Hurricane Damage Mitigation Instructions And Certification printable pdf download

Hurricane Damage Mitigation Instructions And Certification

NEW JERSEY INSURANCE UNDERWRITING ASSOCIATION

Hurricane Damage Mitigation Certification

Policyholder Instructions

The purpose of this form is to allow policyholders in the 116 coastal area zip codes to

request a reduction in the hurricane deductible applicable to their insured property. To do

so, complete pages 3 and 4 of this form, enclose the required documentation, and mail all

information to:

New Jersey Insurance Underwriting Association

744 Broad Street

Newark, NJ 07102

Specific instructions for each question on the form are as follows:

1. The BOCA National Building Code of 1996 and the CABO 1 and 2 Family Dwelling

Code of 1995 were adopted in New Jersey as of January 6, 1999. Both require roof

construction that should withstand 85 mph winds. Therefore, if your property was

built after 1-6-99 it is presumed to comply with this guideline. If your roof was totally

remodeled, not just re-shingled, to comply with building codes effective 1-6-99, it is

also presumed to comply with this guideline. Check either item a or b as appropriate,

and provide receipts or contract. If your property was built prior to 1-6-99, and the

roof has not yet been updated, check c, and continue.

2. If your home is not built with wooden roof trusses, check item c, and continue to next

question. The BOCA National Building Code of 1993 and the CABO Code of 1992

were adopted in New Jersey on November 1, 1993. Therefore, if your property has

roof trusses, and was built after 11-1-93, it is presumed to comply with this guideline.

If your property was built before 11-1-93, and you subsequently installed hurricane

clips, check item b, and provide receipts or contract for work completed.

3. Damage is generally much more severe if wind and water reach the interior of your

property. All exterior glass must be protected from breakage by flying debris. If your

property is equipped with metal or solid wood panel shutters, which will be closed

over all glass before a storm, check item a. If you will fasten plywood over all glass

before a storm, check item b. If your property is equipped with impact resistant glass

material (labeled or listed in compliance with SSTD - 12-97) check item c, and

provide receipts or contract for installation.

HD 99 03 (10-2007)

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Hurricane Damage Mitigation Instructions And Certification