Services for Real Estate Pros with Peter Tuttle, CPA, CLCS


Windstorm and hurricane losses account for an inordinate share of
homeowners losses every year. In particular, people on the southeastern
and central eastern seaboard and the Gulf Coast face substantial loss
exposures to hurricanes and tropical storms. There are, however, steps you
can take concerning your home that can reduce your exposure to these
losses. These include risk control measures to four critical parts of your
home susceptible to high wind damage -- the roof, windows, entry doors,
and garage doors.

* Roof -- The installation and design of a roof is a critical factor
concerning protection from high winds and hurricanes. For example, the
roof sheathing (the boards or plywood nailed to the roof rafters or
trusses) can fail during a hurricane if not property installed. If many of
the nails have missed the rafters, additional nailing is necessary. The
sheathing on your roof should comply with the current building codes. In
wind-prone areas, many building codes require six nails per shingle rather
than four. Adding screws between the nails can also provide reinforcement.
In addition, gables need to be tightly attached and reinforced to the
frame walls.

Lastly, hurricane clips should be considered in hurricane-prone areas.
These clips help prevent mammoth winds from ripping the roof off a house.
The clips are made of galvanized steel and are used to connect the rafters
to the roof at the top of the house and the bottom part of the house to a
plate that is bolted to the slab. Properly installed hurricane clips
enable your roof to withstand winds of up to 100 mph.

* Windows -- One way to protect your windows is to install
impact-resistant shutters over all large windows and glass doors. Not only
do they protect your doors and windows from wind-borne objects, but they
can also reduce damage caused by sudden pressure changes when a window or
door is broken. An alternative is the installation of impact-resistant
windows and patio doors.

* Entry doors -- Solid wood or hollow metal doors are more effective in
resisting high winds. They should have at least three hinges and a dead
bolt security lock.

* Garage doors -- Because of their width, doublewide garage doors are more
susceptible to high winds than singlewide doors. Retrofit kits are
available for doublewide garage doors. These can reinforce your garage
door by installing horizontal and/or vertical bracing onto each panel.
Heavier hinges can also strengthen your home.

This article is brought to you by Peter Tuttle, CPA.  You may contact me by sending an e-mail via the link to the right of my active rain blog page.  Please visit my website at

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