Loss Prevention Services

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Windstorm Protection Guidelines
Highly Protected Risk (HPR) Asset Protection “starts on the roof”
Overview
The roof is a building’s most critical and yet most vulnerable
asset. Roofs serve the purpose of completing the building
envelope along with the walls and floor; however, roofs carry thebulk of the load of a building’s weatherproofing purpose. As
critical as its foundation, a building’s roof supports critical exteriorloads, utilities, protection systems and equipment while serving toprotect its assets from the elements. When the wind begins toblow, all elements of the roof must perform uniformly including
equipment that is installed on the roof. Indeed, the foundation ofany building’s asset protection begins with the roof.

Strong, damaging winds can strike anytime.

PurposeWind forces create complicated load patterns
on buildings.

Tokio Marine America (TMA) HPR Property Loss Control windstorm
guidelines are intended to draw attention to best practices for roof
design, re-roofing, securement of equipment, preparedness andresponse for windstorm events and routine maintenance. Thedamage resulting from a windstorm has the potential to severelyinterrupt business for extended periods of time due to significant
damage to equipment, stock and utilities.
To best protect the assets located within your facility, begin with awindstorm risk engineering assessment. Then, take the necessary
steps during new construction, re-roofing and on a retrofit basis toensure your investments are well protected when nature strikes.
From a risk assessment standpoint, a building’s roof is a single point
failure mode potential. Utilizing the approach outlined in thereferenced technical resources introduced in this guideline will equip
the user to build a firm foundation for critical asset protection andbusiness continuity.

Roof failure has catastrophic consequences

Windstorm Protection Guidelines
Windstorm Risk Engineering Strategy
Tokio Marine America (TMA) HPR Property Loss Control recommends following Factory Mutual (FM) datasheets
for best protection against Natural Hazards. These windstorm guidelines adhere to the technical advice detailed
in the referenced documents. When considering new construction, major renovations, roof replacement or
updating your risk management plan, follow the TMA HPR Loss Control “WIND” advice as a best practice.
Wherever your facility is located, all new important structures
should be designed to meet applicable standards

Investigate all existing important structures for conformance toappropriate standards



Necessary

retrofit upgrades should be strategicallyconsidered following the advice of your Account Team Decide in advance to meet these guidelines by inclusion incorporate design specifications

TMA HPR Loss Control Plan Review services areavailable to assist with your projectTechnical Resources Available


Hurricane Preparedness – Guidelines to assist with preparing for a severe windstorm event and formalizing
pre-storm & post-storm procedures.

Roof Design and Protection – Technical resource for new construction, re-roofing existing buildings andretrofitting roof securement for best protection.

Rooftop Equipment Securement Guidelines – Facility maintenance technical resource to addressing roof
top equipment securement.



Rooftop PV Systems Windstorm Guidelines – Technical resource addressing the unique windstorm
protection challenges of PV Systems located on roofs.

Contact your TMA HPR Loss Control representative for copies of these resources and site-specific assistance toprepare your facility for a severe windstorm event.

A service of the Tokio Marine America Loss Control Department.
TMM is committed to the highest customer trust.
We exist to deliver ANSHIN (safety, security and peace of mind) to our customers by providing the highest quality services.
This information is provided solely as a client service. Tokio Marine Management, Inc. does not represent, warrant, or guarantee the appropriateness, validity or accuracy of this information in every situation.
This information does not necessarily cover every possible condition, protection, hazard, situation or exposure and is not warranted to be in compliance with laws, regulations, codes or standards in every
jurisdiction. This information is representative of reasonable practices in the industry. However, you may wish to investigate whether these recommendations are applicable to your specific operations. Loss
control is the responsibility of your management. | © 2016 Tokio Marine America, All Rights Reserved.
Tokio Marine America (TMA) is the marketing name for Tokio Marine America Insurance Company (TMAIC), Trans Pacific Insurance Company (TPI), and TNUS Insurance Company (TNUS).