CHMS Mitigation Techniques & Technologies 5

Question 1

Under the NFIP, a structure is substantially damaged when repair costs equal or exceed what percentage of its pre-damage market value?

Accepted Answer

50%

Answer

Substantial damage is defined as damage where restoration cost equals or exceeds 50% of market value.

Question 2

Increased Cost of Compliance (ICC) coverage under a standard NFIP policy pays up to how much toward mitigation?

Accepted Answer

$30,000

Answer

ICC provides up to $30,000 to help bring substantially damaged insured buildings into compliance.

Question 3

Which window protection method is generally considered most effective for wind-borne debris in hurricane zones?

Accepted Answer

Impact-rated windows or tested storm shutters

Answer

Tested impact-rated glazing or shutters resist debris; tape provides no meaningful protection.

Question 4

Dry floodproofing is generally not recommended for flood depths greater than about:

Accepted Answer

3 feet

Answer

Above roughly 3 feet, hydrostatic pressure risks wall failure in typical buildings unless specially engineered.

Question 5

What is the main purpose of the IBHS FORTIFIED Roof standard?

Accepted Answer

Strengthen roof systems against high wind and wind-driven rain

Answer

FORTIFIED Roof focuses on stronger decking attachment, sealed roof deck, and edge details for wind/rain.

CHMS - Certified Hazard Mitigation Specialist Practice Test