The Georgia Underwriting Associationâ€™s Plan of Operation, Section 1, â€œItem 3, calls for the GUA to encourage the improvement, protection, and preservation of real properties in the State of Georgia and to further orderly community development.â€ As just one of the steps toward fulfilling this mission, the Board of Directors has adopted a mitigation program.
The Insurance Institute for Business and Home Safety (IBHS) administers the Fortified Home program which is a natural hazard mitigation program and Georgia Underwriting Association recognizes this program. The credit only applies for the wind peril under the homeowners and dwelling programs. Three levels of Fortified Home designation are available as follows: 5% for Bronze, 7.5% for Silver, and 10% for Gold. To obtain the credit, the insured must produce a document from IBHS which certifies that the home was constructed to the IBHS Fortified for Safer Living standards.
SIX SIMPLE STEPS TO FORTIFIED
- STEP 1. APPLY
Complete a free online application here. It takes less than 5 minutes.
- STEP 2. SCHEDULE A FORTIFIED EVALUATION
Once an application is received and processed, the applicant will be directed to a list of IBHS CertiÂ¬fied FORTIFIED Evaluators working in the area. The applicant then schedules a fee-based evaluation of the home. The applicant has the option to interview any evaluator listed, discuss their fees and negotiate accordingly. IBHS certifies only those evaluators who have completed a comprehensive training program, passed an exam, and who meet IBHSâ€™ rigorous profesÂ¬sional requirements.
- STEP 3. HAVE FORTIFIED EVALUATION PERFORMED
At the scheduled time, the chosen evaluator will visit the home and conduct a FORTIFIED Evaluation. The evaluatorâ€™s role is to collect information about the home and complete a comprehensive checklist provided by IBHS. At the conclusion of the evaluation, the information is transmitted to IBHS for analysis and processing.
- STEP 4. RECEIVE AND REVIEW CUSTOMIZED REPORT
After the evaluation, the applicant will receive access to a comprehensive, customized Current Condition Report via a personal, secure online portal. This report includes analysis of the homeâ€™s condition, an explanation of deficiencies, if any, and an overview of the improvements needed to achieve each of the three FORTIFIED designations. If there are no retrofits required, a designation certificate will be issued at this time.
- STEP 5. TAKE ACTION
If retrofits are needed, the Current Condition Report will be a roadmap for making the home more disaster resistant. The applicantâ€™s FORTIFIED Action Plan begins with deciding what level of protection they want to achieve, identifying the needed retrofits and having the work performed. Upon completion, the FORTIFIED upgrades must be verified for compliance by a certified FORTIFIED evaluator. The evaluator will submit compliance documents to FORTIFIED Home for review and processing.
- STEP 6. GET DESIGNATED
Once the FORTIFIED evaluator verifies the improveÂ¬ments have been made, a FORTIFIED Designation is awarded. The FORTIFIED Designation Certificate is proof of compliance and should be submitted to the Georgia Underwriting Association to receive applicable discounts. Check with Georgia Underwriting Association for more details about FORTIFIED incentives.
Once awarded, a FORTIFIED Home Designation lasts for five years. At the end of that term, a re-designaÂ¬tion audit is required and will focus on the condition of the roof covering. If major structural changes have been completed or if systems covered by FORTIFIED requirements have been damaged or upgraded since the original designation was awarded, a more extenÂ¬sive audit may be required.
SIX SIMPLE STEPS TO FORTIFIED
FORTIFIED HomeTM is a program of the Insurance Institute for Business & Home Safety
Find additional information at DisasterSafety.org/fortified/home OR visit facebook.com/buildfortfied
for more information.