1 Insurance loss drivers and mitigation for Australian housing in severe wind events Daniel J. Smith1, David J. Henderson1, John D. Ginger1 1Cyclone Testing Station, College of Science, Technology, and Engineering, James Cook University, Townsville, Australia email:
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[email protected] ABSTRACT: Damage investigations conducted by the Cyclone Testing Station (CTS) following severe wind events have typically shown that Australian homes built prior to the mid-1980s do not offer the same level of performance and protection during severe wind events as homes constructed to contemporary building standards. A direct relationship between observed damage modes and societal cost is needed to inform cost-benefit analysis of retrofit mitigation solutions. Policy data from one insurer in the North Queensland region of Australia during Cyclone Yasi (2011) were analyzed to identify correlations between claim value, typical damage modes, and construction age. Preliminary results suggest that ancillary damages (i.e. fabric shade coverings, roofing vents, wind-borne debris impacts on wall cladding, etc.) contribute significantly to overall loss for all ages of housing construction. In addition, the frequency of severe structural and water ingress damages is shown to be higher for legacy housing in a region subjected to wind speeds below design level. Structural retrofitting details exist for some forms of legacy housing in Australia but the utility of these details is limited. Hence, the issues of retrofitting legacy Australian housing, including practicality, economy, etc. must also be analyzed. A recently conducted survey of building industry representatives in Australia indicates that the utility of current retrofitting guidelines is inhibited by cost and facultative status.