How Hardening a Building’s Exterior Can Save You on Insurance

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How Hardening a Building’s Exterior Can Save You on Insurance

building exterior consultants

With the hot summer sun comes the yearly threat of hurricanes. Suddenly, what we take for granted all year round is of paramount importance: the strength and fortitude of our buildings. Commercial properties in coastal areas are particularly vulnerable to damage and thus, difficult to insure, especially if a building does not have the proper protection.

This is why it pays to plan and build with these potential catastrophes in mind. Storm hardening against high-wind damage should be a priority for owners and developers of any commercial building. When building in an area highly susceptible to the force of storms, you should always hire a team that can fortify your building using the most up-to-date building codes and upgrades for storm protection. The value of this service is immeasurable when you consider the cost of insuring a building ill-equipped to handle a storm, and the cost of losing all or part of the building.

These consultants have been working on building protection for decades and they know what works and what doesn’t in the face of a major hurricane. They can identify weaknesses in windows, doors, walls, and roofing, and develop a plan to improve those weaknesses. They can also identify ways to waterproof the building in order to prevent damage from rains and flooding. In addition to protecting the building interiors, these kinds of catastrophes can also cause irreparable damage to the building’s foundation.

Without proper storm resistance, insurance companies may charge you sky high prices to insure your property, if they don’t deny you insurance altogether. Building owners may be stuck with insufficient coverage that will provide minimal protection in the event of a claim. Many insurers expect buildings to be planned and built to the latest global highly protected risk (HPR) wind specifications. These standards help customers prevent damage and loses due to major storms. These specifications take into account many different aspects in the building process, including location, design, and protective measures.

Hardening a building exterior

They consider several key criteria in strengthening the building:

  • Using high-impact glazing for the building
  • Using reinforced concrete walls
  • Designing roofs to withstand high winds
  • Attaching equipment on the roof, like air conditioning units, with sturdy securing techniques

Owners of existing buildings can also seek out services such as these in order to improve the storm-resistance of their properties. These consultants can perform a thorough assessment of the property in order to recommend structural improvements. Improving for hurricanes and major storms also has other benefits, they can reduce energy costs and external noise by creating an airtight environment year-round.

With proper planning and care taken to prevent damages to commercial structures and accompanying documentation, building owners will see a savings right away with lower insurance deductibles and more robust coverage. In the event of a storm, they will be able to resume business immediately. The value of using building consultants for this purpose far exceeds the cost, particularly since the cost of not being protected against high winds and flooding could be a total loss.

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