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Hurricane Laura off the coast of Louisiana in NOAA imaging

Resources

News & Resources
  • Condo Recertification Inspection

    South FL Condo Buildings Require 40-year Recertification Inspection

    Florida Condo Building – Photo by Complete

    The need for professional inspections of multifamily mid-and high-rise structures has never been clearer than in recent times. Our firm has been a leader in water intrusion and building inspection services for more than 20 years and we welcome this attention to detail.

    Our engineers expect that there will be major changes in the state of Florida requiring inspections and maintenance of our aging building stock. These requirements for inspection and repair are a tool and guideline for the overarching need to maintain these often-times waterfront condos.

    While they are only a requirement at 40 years of age and every 10 years thereafter in Broward and Dade as of the fall of 2021, boards of directors and property managers can expect to see these requirements to come from a county hall near you soon! We hope that this attention to safety will gain traction and encourage unit owners to understand the enormity of the challenges faced by older buildings on the coast and to value good maintenance practices when they pay their dues, when they vote for condo officers, and when they purchase only well-maintained structures. When it is all broken down this is a financial issue, dollars and cents, and those meetings require difficult decisions to be made to protect communities and the people that make them up. Common sense approach to maintenance begs for long term planning supported by reserve studies based on the realities of fluctuating construction costs and real life age expectations for as-built roof and wall claddings and other building systems. These costs of quality maintenance can and should be manageable, and that is the blueprint we hope to provide in our building certification and condition reports.

    Condominium buildings, in a small footprint, provide sanctuary to many lives and families. The design of condo living includes all the members of the Home or Condo Unit Owners association having a fractional ownership in the building as a whole. The nature of an (HOA) Homeowners Association also prescribes how a building is to be insured, the voting rights of the members and creation of a Board of Directors. The unit owners elect the board, and the board is given many responsibilities. The responsibility of the HOA includes the requirement to provide insurance to protect against losses, to maintain the building, and to collect dues amongst others. Board membership is sometimes a difficult job, but one of critical importance in protecting a community. Local government can assist HOA and unit owners by adopting language in regards to safety inspections of structural, electrical and lighting components of a building. Following is an example of how this was done in South Florida following the collapse of the Miami Field Office of the DEA, tragically killing seven on August 5th, 1974.

    Condo Recertification Inspection
    Beach Front Condo Building – Image by Complete

    From FBPE (Florida Board of Professional Engineering)

    Subsection 104.6, SFBC, Structural Determination, defined structural as “any part, material or assembly of a building or structure which affects the safety of such building or structure and/or which supports any dead or designed live load and the removal of which part, material or assembly could cause, or to be expected to cause, all or any portion to collapse or to fail.”
    The building officials were required to send a “Notice of Required Inspection” to owners of buildings 40 years or older regarding recertification. The owner had to provide a written report, prepared by a Professional Engineer or architect registered in Florida, certifying that a building was structurally safe for the specified use or continued occupancy in accordance with the Recommended Minimum Procedural Guidelines for Building Recertification issued by the Building Official.

    This applied to all buildings except single-family residences, duplexes, and minor structures. Minor structures have an occupant load of 1O or fewer and a gross area of 2,000 square feet or less. “The report shall only be made by an engineer or architect qualified by training and experience. The report must indicate the manner and type of inspection forming the basis for the report,” as stated in the building code.

    Report Categories
    When drafting the report, consider these categories:

    • Foundations
    • Roofs, roofing
    • Bearing walls
    • Floor systems
    • Concrete framing systems
    • Steel framing systems
    • Windows, wall openings

    You can read this entire article by the FBPE here.

    Men at work
    Florida Condo Construction – Photo by Complete

    The mixture of ownership within a condo is complex and overlapping but the responsibility for structural stability remains with the HOA. This should work fine with the the replacement of roofs at 20-to 40-year intervals but can become more complex in the vertical walls. Fenestration systems or windows can be a large driver of water intrusion in condo structures and are reliant on an HOA-installed and maintained stucco or other siding system. Some homeowner boards allow individual owners to contract their own window replacements with the obvious challenges.

    I wrote another post about the the duty to insure further clarified in Florida by statute and in other states by the by-laws.

    Florida’s method of HOA responsibility as a state statute is best, as it provides continuity across the industry. In essence, the HOA is to provide for maintenance and an insurance policy designed to protect the exterior of the building. This protection covers the exterior, whether that is stucco, brick or siding, the windows and doors, plus the structural walls behind them. Some buildings are concrete and rebar, some wood, and some steel-framed with infill of metal studs. The HOA is responsible for any central HVAC electrical and plumbing systems and the wall board, drywall or plaster walls. Unit owners must acquire an HO6 policy in Florida which provides coverage for the finishes – ceiling, wall and floor, the trim, and the cabinets.

    In the same way that the condo HOA policy requires insurance on the buildings structures so exists the duty to maintain these portions of the building. Maintenance is expensive and damages to a structure can often go undetected by the untrained eye. Water is the enemy of materials and is the basis for most issues in construction. The introduction of water and the salts and other corrosive materials behind condo walls is the beginning of a slow death for a building, and only careful attention to inspection and maintenance will keep rust or rot at bay.

    Complete is a licensed general contracting and engineering firm specializing in the study of the built environment with our suite of construction and engineering professionals. Our team has inspected thousands of properties across the southeast for more than 25 years. We have a genuine desire to help our clients make good, sound decisions that they can feel confident about based on actionable, well-reasoned reports from seasoned engineers. Our team is a high tech one that relies on moisture mapping and thermal imaging, both hand held and drone-mounted, to identify latent water issues in concrete construction by FLIR certified staff. We use 4D mapping software and our in-house team of FAA 107 licensed remote pilots to gather extremely high resolution images for study and reporting purposes. The inside staff at Complete writes reports that work that convey the message and give you the ability to make the right decisions. We have been involved in the restoration of commercial and residential structures for all of the 25 years the firm has been in business and we hope to show you why we continually get hired by the best in the business.

    • FBPE on 40 year cert

      FL BPE

  • Online Forms

    Complete, Inc. is happy to provide the following forms to our friends and customers. If you find yourself in need of appraisal, construction, expert witness or restoration services, give us a call today and let Complete handle your needs with the prompt, professional service upon which we have built our reputation.

    • Umpire Selection Form (DOC)
    • Blank Appraisal Award Doc (DOC)
    • TDI rules for appraisal (PDF)
  • Wind V. Flood

    • Wind V Flood - presentation for Florida State University - School Of Business - John Minor (PDF)

      Wind V Flood - John Minor - Stormrisk.org

    • Wind V Flood - presentation for Storm risk .org (PPT)
    • FEMA - Wind V Flood Investigative Tips W-08008 (PDF)
    • FSU PowerPoint (PPT)
    • Hurricane Claims - Costs codes & prevention (PDF)
    • Ondis v State Farm (PDF)
    • Vista Power Point (PPT)
    • Wind v Flood 2009 v 09 09 (PPT)
    • Wind v Surge - John MInor CGC, CFM @ Windstorm Conference 2009 (PPT)
    • Wind v Surge v.06-2010 (PPT)
    • Windstorm Conference - Houston - Wind v Flood 2009 (PPT)

      Wind V Flood - John Minor CGC, CFM

  • Labs and Testing

    • Environmental Microbiology Laboratory, Inc.

      Environmental Microbiology Laboratory, Inc. specializes in the analysis of air and surface samples for fungi, mold, bacteria, allergens, and asbestos. EmLab is the leading commercial indoor air quality testing laboratory in North America.

    • Phoenix EnviroCorp
  • Insurance Claims Resources

    • Claims Pages
    • South Carolina Claims Association
    • North Carolina Adjusters Association
    • Simultaneous Solutions, Inc.
    • Vale Training Solutions
    • Xactware, Inc.
    • Statute 558 (DOCX)
  • Informational Resources

    • Mold Report

      Online store and other information about Mold Report

    • Restoration Consultants
    • Smithsonian Museum Conservation Institute

      Guidelines for caring for and preserving furniture and wooden objects, paper based materials, and preservation studies.

    • An Office Building Occupant’s Guide to IAQ

      U.S. Environmental Protection Agency (EPA), Indoor Environments Division (IED)

    • Biological Pollutants’ Impact on Indoor Air Quality
    • Building Air Quality Guide: A Guide for Building Owners and Facility Managers
    • Creating Healthy Indoor Air Quality in Schools
    • Flooding
    • Indoor Air Quality (IAQ)
    • Indoor Air Quality in Offices and Other Large Buildings
    • Mold Resources for Schools and Commercial Buildings
  • Hurricane Information

    • National Hurricane Conference 2011 (DOC)
    • Florida Coastal Monitoring Program - Hurricane Harvey Observations (PDF)

      Florida Coastal Monitoring Program - Hurricane Harvey Observations

    • Hurricane Irma 2017 – National Weather Service
    • Irma Survey 10.26.17 (PDF)

      Hurricane Irma 2017 - NWS document

    • NWS Miami Hurricane Irma Post Analysis (PDF)
    • Hurricane Michael 2018 – National Weather Service (PDF)
    • Hurricane Michael Data – Florida Office of Insurance Regulation (PDF)
  • Flood Insurance

    • After Sandy & Biggert - Waters Act (PPT)
    • Post Sandy & Biggert - Waters Act (PDF)
    • Private Flood Insurance (PDF)
  • FEMA

    L273 Visual

    • Flood of 1927 (AVI)
    • Instruction Memo (PDF)
    • Private Flood Insurance (PDF)
    • Proof of Loss (PDF)
    • Testimony of Administrator Craig Fugate (DOCX)
    • Handbook for Disaster Assistance (PDF)
    • Help After a Disaster (PDF)
    • FEMA - Flood & Wind Mitigation Accomplishments 2010 (PDF)
    • FEMA Homeowners Guide to Retrofitting P-312 2nd Ed 2009 (PDF)
    • FEMA Recommended Residential Construction for Coastal Areas P-550 2nd Ed 2009 (PDF)
    • FEMA Users Guide to Technical Bulletins TB0 (PDF)
    • FEMA Hazard Mitigation Brochure (PDF)
    • Flood and Wind Mitigation Accomplishments in 2010 and the First Quarter of 2011 (PDF)
    • FEMA Reinforce or Replace Garage Doors HOW 2016 (PDF)
    • FEMA Protect Windows and Doors with Covers HOW 2017 (PDF)
    • FEMA Brace Gable End Roof Framing HOW 2018 (PDF)
    • FEMA Secure Composition Shingle Roofs HOW 2031 (PDF)
    • Secure Built-Up and Single-Ply Roofs (PDF)
    • Rebuild Northwest Florida (PDF)
  • Equipment and Supplies

    • 3M Company
    • Alpine Air
    • American Shrinkwrap Co.
    • Anderson Windows, Inc. Division Anderson Corporation
    • Armstrong World Industries, Inc.
    • Austin Mohawk, Inc.
    • Benjamin Moore & Co.
    • Berridge Manufacturing Company
    • CB&I Inc. (formerly Howe-Baker), Sonozaire® Odor Neutralizers
    • CertainTeed Corporation
    • Clean Aire, Inc.
    • Cleanco Cleaning Products
    • Cleaning and Restoration Supply (CRS)
    • Dayton Superior Corp. – Symons Forming Systems
    • Dri-Eaz Products, Inc.
    • Dulux Paints
    • Grohe America, Inc.
    • Hurd Windows & Doors, Inc.
    • Inline Distributing Company
    • Jon-Don, Inc.
    • Juno Lighting Group
    • Kohler Company
    • Lincoln Windows
    • Ludowici Roof Tile
    • Master Builders Solutions by BASF
    • Moen Inc.
    • Munters – Moisture Control Services
    • Porcelanite, Inc.
    • ProRestore Products – UnSmoke and Microban
    • Pro Spec
    • Sherwin Williams Company
    • Sun-Belt USA
    • Trinity – Vac Systems
    • Woodtech, Inc.
  • Construction Documents

    • Florida's Construction Lien Law (PDF)
    • New Home Warranty Act 1-1 (PDF)
    • Release of Lien and Affidavit (PDF)
    • Restoration-Estimate-Form (DOC)
    • Wind Mitigation Form (PDF)
    • Work Authorization v.2010-2 (DOC)
    • Work Authorization v.2010 (DOC)
  • Construction and Engineering Firms

    • The Blue Book of Building and Construction
  • Chambers of Commerce

    • Destin Area Chamber of Commerce
    • Gulf Breeze Area Chamber of Commerce
    • Mississippi Gulf Coast Chamber of Commerce
    • New Orleans Area Chamber of Commerce
    • Perdido Key Area Chamber of Commerce
  • Building Science

    • Tile Terminology (DOCX)
    • K17933-FlashingGuidelinesBEFORE-10-30-11 (PDF)
    • PermaBarrierWallFlashing (PDF)
    • Royal Sovereign & Sentinel 25 yr 110 moh shingle (PDF)
    • selfSealingAsphalt-TechBulliten1-sealStrip (1) (PDF)
    • selfSealingAsphalt-TechBulliten2-windResistance (PDF)
    • selfSealingAsphalt-TechBulliten3-windDamage (PDF)
    • TAS 105-98 (PDF)
  • Building Codes

    1969 SBC

    1969-CH 1-7 (PDF)
    1969-CH 8-18 (PDF)
    1969-CH 19-INDEX (PDF)
    1971 REVISION (PDF)
    1972 REVISION (PDF)

    1973 Building Code

    1973-APDX B-APDX J (PDF)
    1973-CH 1-4 1973-CH 5-7 (PDF)
    1973-CH 8-10 (PDF)
    1973-CH 11-16 (PDF)
    1973-CH 17-APDX A (PDF)
    1973-INDEX (PDF)
    SBC 1988 (PDF)

    Additional Building Code Documents

    2003 International Building Code (PDF)
    SBC 1981 (PDF)
    Island Authority 50% rule (PDF)
    FL Existing Building revised Nov 06 (PDF)
    FL CODE 2004 CHP 15 (PDF)
    FL CODE 2004 CHP 2 (PDF)
    Escambia County 3 ft Freeboard (DOCX)
    City of Biloxi Zoning Map 07 09 (PDF)
    2006 International Residential Code 2003_IBC-7 (PDF)
  • Associations and Institutes

    • American Architectural Manufacturers Association
    • American Concrete Institute
    • American Conference of Governmental Industrial Hygienists, Inc. (ACGIH)

      Occupational and environmental health and safety information.

    • American Industrial Hygiene Association

      Information on industrial hygiene and indoor air quality issues including mold hazards and legal issues.

    • American Society of Heating, Refrigerating, and Air-Conditioning Engineers, Inc. (ASHRAE)

      Information on engineering issues and indoor air quality

    • American Society of Testing and Materials
    • Association of Occupational and Environmental Clinics (AOEC)

      Referrals to clinics with physicians who have experience with environmental exposures, including exposure to mold; maintains a database of occupational and environmental cases.

    • ASTM Technical and Professional Training
    • California Environmental Protection Agency
    • Centers for Disease Control and Prevention (CDC)

      Information on health related topics including asthma, molds in the environment, and occupational health.

    • Claims Yellow Pages
    • Carpet and Rug Institute (CRI)

      Carpet maintenance, restoration guidelines for water-damaged carpet, and other carpet-related issues.

    • Energy and Environmental Building Association

      Information on energy efficient and environmentally responsible buildings, humidity and moisture control, and vapor.

    • Environmental Protection Agency
    • Institute of Inspection, Cleaning and Restoration Certification (IICRC)

      Information on and standards for the inspection, cleaning, and restoration industry.

    • International Sanitary Supply Association (ISSA)

      Education and training on cleaning and maintenance

    • International Society of Cleaning Technicians (ISCT)

      Information on cleaning, such as a stain removal guide for carpets.

    • Mississippi Emergency Management Agency
    • National Air Duct Cleaners Association (NADCA)

      Duct cleaning information.

    • National Association of Homebuilders
    • National Association on the Remodeling Industry (NARI)

      Consumer information on remodeling, including help finding a professional remodeling contractor.

    • National Institute for Occupational Safety and Health (NIOSH)

      Health and safety information with a workplace orientation.

    • National Institute of Building Sciences (NIBS)

      Information on building regulations, science, and technology.

    • National Institute of Environmental Health Sciences

      The mission of NIEHS is to reduce the burden of human illness and disability by understanding how the environment influences the development and progression of human disease. Reference for information on mold.

    • National Institutes of Health

      The Nation’s Medical Research Agency – information regarding environmental health issues, including IAQ.

    • National Pesticide Information Center

      Information on pesticides and antimicrobial chemicals, including safety and disposal information.

    • Occupational Safety & Health Administration (OSHA)

      Information on worker safety, including topics such as respirator use and safety in the workplace.

    • Restoration Industry Association (RIA, formerly ASCR)

      Disaster recovery, water and fire damage, emergency tips, referral to professionals.

    • Sheet Metal & Air Conditioning Contractors’ National Association (SMACNA)

      Technical information on topics such as air conditioning and air ducts.

  • Appraisers and Umpires

    • 2012 WIND Umpire Directory (PDF)
    • 10 Xactware Overhead and Profit June 2011 (PDF)
    • 18 BONUS Social Media Explained (PDF)
    • 17 Order Form - Law and Procedure of Appraisal (PDF)
    • 16 Need for Comml Lead Paint RRP Rule 01-08-13 (PDF)
    • 15 Recent EPA Lead Paint Enforcement 02-18-14 (PDF)
    • DFS-I0-2082 (PDF)
    • F687 Claims Handbook (PDF)
    • 14 Contractor Fined 30K for Lead Paint 10-23-13 (PDF)
    • 13 Residential Solar Panel Coverage 11-27-13 (PDF)
    • 12 Is Coinsurance Penalty ACV or RCV 11-04-13 (PDF)
    • 11 Accurate Outcomes in Appraisal Spring 2012 (PDF)
    • 09 Xactware Depreciation Information July 2011 (PDF)
    • 08 TWIA Depreciation Factors (PDF)
    • 07 NAHB Life Expectancy Depreciation Feb 2007 (PDF)
    • 06 Florida SB 708 excerpt as of 02-13-14 (PDF)
    • 05 Umpire Rate Agreement (PDF)
    • 04 Appraisal Case Law Updates (PDF)
    • 03 Appraisal Clause Examples (PDF)
    • 02 Appraisal Forum Attendee Roster (PDF)
    • 01 Appraisal Forum Agenda (PDF)
  • Appraisal Forms

    • Appraisal_Demand_Form (DOCX)
    • Umpire Selection Form (DOC)
    • Blank Appraisal Award Doc (DOC)
  • Appraisal Case Law Resources

    • 10Aa_AI_J_Product_Changes_Personal_Lines_Appraisal_Language (PDF)
    • B Johnson v SF Lloyds (PDF)
    • B-5.26-Requirements-Related-to-Disputed-Claims-Subject-to-Appraisal (PDF)
    • Colorado-Appraisal-Dora-5-5.26 (PDF)
    • D Carbonneau v Am Family Mutual (PDF)
    • IN-RE-UNIVERSAL-UNDERWRITERS-OF-TEXAS-INSURANCE-COMPANY-1 (PDF)
    • Legal_Defense_Billing_Forensic_Audit_Report_ (PDF)
    • QBES Ins v French Ridge HO (PDF)
    • SF-Appraisal-Doc (PDF)
    • St. Charles Parish Hospital Service District No 1 V United Fire and Casualty Company (PDF)
    • Triple-S-Properties-Inc_-v_-St_-Paul-Surplus-Lines (PDF)
    • New_Home_Warranty_Act (PDF)
    • shaw-opinion020 (PDF)
    • FAQ_Consent_Order (PDF)

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