Wind v Surge John G. Minor, General Contractor Complete, Inc. .

Wind v Surge

John G. Minor, General Contractor Complete, Inc. www.completecontracting.com

Wind v Surge

National Flood Insurance Program [NFIP]

Originated in 1968 Supplemented by the Federal Disaster Protection Act of

1973 : Requires federally backed financial institutions and the mortgage loans that originate from them to require flood insurance

Special Flood Hazard Area [SFHA] : 26% chance of being flooded during the term of a 30 year mortgage as compared to 9% chance of fire

Since 1978 $31.4 billion paid [as of 3/31/06] 1994-2004 $2.4 billion in claims paid : $16 billion in 2005 Currently 5 million policies in 20,200 plus communities Source www.floodsmart.gov

NFIP Statistics

Flood Insurance Program ran up $17.5 billion dollars in debt

Interest costs are $900 million per year

NFIP rates are not actuarially sound and lead to a deficit with impact on the American tax payers

NFIP Flood Inundation Map

Serves as an excellent tool when available after a loss.

Maps are based on the observation of survey teams set up by FEMA.

NFIP Flood Inundation Map

An excellent tool, when available after a loss; these maps are based on the observations of FEMA survey teams.

FEMA Map Svc Center @ FEMA.gov provides free FIRMettes for planning and understanding of the replacement costs locally.

http://www.msc.fema.gov/

Mierzwa v Florida Windstorm

2004 law enacted in Florida when so many storms hit the state.

“Mierzwa” was the rallying cry of plaintiff attorneys heard around the Florida peninsula.

This ruling essentially stated that “a property that was a deemed total loss [destroyed by a storm or as result of the 50% rule] could rely that 1-shingle of wind damage entitled the owner to policy limits on the wind policy.

Valued Property Law – The Theory

Insurance companies paid based on a portion of this theory - some fought, lost, received judgments and have now have had those judgments removed. These claims are back to square one and will need to be proven based on the actual damages to the roof area, windows, exterior claddings, interior water and structural damages. Many of these structures have since been razed.

DOCUMENTATION

Location:

Distance from the Coast Exposure to Non-Buoyant Items Being

Carried in Flood Waters Exposure Type Higher wind speeds Gulf or Waterfront Height from Grade Protection

Location:

Pre-Existing Conditions:

Construction Type Poorly maintained exteriors can uncover

hidden problems that affect the way a structures reacts to wind and flood.

Windows are more likely to blow in if all of the studs are rooted around the opening.

Attention to how structures are built will connect the dots as to how they fail. . .

Pre-Existing Conditions:

A claim settlement may have to rely on the owner’s or the insurance company’s underwriter’s description of interior components

Pre-storm photos provided by the owner to determine original construction type and quality are very helpful.

Age of Structure:Age determines Pre-Firm or Post-Firm construction [Flood Insurance Rate Map] and will direct coverage after a flood loss.

Current flood elevation requirements regulate new construction & substantially improved properties. One can be surprised by apparently slab on-grade construction in an area that would seem to warrant pilings; this was common in Hatteras after Hurricane Isabel and was based on the application of a LOMA–F a map alteration allowing coverage.

Typical Pre-Firm Damage:

Typical Post-Firm Damage:

DFIRM & LOMA Data:

DFIRM data and LOMA designate current elevation requirements by revision date.

Theoretically, structures built after a certain date will be built to the same elevation.

Sometimes an owner will elect to build out a bottom floor regardless of good practice and/or local building code. This is a safety issue and a good local plain manager should disallow this practice. These areas invariably flood in lesser events and are havens for mold; they provide no safe place to live.

DFIRM & LOMA Data:

Local municipalities regulate Elevation Requirements based on FIRM Maps, FEMA research and NFIP regulations; in some cases, additional requirements exist in certain areas. One instance is the 3’ Free Board requirement.

Elevation Certificate:

One of first things to understand on any wind/water loss is the elevation of a property. This will tell you where are you in relation to sea level, grade at time of measurement and from floor to floor pre or post firm.


Determine if there are multiple elevations in a single structure that would affect flood lines

The timing of Permitting a Repair will determine the elevation requirements as municipalities adopt local codes and accept the maps drawn by FEMA for the local flood plain.


http://www.nspsmo.org

If you are in need of an elevation certificate for your

property or residence; contact the National Society of

Professional Surveyors.

Timing of Events:

Factual Data

Video Evidence

Weather Data

Storm-Chaser Information

Concurrent Events:

Wind Driven Waves Rising Tidal Waters in Bays, Bayous &

Sounds Storm Water Runoff Flooding from Lakes, Rivers and as a

result of Dam Failure

Damage Indicators:

Local Meteorological Observations

Eye Witness Testimony and/or Video

Damage Associated with Flying Debris, Falling Objects and Uplift or Wind Damage

Still Water v Velocity Water

Determined due to physical damage indicators: Scarring on Pilings Trees Debris at Flood Level or Above

Physical Damage Indicators

Critical Early Documentation: Photographs:

Roof Trees/Exterior Damages

Building Components

Documentation of the Water Height - Still and Wave - in relation to the structure is important. [Grade & Sea Level]

Meteorologist: Determine the timing of the different aspects of the claim as to time and intensity of a storm.

Structural & Forensic Engineers: Overlay the weather data to the structure to determine within a reasonable degree of engineering certainty that what portions of a structure would have been damaged by a given peril.

Cost Providers: Present the costs associated with the individual causation determinations and building characteristics.

Experts:

Digital Photos:

The use of digital photography is now the norm.

Overlays, imbedded notations and audio can be installed in Xactimate and Adobe software programs.

Documentation : Digital Photos


Digital photos can determine the degree of damage & allow you to map the water damage in a specific area.


Conditions remaining after a loss can help in determining the overlay of the damage costs.

In this case from Hurricane Katrina, the floor coverings and floor plan of this slab on-grade home is easy to identify .


The site will reveal clues as to the former residence, i.e., granite countertops were identified in the deposition of the owners house pictured above.

An existing slab or piling spacing will allow for at least a representation of the size of the structure pre-loss.

Engineers will look at anchor bolts and identify in some cases they can establish in what way the structure was removed from the slab, primarily associated with the direction the bolts are bent and the time that the wind was blowing in that way and whether the flood waters were to the house yet or not in full height.


Every detail remaining on the site will become evidence at trial as to expected stress loads a structure can be expected to withstand as to wind and flood causation.


Digital documentation of the remaining structural components is crucial for file research down the road.

Thermal Imaging: An excellent tool to detect anomalies in building

components. Water holds heat longer and results in water-damaged building materials retaining heat longer than adjoining or similar dry substrate.

Thermal Imaging can accurately delineate damages from wind and flood as long as they do not comingle.

Documentation : Thermal Imaging

Measurements:

Measurements From Grade – Photos and record elevations with landmarks are likely to remain; may require the use of a surveyor stick or marker.

Local Benchmark Data – Documenting elevation from grade in a neighborhood can go a long way in making sense of the reported facts of the loss.

Documentation : Measurements

Surveyor tools can tell the story visually in a way that an elevation certificate can not.

Documentation : Measurements

Measurements from the Finished Floor Elevation (FFE)

Document the measurement up close with a tape, as well as from a perspective view.

Inside measurements will eliminate the ramp-up effect of wave action.

Structural Accounting:

In more difficult files, expect to interview the builder and/or any other person that can provide testimony as to how a property was constructed, including special features.

Policy Determinations: Direct Physical Damage definition in Flood

Policy Items to be Included in Wind Portion of a

Claim Items to be Excluded from the Flood

Coverage Delineation of HOA/HO6 on Commercial

Residential Policies Overhead and Profit Allowances

Substantial Damage Rule

ICC – Increased Costs of Compliance is available after a property is deemed 50% damaged for costs associated with the elevation of a new structure and demolition of the old.

Letter of Substantial Damage (50% rule)

Replacement Cost

Building Code Data is used for replacement cost determinations and with original construction or substantial improvement to determine what code the structure should live to. Older structures are much more likely to be damaged by wind and/or flood.

Wind v Surge

Out of date construction practices simply do not hold-up to catastrophic events.

It is important to understand how a structure is put together to determine where the flood stops and the wind begins.

Wind v Surge

In the photo to the left, the effect Flood had removed the load bearing components of this spread foundation in one tier [left] at the same time the Wind has blown back the metal mansard.

Wind v Surge

Code upgrades are a natural part of the evolution of coastal construction and are why buildings are made stronger today.

Total Loss Determination

This is when an entire structure has to be brought down regardless of causation.

Wind v Surge : Regulations

Recently the U.S. Government Accounting Office (GAO), at the request of several members of congress, has found a potential “conflict of interest” in the (WYO) insurance companies administering hurricane claims and segregating the damages.

The nature of this responsibility requires that the adjuster take into account causation in determining the loss and applying the damages to the Wind or Flood claim. This effectively puts the companies and its’ adjusters in the drivers seat as to loss ratio and costs to the company. NFIP claims that it does not have the authority to require submission of the claim data from the wind company and, therefore, can not guard against this potential self dealing.

Source www.gao.gov

Wind v Surge

The findings of the (GAO) and certain class action lawyers does not surprise me and is one of the factors that cause certain claims to be problematic.

When an adjuster for the (WYO) member company sets the flood payments based on the description of direct physical damage too high in a structure, it is likely that following reports will duplicate the mistaken premise.

This mistake will perpetuate the problem especially when the Flood policy begins to pay for items that very often are damaged by Wind in a hurricane. [Trees, Roof, Roof Framing, Windows, Soffit, Fascia and Gutter System, Siding]

The causation when flood has blown out supporting walls or other elements of the foundation can become very difficult to determine and can greatly affect the outcome of a file and the ability of the owner to rebuild.

Wind v Surge Recent attempts at combining Wind and Flood into one

policy have been attempted under H.R. Bill 920 under the Multiple Perils Act of 2007, as well as by Congressman Gene Taylor of Mississippi.

This act has been opposed by the insurance industry who say it could cause as much as $100 to $200 billion annually in losses - Flood coverage would end up being a huge issue for tax payers.

Insurance industry lobbyist argue that while insurance has doubled since Hurricane Katrina that policies are typically available in many cases through JUA programs administered by various states, i.e., Citizens or NC JUA.

Some in government look at this as an economic development need citing that many projects are not moving forward as result of high insurance costs.

Current Event : Disaster in the Gulf

John MinorHazMat Certified : OSHA HAZWOPER

29 CFR 1910.120

www.nationalenvironmentaltrainser.com

Current Event : Disaster in the Gulf

Karen ThornhillSanta Rosa County Office850.981.7029

Resources and Links

Resources and Links Complete General Contractors 913 Gulf Breeze Pkwy Suite 5A, Gulf Breeze, FL 32561 ; 866-256-2742 Email: [email protected] ; Website: www.completecontracting.comAmerican Concrete Institute 38800 Country Club Dr., Farmington Hills, MI 48331 Website: www.concrete.orgAmerican Architectural Manufacturers Association 1827 Walden Office Square Suite 550, Schaumburg, IL 60173 ; 847-303-5664 Website: www.aamanet.orgAmerican Society of Testing and Materials 1-800-262-1373 Website: www.astm.orgASTM Technical and Professional Training 1-800-262-1373 Website: www.astm.orgClaims Yellow Pages 537 Deltona Blvd Deltona, FL 32725 ; 800-290-1347 Email: [email protected] Website: http://www.claimspages.comCommunity Associations Institute 225 Reinekers Lane, Suite 300, Alexandria, VA 22314 ; (703) 548-8600 Website: www.caionline.orgEnvironmental Protection Agency 1200 Pennsylvania Avenue N.W., Washington, DC 20004 ; (202) 272-0167 Email: [email protected] ; Website: www.epa.gov

Resources and LinksMississippi Emergency Management 866-519-MEMA (6362) Email: [email protected] ; Website: www.msema.org Windstorm Insurance Network 2929 Langley Avenue, Suite 203 , Pensacola, FL 32504 Email: [email protected] , Website: http://www.windnetwork.com/ National Association of Homebuilders 1201 15th Street NW , Washington, DC 20005 ; (800) 368-5242 Website: www.nahb.orgAir Purifiers-In Duct, Inc. PO Box 2044, Delray Beach FL 33277 • (800) 442-1247 Email: [email protected] • Website: http://www.airpurifiersinc.net Alpine Air 220 Reservoir Street: Ste 22, Needham Heights MA 02194 • (781) 449-7979 or (800) 628-

2209Association of Occupational and Environmental Clinics (AOEC) Phone: (202) 347-4976 • Website: http://www.aoec.org Referrals to clinics with physicians who have experience with environmental exposures,

including exposure to mold; maintains a database of occupational and environmental cases.

Resources and LinksAssociation of Specialists in Cleaning and Restoration (ASCR) Phone: (800) 272-7012 • Website: http://www.ascr.org

Disaster recover, water and fire damage, emergency tips, referral to professionalsEagle View 2525 220th St SE, Suite 203,Bothell, WA 98021 ; (866) 659-8439 Email: [email protected] ; Website: www.eagleview.comExperts.com 2800 W. March Lane, Suite 340, Stockton, CA 95219 ; 866-239-7378 Email: [email protected] ; Website: www.experts.comU.W.F Engineering Building #70, room 116 , 11000 University Parkway , Pensacola, FL 32514-; (866) 340-

5886 Website: http://uwf.edu/ece/F.L.I.R 1-800-GO-INFRA (464-6372) Website: www.flir.comICC(International Code Council) 5360 Workman Mill Road; Whittier, CA 90601 ; 1-800-423-6587 Website: www.iccsafe.orgUniversity of North Florida 1 UNF Drive, Jacksonville, FL 32224 ; (904) 620-1000 Email: [email protected] ; Website: www.unf.edu

Resources and LinksClemson University 201 Sikes Hall, Clemson, SC 29634 ; (864) 656-3311 Website: www.clemson.eduFlorida Institute of Technology 150 W. University Blvd. Melbourne, FL 32901 (321) 674-8000 Website: www.fit.eduLouisiana State University Louisiana State University , Baton Rouge, LA 70803 Email: [email protected] ; Website: www.lsu.eduTexas Tech 2500 Broadway, Lubbock, TX 79409; 806.742.2011 Email: [email protected] ; Website: www.ttu.eduUniversity of Alabama at Huntsville 301 Sparkman Drive Huntsville AL 35899 ; 1 800 UAH CALL Email: [email protected] ; Website: www.uah.eduUniversity of Florida University of Florida, Gainesville, FL 32611; 352.392.3261 Website: www.ufl.eduUniversity of Oklahoma 660 Parrington Oval, Norman, OK 73019-0390 (405) 325-0311 Website: www.ou.edu

Resources and LinksAmerican College of Occupational and Environmental Medicine (ACOEM) Phone: (847) 818-1800 • Website: http://www.siouxlan.com/acoem Referrals to physicians who have experience with environmental exposuresAmerican Conference of Governmental Industrial Hygienists, Inc. (ACGIH) Phone: (513) 742-2020 • Website: http://www.acgih.org Occupational and environmental health and safety informationAmerican Industrial Hygiene Association (AIHA) Phone: (703) 849-8888 • Website: http://www.aiha.org Information on industrial hygiene and indoor air quality issues including mold hazards and

legal issuesAmerican Society of Heating, Refrigerating, and Air-Conditioning Engineers, Inc.

(ASHRAE) Phone: (800) 527-4723 • Website: http://www.ashrae.org Information on engineering issues and indoor air qualityAmerican Shrinkwrap Co. PO Box 150152, Cape Coral FL 33915 • (239) 542-9599 Toll Free (800) 229-2904 Email: [email protected] • Website:

http://www.americanshrinkwrap.com Anderson Windows, Inc. Division Anderson Corporation 100 4th Avenue North, Bayport MN 55003 • (800) 426-7691 Email: link on website • Website: http://www.andersonwindows.com Armstrong World Industries, Inc. 2500 Columbia Avenue, Lancaster PA 17603 • (717) 397-0611 or (800) 292-6308 Email: link on website • Website: http://www.armstrong.com

Resources and Links Bracken Engineering Website: http://www.irp-fl.com Berridge Manufacturing Company 1720 Maury Street, Houston TX 77026• (713) 223-4971 Toll Free (800) 231-8127 Email: [email protected] or [email protected] • Website: http://www.berridge.comThe Blue Book of Building and Construction PO Box 500, Jefferson Valley NY 10535 • (800) 431-2584 Email: [email protected] • Website: http://www.thebluebook.com The Claims Page of the Carolinas 223 East Main Street, Tavares FL 32778 • (800) 233-8990 Email: [email protected] • Website: http://www.claimspages.com California Environmental Protection Agency Phone: (916) 323-2514 • Website: http://www.calepa.ca.gov California IAQ resourcesCanada Mortgage and Housing Corporation (CMHC) Phone: (613) 748-2003 [International] • Website: http://www.cmhc-schl.gc.ca/cmhc.html Several documents on mold-related topics availableCarpet and Rug Institute (CRI) Phone: (800) 882-8846 • Website: http://www.carpet-rug.com Carpet maintenance, restoration guidelines for water-damaged carpet, and other carpet-

related issues.

Resources and LinksCenters for Disease Control and Prevention (CDC) Phone: (800) 311-3435 • Website: http://www.cdc.gov Information on health related topics including asthma, molds in the environment, and

occupational health. CDC’s National Center for Environmental Health (NCEH) Phone: (888) 232-6798 • Website:

http://www.cdc.gov/nceh/asthma/factsheets/molds/default.htm Questions and answers on Stachybotrys chartarum and other moldsCertainTeed Corporation 750 E. Swedesford Road, Valley Forge PA 19482 PO Box 860 • (610) 341-7000 or (800)

233-8990 Email: roofing.ct@sgc/infonet.com • Website: http://www.certainteed.com Chemical Specialties, Inc. 200 East Woodlawn Road: Suite 350, Charlotte NC 28217 • (800) 421-8661 Email: [email protected] • Website: http://www.chemspec.com ChemRex – BASF Construction Chemicals – Building Systems 889 Valley Park Drive, Shakopee MN 55379 • (800) 433-9517 Email: [email protected] • Website: http://www.buildingsystems.basf.comClean Aire Inc. 1006 Rabbit Run, Hopkins SC 29061 • (803) 776-1117 Email: [email protected] Cleaning Products 3750 – 19th Street NE, Calgary AB T2E-6V2 • (800)653-8338 Email: [email protected] • Website: http://www.cleanco.com

Resources and LinksCRS – Cleaning and Restoration Supply 1710 SE Brooklyn Street, Portland OR 97202 • (800) 230-2969 Email: [email protected] • Website:

http://www.cleaningandrestoration.com Coastal Claims Association 1506 Azalea Drive: Suite 603, Myrtle Beach SC 29575 • (843) 238-5181 Back to top >>Dri-Eaz Products, Inc. 15180 Josh Wilson Road, Burlington WA 98233 • (360) 757-7776 Email: [email protected] • Website: http://www.dri-eaz.com Duron Paints and Wall Coverings 10406 Tucker Street, Beltsville MD 20705 • (800) 723-8766 Email: [email protected] • Website: http://www.duron.com Energy and Environmental Building Association (952) 881-1098 • Website: http://www.eeba.org Information on energy efficient and environmentally responsible buildings, humidity and

moisture control, and vapor barriersEnvironmental Health Canada, Health Protection Branch, Laboratory Centre for Disease Control, Office of

Biosafety Phone: (613) 957-1779 • Website:

http://www.hc-sc.gc.ca/main/lcdc/web/biosafety/msds/index.html

Resources and LinksEnvironmental Microbiology Laboratory, Inc Phone: (866) 888-6653 • Website: http://www.emlab.com Specialize in the analysis of air and surface samples for fungi, mold, bacteria, allergens,

and asbestos. EmLab is the leading commercial indoor air quality testing laboratory in North America.

Inline Distributing Company 9380 San Fernando Road, Sun Valley CA 91352 • (800) 795-0933 Email: [email protected] • Website: http://www.inlineco.com Jon-Don, Inc. 400 Medinah Road, Roselle IL 60172 • (800) 400-9473 Website: http://www.JonDon.com Grohe America, Inc. 241 Covington Drive, Bloomingdale IL 60108 Email: [email protected] • Website: http://www.groheamerica.com Howe-Baker Engineers, Ltd., CB&I Sonozaire Division 3102 E. Fifth Street, Tyler TX 75701 • (903) 597-0311 Email: [email protected] • Website: http://www.sonozaire.com Humidity Control Systems, Inc. PO Box 1767, Vancouver WA 98668 • (800) 642-7910Hurd Windows & Doors, Inc. 575 South Whelen Avenue, Medford WI 54451 • (800) 223-4873 Email: [email protected] • Website: http://www.hurd.com Indoor Environmental Remediation Board (IERB) Phone: (215) 387-4097 • Website: http://www.ierb.org Information on best practices in building remediation

Resources and LinksInstitute of Inspection, Cleaning and Restoration Certification (IICRC) Phone: (360) 693-5675 • Website: http://www.iicrc.org Information on and standards for the inspection, cleaning, and restoration industryInternational Sanitary Supply Association (ISSA) Phone: (800) 225-4772 • Website: http://www.issa.com Education and training on cleaning and maintenanceInternational Society of Cleaning Technicians (ISCT) Phone: (800) WHY-ISCT or (800) 949-4728 • Website: http://www.isct.com Information on cleaning, such as a stain removal guide for carpets.ICI Dulux Paints 925 Euclid Avenue, Cleveland OH 44115 • (800) 984-5444 Website: http://www.icipaintstores.com Juno Lighting Group 1300 S. Wolf Road, Des Plaines IL 60018 • (847) 827-9880 Website: http://junolightinggroup.com Kohler Company, Plumbing Division (920) 457-4441 • 444 Highland Drive, Kohler WI 53044 Website: http://www.kohler.com Lincoln Windows 1400 West Taylor Street, Merrill WI 54452 • (715) 536-2461 Website: http://www.lincolnwindows.com Ludowici Roof Tile PO Box 860, Valley Forge PA 19482 • (800) 917-8998 Email: [email protected] • Website: http://www.ludowici.com

Resources and LinksMaterial Safety Data Sheets (MSDSs) - Cornell University Website: http://msds.pdc.cornell.edu/msdssrch.asp MSDSs contain information on chemicals or compounds including topics such as health

effects, first aid and protective equipment for people who work with or handle these chemicals.

MidAtlantic Environmental Hygiene Resource Center (MEHRC) Phone: (215) 387-4096 • Website: http://www.mehrc.org Indoor environmental quality training on topics such as mold remediationMoen Inc. 25300 Al Moen Drive, North Olmsted OH 44070 • (800) 289-6636 Email: [email protected] • Website: http://www.moen.com Mold Report Phone: (800) 224-1527 • Website: http://www.moldreport.com Online store and other information about Mold ReportMohawk Manufacturing, Inc. 2175 Beechgrove Place, Utica NY 13501 • (800) 765-3110 Email: [email protected] • Website: http://www.mohawkcanopy.com Benjamin Moore & Company 51 Chestnut Ridge Road, Montvale NJ 07645 • (888) 236-6667 Email: [email protected] • Website: http://www.benjaminmoore.com Moisture Control Services, Munters - Ben Brackin 16 Hunt Road, Amesbury MA 01913 • (800) 959-7901 Email: [email protected] • Website: http://www.muntersmcs.com

Resources and LinksNational Air Duct Cleaners Association (NADCA) Phone: (202) 737-2926 • Website: http://www.nadca.com Duct cleaning informationNational Antimicrobial Information Network (NAIN) Phone: (800) 447-6349 • Website: http://nain.orst.edu Regulatory information, safety information, and product information on antimicrobialsNational Association on the Remodeling Industry (NARI) Phone: (847) 298-9200 • Website: http://www.nari.org Consumer information on remodeling, including help finding a professional remodeling

contractorNational Institute of Building Sciences (NIBS) Phone: (202) 298-7800 • Website: http://www.nibs.org Information on building regulations, science, and technologyNational Institute of Environmental Health Sciences Phone: (919) 541-3345 • Website: http://www.niehs.nih.gov The mission of NIEHS is to reduce the burden of human illness and disability by

understanding how the environment influences the development and progression of human disease. Reference for information on mold.

National Institute for Occupational Safety and Health (NIOSH) Phone: (800) 35-NIOSH or (800) 356-4674 • Website: http://www.cdc.gov/niosh Health and safety information with a workplace orientationNational Institutes of Health Phone: (608) 263-6297 • Website: http://www.nih.gov

The Nation’s Medical Research Agency – information regarding environmental health issues, including IAQ.

Resources and LinksNational Pesticide Telecommunications Network (NPTN) Phone: (800) 858-7378 • Website: http://ace.orst.edu/info/nptn Information on pesticides and antimicrobial chemicals, including safety and disposal

informationOccupational Safety & Health Administration (OSHA) Phone: (800) 321-OSHA or (800) 321-6742 • Website: http://www.osha.gov Information on worker safety, including topics such as respirator use and safety in the Phoenix EnviroCorp 4020 Shipyard Blvd, Willington NC 28403 • (910) 397-0370 Email: [email protected] • Website: http://www.phoenixenvirocorp.com Porcelanite, Inc. PO Box 1777, Lexington NC 27292 • (910) 242-5621 Email: [email protected] • Website: http://www.porcelanite.com Pro Spec, Bonsal American 8201 Arrow Ridge Blvd., Charlotte NC 28273 • (800) 334-0784 Email: link on website • Website: http://www.prospec.com Restoration Consultants 3463 Ramona Avenue, Sacramento CA 95826 • (916) 736-1100 Email: [email protected] • Website: http://www.restcon.com RIA Restoration Industry Association 8229 Cloverleaf Drive Suite 460, Millersville MD 21108 • (410) 729-9900 Email: [email protected] • Website: http://www.ascr.or

Resources and LinksSheet Metal & Air Conditioning Contractors’ National Association (SMACNA) Phone: (703) 803-2980 • Website: http://www.smacna.org Smithsonian Center for Materials Research and Education (SCMRE) Phone: (301) 238-3700 • Website: http://www.si.edu/scmre Guidelines for caring for and preserving furniture and wooden objects, paper based

materials, and preservation studies.Buric RV Construction Consultants 2512 Independence Blvd. #200, Wilmington NC 28403 • (910) 791-3299 Website: http://www.buric.com Sherwin Williams Company 101 Prospect Avenue, Cleveland OH 44115 • (216) 566-2000 Website: http://www.sherwin-williams.com Simultaneous Solutions, Inc. 3452 Lake Lynda Drive Suite 420, Orlando FL 32817 • (800) 447-4676 Email: [email protected] • Website: http://www.simsol.com Symons Corporation 200 East Touhy Avenue, Des Plaines IL 60018 • (847) 298-3200 Email: [email protected] • Website: http://www.symons.com Sun-Belt USA 4211 - C Atlantic Avenue, Raleigh NC 27604 • (800) 334-8418 Email: [email protected] • Website: http://www.sun-beltusa.com

Resources and LinksWilmington Claim Association PO Box 645, Buford GA 30515 • (910) 350-8208 Kevin Best Email: [email protected] • Website: http://www.ncclaims.com 3M Company 3M Center Building 225-4SW-25, St. Paul MN 55144 • (800) 364-3577 Email: [email protected] • Website: http://3mindustrialtransportation.thomasnet.com University of Michigan Herbarium Phone: (734) 764-2407 • Website: http://www.herb.lsa.umich.edu Specimen-based information on fungi; information on fungal ecologyUniversity of Tulsa Indoor Air Program Phone: (918) 631-5246 • Website: http://www.utulsa.edu/iaqprogram Courses, classes, and continuing education on indoor air qualityUnsmoke Restorx Systems, Microban 1135 Braddok Avenue, Braddock PA 15104 • (800) 332-6037 Email: [email protected] • Website: http://www.unsmoke.com Vac Systems Industries 5995 West 149th Street Suite 102, Apple Valley MN 55124 • (952) 432-3955 Email: [email protected] • Website: http://www.vacsystem.com Vale National Training Center, Inc. 5070 Ritter Road Suite 130, Mechanicsburg PA 17055 • (717) 790-9950 Website: http://www.valenational.com Video-Aire International 2569 Gravel Drive, Fort Worth TX 76118 • (888) 595-4393 Email: [email protected] • Website: http://www.videoaire.com

Resources and Links

U.S. Environmental Protection Agency (EPA), Indoor Environments Division (IED) An Office Building Occupant’s Guide to IAQ http://www.epa.gov/iaq/pubs/occupgd.html Biological Contaminants http://www.epa.gov/iaq/pubs/bio_1.html Building Air Quality Action Plan (for Commercial Buildings) •

http://www.epa.gov/iaq/largebldgs/actionpl.html Floods/Flooding http://www.epa.gov/iaq/pubs/flood.html Indoor Air Quality (IAQ) Home Page http://www.epa.gov/iaq IAQ in Large Buildings/ Commercial Buildings http://www.epa.gov/iaq/largebldgs IAQ in Schools http://www.epa.gov/iaq/schools Mold Remediation in Schools and Commercial Building http://www.epa.gov/iaq/molds Mold Resources http://www.epa.gov/iaq/pubs/moldresources.html For more subject-specific links, go to: http://www.epa.gov/iaq/schools/links.html, or

http://www.epa.gov/iaq/asthma/links/index.html, or http://www.epa.gov/iaq/moreinfo.html U.S. EPA IAQ Information Clearinghouse (IAQINFO) Phone: (800) 438-4318 or (703) 356-4020 • Fax: (703) 356-5386 • Email: [email protected] Indoor air-related documents, answers to Indoor Air Quality (IAQ) questions, maintains

listing of state IAQ contacts, and regional EPA contacts

Wind v Surge John G. Minor, General Contractor Complete, Inc. .

Documents

Transcript of Wind v Surge John G. Minor, General Contractor Complete, Inc. .