Mitigation - Residential Construction Mitigation Program
The Residential Construction Mitigation Program (RCMP) receives $7 million annually from the Florida Hurricane Catastrophe Trust Fund (ch. 215.559, Florida Statutes):
- Up to $3.4 million is to be used to improve the wind resistance of residences through loans, subsidies, grants, demonstration projects, direct assistance, and cooperative programs with local and federal governments. The program is developed in coordination with Advisory Council whose members consist of representatives from the Florida Association of Counties, the Florida Department of Insurance, the Federation of Manufactured Home Owners, the Florida Manufactured Housing Association, the Florida Insurance Council, and the Florida Home Builders Association.
- $2.8 million is designated for the Mobile Home Tie-Down Program. Based on legislative directive the Division of Emergency Management provides the funding directly to Tallahassee Community College (TCC). By statute, TCC prepares a separate report for the Governor and the Legislature on these directives
- $700,000 is designated for Hurricane Research to be conducted by Florida International University (FIU) to continue the development of an innovative research of a full-scale structural testing to determine inherent weakness of structures when subjected to categories 1 to 5 hurricane-force winds and rain, leading to new technologies, designs and products.
Categories Eligible Under RCMP
Residential Mitigation Retrofit Program
Through partnering with local housing authorities and non-profit organizations, the Division has been able to promote wind mitigation and provide hazard mitigation upgrades to residents. Funded activities include retrofits, inspections, and construction or modification of building components designed to increase a structure’s ability to withstand hurricane-force winds. The Retrofit Program utilizes the Florida Building Code as its standard for all retrofitting.
The RCMP encompasses projects that will promote public education and public information about wind mitigation and wind mitigation related areas. This also includes:
- Maintenance and enhancement of wind mitigation on-line information and program visibility
- Educating persons concerning the Florida Building Code cooperative programs with local governments and the Federal Government
- Training in regard to wind mitigation techniques, products and procedures, codes and standards, and related areas
ELIGIBLE APPLICANTS/ PROJECTS:
Any submitted project (submitted by State/Regional Agency, Local Government, Private Non-Profit or Educational Institutions) must coincide with one of the three project categories listed above. All eligible applicants shall be limited to one (1) application submission per category with no more than two (2) application submissions in a state fiscal year.
- DEADLINE TO APPLY:
NOFAs are advertised in the Florida Administrative Weekly and all RFPs are issued via the www.myflorida.com web portal.
- CONTRACT/GRANT PERIOD:
Contracts and grants can begin at any time during the fiscal year, but must all be terminated by June 30 of the same fiscal year. The state fiscal year is July 1 through June 30.
Grant Management Tools
Reimbursement and Reporting Forms
Attachment D - Request for Reimbursement
Attachment E - Justification of Advance Payment
Attachment F - Quarterly Report
Attachment H - Certification Regarding Debarment, Suspension, Ineligibility and Voluntary Exclusion
Wind Insurance Savings Calculator
This website allows Florida homeowners and builders to search for wind insurance incentives that are available for building features that reduce damage during high wind events like hurricanes. Building features that reduce wind damage include improved roof shingles, strong roof decks, hurricane clips/straps, impact resistant glazing or shutter protection for windows, roof shape, and other construction techniques.
Most existing houses have one or more wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state have many wind resistive construction features and will likely qualify for credits.
Hurricane Retrofit Guide
This Guide is intended to help you decide how to protect your home against the winds and rains of hurricanes. And, it is intended to help you decide what protection measures to do first. You will find that many of the retrofits or protective measures are easy to do for a physically fit homeowner. Other things may require the expertise of a handyman or contractor. For some homeowners, the information may at various points be "over their head" because it becomes too technical. That is ok, because the guide is intended to provide the homeowner with ideas as well as providing people familiar with construction or in the construction business with the technical help they may need to protect your home.
- A County Commissioner’s & Constitutional Officer’s Guide to Wind Mitigation Programs and Applications - ppt
- Make Mitigation Happen Locally (for local governments) - ppt
- Make Mitigation Happen (for homeowners) - ppt
- Residential Mitigation Techniques for the Florida Homeowner - ppt
- The Important & Benefit of Mitigating Your Home (a brochure) - pdf
- Make Mitigation Happen Booklet (Revised 2013)
Hurricane Loss Mitigation Program Annual Report - Calendar Year 2014 to the Legislature.
Obtain earlier reports in our Archives.
Residential Construction Mitigation Program Components:
- Florida International University Hurricane Research Program
- Mobile Home Tie-Down Program
- Low to Moderate Income Retrofit Project
Of moneys provided to the Department, ten percent is allocated to Florida International University to conduct research on the following issues: (1) elimination of state and local barriers to upgrading existing mobile homes and communities; (2) recycling of existing older mobile homes; and, (3) hurricane loss reduction devices and techniques for site-built residences. Read about current and prior year research activities. Also, read more about Florida International University Hurricane Research Program - Homeowners Incentive Team First Year Report.
Tallahassee Community College Mobile Home Tie-Down Program
Forty-percent of the $7 million total ($2.8 million) appropriated by the Legislature shall be used to inspect and improve tie-downs for mobile homes. Section 215.559, Florida Statutes, authorizes the Department to contract with Tallahassee Community College to administer the mobile home tie-down program.
The Mobile Home Tie-Down Program is a pilot project designed to demonstrate, test and raise awareness of new techniques to enhance manufactured home wind resistance. The goal is to reduce property damage from high wind events. A tie-down system is designed to secure the manufactured homes to the ground. Traditional tie-down systems use the longitudinal ground anchors and straps which sometimes corrode and disintegrate. The new tie-down system include lateral foundation systems with longitudinal stabilizer devices or ground stabilizer plates wherever possible. Tie-down retrofit services provided through this program must comply with the Rules of the Department of Highway Safety and Motor Vehicles, Division of Motor Vehicles, Chapter 15C-1, General.
For more information concerning the Mobile Home Tie-Down Program, contact Darrell Miller 850-201-8508 or email@example.com.
Grant funds are provided to local governments to retrofit homes using recommended mitigation techniques. The Retrofit Project leverages local housing rehabilitation dollars (SHIP, HOME, CDBG) by funding simultaneous mitigation retrofits on homes undergoing general rehabilitation. These funds support homeowners, who might not otherwise be able to benefit from insurance discounts for certain mitigation features. The project hopes to minimize insured loss exposure, promote the use of sound residential retrofitting, educate the homeowner to practical and affordable ways to strengthen homes, and increase public awareness.
The Florida Building Code (FBC)
Strengthening your Home
- Hurricane Retrofit Guide
- Federal Alliance for Safe Home (FLASH)
Insurance in the State of Florida
Meredith Van Valkenburgh
September 21, 2015 14:06