What is Mitigation?

Mitigation means to make less harmful.

Mitigation needs to be applied to a building. Mitigation needs to be documented and permitted for compliance to Insurance companies.

How is mitigation applied? What are the types of mitigation that are applied to buildings? A design or knowledgeable construction professional that understands load forces that are established in the building codes, ASCE-7 or Flood code regulations can provide mitigation objectives. Insurance companies should understand and except mitigation upgrades that are documented for discounts. Florida requires home insurers to provide discounts for mitigation modification to existing homes.

Roof mitigation is mandatory when replacing your roof on certain valued homes. Mitigation is a good idea. Getting value for mitigation efforts is the trick! What is it that we are going to do and how much is my insurance cost going to be reduced?

Establish mitigation objectives. Has the structure flooded? What wind zone is the structure located in? Has a design professional determined what wind loads are on the building? Will the exterior support that load? Design professionals need to accomplish calculations. Adding up surface area and determining load points need to be taken from accurate building plans. No one can walk around a building and say what needs to be done. There are positive and negative wind loads on the building. A window or door installed on the 4th floor might be different then the door or window installed on the ground floor.

Flood proofing is never a bad idea. There are two types of flood proofing requirements for certain types of buildings. Dry flood proofing can be accomplished on commercial buildings and in common areas of multi-family areas. Wet flood proofing is required on residential below base flood elevation. Again, understanding specifically what needs to be done and how should be left to someone familiar with structural design and  Technical bulletins published by  FEMA.      

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