Direct Answer When an insurance engineer evaluates a commercial roof, the engineer may request documentation showing when the roof was installed, what roofing system is present, how it has been…
Direct Answer A loss prevention recommendation is a risk-control recommendation made by an insurer, insurer-appointed inspector, or loss-control professional after identifying a condition that could increase the likelihood or severity…
- August 14, 2026
How do FM requirements affect rooftop equipment anchorage?
Direct Answer FM requirements can significantly affect how rooftop equipment is anchored because FM Global’s property loss prevention guidance treats rooftop equipment as a wind-exposure issue, not simply an equipment-installation…
- August 14, 2026
How does FM treat an existing roof during a recover?
Direct Answer When FM Global treats an existing roof as part of a re-cover, the new roof components are installed over the existing roof cover rather than stripping the entire…
Direct Answer The code requirements for a permanent roof access ladder depend on the building, the purpose of the roof access, the applicable Florida Building Code edition, and whether the…
Direct Answer For a commercial roof that must meet FM requirements, the qualified person for formal field verification is generally an independent Verification/Construction Observer (VCO) who meets the qualifications specified…
- August 14, 2026
Can a Florida condominium association still waive roof reserves?
Direct Answer For most Florida condominium associations subject to a Structural Integrity Reserve Study (SIRS), roof reserves can no longer simply be waived or reduced. Florida law changed the reserve…
Direct Answer A self-closing safety gate at a roof hatch is a spring-loaded or otherwise automatically closing barrier installed at the entrance to a roof access opening. It allows an…
Direct Answer Florida’s Structural Integrity Reserve Study (SIRS) legislation significantly changes how qualifying condominium associations must plan and fund major roof repairs and replacement. For residential condominium buildings that are…
Direct Answer In Florida, a milestone inspection is generally required for residential condominium and cooperative buildings that are three or more habitable stories in height. The requirement applies to buildings…