FM Global Design Standards Dennis Anderson, P.E., FM Global
FM Global Client Base Approximately 40% of Fortune 1000 companies Mutual company – clients are owners
Insurance without actuaries..… actuaries Committed to:
Knowledge development U d t di off h Understanding hazards d Practical cost effective solutions
FM GLOBAL VALUE PROPOSITION pp Our p promise is to help protect the value created by our client’s business. Ou p Our process ocess is s to o assess and a de engineer g ee risk, to help prevent and mitigate loss, and to provide capital for risk transfer purposes.
We believe that the majority of all loss is preventable.
CONTEXT: PROPERTY HAZARDS ARE REAL
T kR Track Record d
FM Global: Research Campus
Fire Technology Large Burn Lab
UNDERSTANDING THE WIND HAZARD
HURRICANE FACTS
´
Eye Diameter:
Average 15 - 20 miles
´
Eye size:
NOT related to the size or strength
´
Hurricane force winds: Typically 25 mile radius
´
T i l storm Tropical t winds: i d
U Up tto 175 mile il radius di
“WHY WE SETTLE FOR BEING VULNERABLE” 1))
pp It won't happen.
2)
If it does happen happen, it won't won t happen to me. me
3)
If it happens to me, me it won won'tt be that bad bad.
4)
If it happens h to t me and d it's it' bad, b d th 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!
Secure rooff deck S d k andd flashing particularly at edges and corners
1
Secure building envelope including doors and other openings
2
Take reasonable precautions in the hours immediately before loss
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 drill
2 Installll 2. screw with washer
INSULATION ATTACHMENT
WINDOWLOCK GLAZING SYSTEM!
BEING VULNERABLE IS A CHOICE!
BUT DO THE FIXES WORK?
CHARLEY,, FRANCES,, IVAN,, JEANNE! Windstorm Loss from 2004 Hurricanes Impact of Nat Cat Benefit from risk improvement Engineering = $430M $430M
Gross Loss s (US$M)
700 600 500 400 00
650
300 200 220
100 0 "Modeled" Modeled Wind Loss Projection
Actual FM Global Gross Wind Loss
THE UGLIEST OF THE 3 SISTERS! Hurricane Katrina (2005) 49% reduction attributable to risk improvement
Gross s Loss in US S$ Millions M
1000 800 600
985
400
505
200 0 P j t d Loss Projected L
A t lL Actual Loss
ADD IN RITA,, WILMA,, GUSTAV & IKE!
2.50 (ce ents)
Avg Loss s/$100 Value e
3.00
2.00 1.50
2.30
84% reduction in average g loss
1.00 0.50
0 37 0.37
0.00 Unimproved Locations
Improved Locations
Average Wind Loss / $100 TIV
LET ME TELL YOU A STORY! ´
Improvements I t Needed N d d « « « «
´
Bldg 1 Roof Bldg 2 Steel Deck Improve Flashing Emergency Plan
Multi-million loss potential p « «
Lose both roofs Key juice facility
CHOSE NOT TO BE VULNERABLE! New Roof for Bldg #1 ´ Improved Roof Fastening Bldg #2 ´ Improved I d flflashing hi on allll roofs f ´
´
Developed Emergency Plan « Hurricane
Response p « Emergency Generators « Business Continuity
JUST A 2 DAY DISTRACTION - TWICE! ´
September 5 - Frances
´
September 26 – Jeanne
´
Roofs remained intact
´
Mi Minor wallll d damage
´
Generators effective
´
No p production interruption p
DISTRACTION Hurricane Frances & Jeanne (2004)
DISASTER Hurricane 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 CHOICES ´ Disaster? ´ Distraction?
CLIMATE CHANGE Flood ´ Wind ´ Bushfires ´ Snow/Freeze ´ Tornado ´
´
WILD CARD: How much? How fast?
Marg gin for Erro or
V erability Vulne
CONTROL STRATEGY – NATURAL HAZARDS ´
Avoid the Zone!
Choose not to be vulnerable ´ Build in resilience ´
« Keep
the water out or limit what gets wet « Fix the weaknesses « Brace, anchor, be flexible, and use SGSV ´
Educate and train staff
QUESTIONS? www.fmglobaldatasheets.com www.approvalguide.com Dennis Anderson, P.E.
