Miami-Dade vs DP-50 rating
#1
03-10-07, 11:05 AM
Miami-Dade vs DP-50 rating
I am in the market for replacement windows in NW FL. I found a co offering vinyl windows w/DP-50 (Design Pressure 50) w/ a 173mph wind resistance rating, but they are not Miami-Dade Co approved. The rest of my house would collapse in a 173mph hurricane.
I know the Miami-Dade Co rating includes impact & wind resistance, but what about the DP rating system, does it also include impact? Will H/O insurers also discount premiums for windows that are DP50 rated, but not Miami-Dade Co approved?
I know the Miami-Dade Co rating includes impact & wind resistance, but what about the DP rating system, does it also include impact? Will H/O insurers also discount premiums for windows that are DP50 rated, but not Miami-Dade Co approved?
#2
03-10-07, 05:47 PM
I would contact my Insurance company in writing and request a written opinion regarding their coverage with the different windows, and their ratings.
Being from somewhat inland, I have never understood the Miami-Dade ratings. They expect components to withstand much more than the entire structure could ever hope to withstand. Of course, in a sensible mind, if the weakest component can only withstand 173 MPH winds, then what good is a component that can withstand 220 MPH winds?
Being from somewhat inland, I have never understood the Miami-Dade ratings. They expect components to withstand much more than the entire structure could ever hope to withstand. Of course, in a sensible mind, if the weakest component can only withstand 173 MPH winds, then what good is a component that can withstand 220 MPH winds?
#3
03-10-07, 05:52 PM
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its the openings that cause structure failure , window or door goes , high winds rush in no where to go and the roof of or walls go .
window /door protection is paramount to structure survival
as to the op Personally I still shutter evan though most of my windows meet Miami dade standards so I wouldn't be concerned
window /door protection is paramount to structure survival
as to the op Personally I still shutter evan though most of my windows meet Miami dade standards so I wouldn't be concerned
#4
03-10-07, 06:23 PM
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Miami-Dade vs DP-50 rating
Much of the hurricane standards originated from tests in Texas where impact and projectiles from tornadoes were the early reasons for the tests and resulting standards.
Northern Florida (even Orlando recently) does have tornadoes, which have higher winds and are of shorter duration on a structure than a hurricane, but certainly do have a major impact on windows. It is not surprising to see a bit of a difference between window and wall standards since the failures for a structure are more dependant on duration time.
If you want to buy the insurance accept the criteria, find a different insurer or find a qualifying window and advertise that when you go to sell.
I am surprised the rest of the state is so slow catching up. Maybe someday the Gulf coast will also get smart.
Dick
Northern Florida (even Orlando recently) does have tornadoes, which have higher winds and are of shorter duration on a structure than a hurricane, but certainly do have a major impact on windows. It is not surprising to see a bit of a difference between window and wall standards since the failures for a structure are more dependant on duration time.
If you want to buy the insurance accept the criteria, find a different insurer or find a qualifying window and advertise that when you go to sell.
I am surprised the rest of the state is so slow catching up. Maybe someday the Gulf coast will also get smart.
Dick
