engineered
• 1200/40 sq. inches = (30) non-engineered vents
Bill Bryant/Anne Arundel Co,
MD
Do The Math
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Placement Requirements
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39
Placement Requirements
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Case Studies
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Case Study 1
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Case study — Usea family
home continued
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Case study — Usea family
home continued
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Case study — Usea family
home continued
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Case study — Usea family
home continued
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Case study — Usea family
home continued
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Case study — Usea family
home continued
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Crawlspace: short 743 sq.in/ft in flood venting
protection
Garage: short 355 sq.in/ft in flood venting protection
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Cutting Out The Wrong Product For the Job.
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After removing the gable vents we discovered they were clogged
with debris on the inside. Not noticeable on the outside due to the
louvers.
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Installing The Right Product For The Job
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Retrofitted Three 1540-511 (16”x16”) Dual Function Flood
Vents Into the Crawlspace. Two 1540-521 (16”x16”)
Insulated Flood Vents Into the Garage. Each vent is ICC-ES
Certified to cover 400 sq.ft of enclosed area.
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1200 sq.ft of protection 800 sq.ft of protection
With the proper flood vents installed the Elevation
Certificate will be changed to reflect the correct flood
venting protection for the crawlspace and garage.
Dry Guys
Woodstown, NJ
856-769-9533
www.dryguys.co
m
83% Savings
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Resources Here to Help You
www.smartvent.com
Our goal is to help lower NFIP Flood Insurance Premiums.
Our educated staff of Certified Floodplain Managers are knowledgeable on all the latest NFIP changes that are affecting policies such as the Biggert-Waters Act (BW-12) and the Grimm-Waters Act (Homeowners Flood Insurance Affordability Act).
Our team is eager to review situations and provide guidance on how to reduce premiums. Once we review the Elevation Certificate and current NFIP Flood Insurance Policy, we will provide a Risk Report of our findings. This report will detail out mitigation options such as compliant Flood Vents, if necessary, to lower the premium, Grandfathering options that can have the property owner rated at an earlier FEMA Map, and in some cases LOMA options that could eliminate the mandatory requirement for Flood Insurance.
In addition, we will work with your current Insurance Agent or one of our preferred Agency Partners to provide you with a Flood Insurance Quote based on our recommended solutions.
www.YOURFLOODRISK.com
EASY STEPS TO SAVING AT
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Summary: Flood Vent Code
• Minimum of two openings on different walls
• Bottom of opening no more than one foot above adjacent grade
• Openings must be 3” in diameter or larger
• Must automatically allow water in and out, without human intervention.
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Questions