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Hurricane Ike Damage
Assessments
&
Building Permits
September 28, 2008 10:00
Printable Version
DAMAGE ASSESSMENTS
The City
of Shoreacres is a participating community in the
National
Flood Insurance Program (NFIP). Our participation makes it possible
for the citizens of Shoreacres to purchase flood insurance.
As a
requirement of our NFIP participation (11/20/1970) the City has adopted and regularly
updates a
Flood Damage Prevention Ordinance. Our most current Ordinance was
adopted in May 2007. Shoreacres is NFIP Community Number 485510.
The
City, in cooperation with other state and local agencies, will conduct
damage assessments on all residential structures damaged by Hurricane
Ike as quickly as possible. This assessment is required before permits
can be issued for repairs.
Structures (houses) that have suffered "Substantial Damage" as a result
of Hurricane Ike will be required to have the lowest floor elevated to
or above the minimum base flood elevation (MBFE) which is FEMA base flood
elevation plus one foot free-board.
Substantial Damage is defined as damage to the structure to the
extent that the cost of restoring that structure to its before damaged
condition would equal or exceed 50 percent of the market value before
the damage occurred.
Substantial Damage is determined without regard to the actual cost to
the owner. Repair costs must be calculated on the true cost of
bringing the building back to its pre-damage condition using qualified
labor and materials obtained at market prices. The estimated cost of
repair must include all costs necessary to fully repair the structure,
even if the owner intended to do less.
The cost of hurricane repair cost will typically
include the following structural items:
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Removal of wallboard, baseboard and insulation
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Installation of new wallboard, baseboard and insulation
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Tape and paint walls
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Removal and replacement of carpet, carpet pad, and vinyl flooring
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Dry
floor and replace warped flooring
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Replacement of cabinets (kitchen, bathrooms, built-ins)
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Replacement of built-in appliances
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Replacement of doors
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Replacement of broken windows
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Replacement of furnace, air conditioning, and water heaters
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Clean and disinfect duct work
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Replacement of outlets and switches; clean and test wiring
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Clean and test plumbing
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Repair to porches and steps
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Roof repair
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Exterior cleaning and painting
The cost of hurricane repair cost will not include
the following items:
Repair
cost estimates will be determined by field surveys conducted by
qualified damage estimators or insurance adjustment documents (excluding
damage to contents).
Public insurance adjusters are licensed by the State of Texas.
The
city will need a copy of your insurance adjuster's report for building
damage (we do not need the report on contents damaged).
Market
value will be determined using the most current market value certified
by the Harris
County Appraisal District. The value used in the calculation is that
of the structure and excludes the land value. The property owner may, at
their option, submit an appraisal prepared by an independent
professional appraiser for consideration. Such appraisal must provide
separate market values for the structure(s) and land.
BUILDING PERMITS
A damage
assessment will be required prior to the issuance of building permits
for the repair of any residential structure damaged by Hurricane Ike
(flooding, storm surge, wind, or falling tree).
Building
permits will not be issued for the repair of buildings that have
been determined to have Substantial Damage (as defined by Shoreacres City Code, Chapter 30)
unless the lowest floor is, or will be, elevated to or above the
Minimum
Base Flood Elevation (MBFE). The Minimum Base Flood
Elevation (MBFE) in Shoreacres is
12 to 18 feet depending on location as indicated on the
Flood Insurance Rate Map (FIRM) as revised June 18, 2007.
A
building permit and "cover inspection" will be required for the
replacement of wallboard. Structural members, electrical and plumbing
will be inspected prior to the installation of insulation and wallboard.
All electrical outlets, switches and other devices that were submerged
must be replaced with new devices.
Permits that can be issued without prior completion of damage assessment:
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