Flood Risk Evaluator
What is the Flood Risk Evaluator? • A Division of Smart Vent Products, Inc. • Patented Evaluation Software combined with the expertise of Certified Floodplain Managers and Insurance Agents • 15+ years of promoting sound floodplain management • Service for Realtors, Homeowners, Surveyors, Insurance Agents, Architects, Builders, and Community Officials • Goal is to lower NFIP Flood Insurance Premiums • Lower Flood Premiums = More Attractive Homes to Sell
F.R.E. Evaluation Service Provides
What We Need To Get Started Email these to ec@yourfloodrisk.com or Upload them to www.yourfloodrisk.com Elevation Certificate and Insurance Declaration Page
F.R.E. Flood Risk Report: Milford, CT – Pg. 1
F.R.E. Flood Risk Report: Milford, CT – Pg. 2
F.R.E. Flood Risk Report: Milford, CT – Pg. 3
Summary In many cases clients receive refund checks for that years policy. AVERAGE ROI: 2 Years
How Hydrostatic Pressure Works
Effects of Lateral and Vertical Hydrostatic Force B A C D
Effects of Lateral and Vertical Hydrostatic Force Hydrostatic force is so damaging that NFIP Regulations state that a community shall: “Require, for all new construction and substantial improvements, that fully enclosed areas below the lowest floor that are usable solely for parking of vehicles, building access, or storage in an area other than a basement and which are subject to flooding shall be designed to automatically equalize hydrostatic flood forces on exterior walls by allowing for the entry and exit of floodwaters .” Title 44 of the Code of Federal Regulations, in Section 60.(c)(5)
Purpose of a Flood Opening
Where They Go: Crawlspaces
Where They Go: Full Height Enclosures, Townhouses
Where They Go: Attached Garages
Engineered Openings: Smart Vents Flood door closed, obstructing the A Performing Engineered Opening opening . mechanically operates, automatically activated to reveal an un-obstructed opening during design flood with a minimum unobstructed opening of 3”. Because a rodent screen is required by ICC code for any under floor opening it requires a Engineered Opening to go from a obstructed opening to a unobstructed opening when activated. Flood door activated, reveals an un-obstructed opening.
Smart Vents: Passive Relief Engineered Opening – An Engineered Opening is a mechanical opening, which is activated by water during a flood revealing an unobstructed area for which floodwater can flow through to equalize the hydrostatic loads on the enclosure wall. These openings are performance tested and certified to cover a square footage amount. They have an ICC-ES Certificate. Pictured : Engineered flood vent following Hurricane Ida (2009)
ICC-ES Engineered Smart Vents Designed, Tested, & Certified for performance Designed and certified based on computations (TB1 and ASCE 24) ICC-ES Certified: AC-364 (MOFV) 3 ” min dimension for debris flow
Case Study: House Lifted 4 ft. Above BFE • Lifted Home in 2004 • Primary Residence • Current BFE 8 ft. • Has paid over $15,000 for NFIP Insurance over 10 years
After Lift Premium -4 Rating $2,038 $175,000 coverage
Not Sub Grade “F” not larger than “A”
“Bingo” Needs Vents Retrofitting (6) ICC-ES Certified Engineered Flood Vents Cost: $2,500
House Lifted 4’ Above BFE BFE 8 ’ Bottom Floor 3.5’ ( -4) Rating
House Lifted 4’ Above BFE Next Higher Floor 11.7’ With Retrofit (+4) Rating BFE 8 ’ Bottom Floor 3.5’ ( -4) Rating
Result +4 Rating 86% Reduction ROI: 1.5 years Old Premium = $2,038 New Premium = $281 10 year total for coverage should have been: $2,810 * Actually Paid: $15,000+
Remember: What We Need To Get Started Email these to ec@yourfloodrisk.com or Upload them to www.yourfloodrisk.com Elevation Certificate and Insurance Declaration Page
Thank you for your time. Questions? Contact us at: www.yourfloodrisk.com Phone: 866-599-7065 Email: ec@yourfloodrisk.com
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