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John G. Minor, General Contractor Complete, Inc. www. completecontracting. com WIND V SURGE John G. Minor, General Contractor Complete, Inc. www. completecontracting. com WIND V SURGE

Wind v Surge Wind v Surge

National Flood Insurance Program [NFIP] n n n n Originated in 1968 Supplemented by National Flood Insurance Program [NFIP] n n n n Originated in 1968 Supplemented by the Federal Disaster Protection Act of 1973 : Requires federally backed financial institutions and the mortgage loans that originate from them to require flood insurance Special Flood Hazard Area [SFHA] : 26% chance of being flooded during the term of a 30 year mortgage as compared to 9% chance of fire Since 1978 $31. 4 billion paid [as of 3/31/06] 1994 -2004 $2. 4 billion in claims paid : $16 billion in 2005 Currently 5 million policies in 20, 200 plus communities Source www. floodsmart. gov

NFIP Statistics n Flood Insurance Program ran up $17. 5 billion dollars in debt NFIP Statistics n Flood Insurance Program ran up $17. 5 billion dollars in debt n Interest costs are $900 million per year n NFIP rates are not actuarially sound and lead to a deficit with impact on the American tax payers

NFIP Flood Inundation Map Serves as an excellent tool when available after a loss. NFIP Flood Inundation Map Serves as an excellent tool when available after a loss. Maps are based on the observation of survey teams set up by FEMA.

NFIP Flood Inundation Map n An excellent tool, when available after a loss; these NFIP Flood Inundation Map n An excellent tool, when available after a loss; these maps are based on the observations of FEMA survey teams. n FEMA Map Svc Center @ FEMA. gov provides free FIRMettes for planning and understanding of the replacement costs locally. n http: //www. msc. fema. gov/

Mierzwa v Florida Windstorm n 2004 law enacted in Florida when so many storms Mierzwa v Florida Windstorm n 2004 law enacted in Florida when so many storms hit the state. n “Mierzwa” was the rallying cry of plaintiff attorneys heard around the Florida peninsula. n This ruling essentially stated that “a property that was a deemed total loss [destroyed by a storm or as result of the 50% rule] could rely that 1 -shingle of wind damage entitled the owner to policy limits on the wind policy.

Valued Property Law – Theory Insurance companies paid based on a portion of this Valued Property Law – Theory Insurance companies paid based on a portion of this theory - some fought, lost, received judgments and have now have had those judgments removed. These claims are back to square one and will need to be proven based on the actual damages to the roof area, windows, exterior claddings, interior water and structural damages. Many of these structures have since been razed.

DOCUMENTATION DOCUMENTATION

Location: n n n Distance from the Coast Exposure to Non-Buoyant Items Being Carried Location: n n n Distance from the Coast Exposure to Non-Buoyant Items Being Carried in Flood Waters Exposure Type n Higher wind speeds n Gulf or Waterfront n Height from Grade n Protection

Location: Location:

Pre-Existing Conditions: Construction Type n Poorly maintained exteriors can uncover hidden problems that affect Pre-Existing Conditions: Construction Type n Poorly maintained exteriors can uncover hidden problems that affect the way a structures reacts to wind and flood. n Windows are more likely to blow in if all of the studs are rooted around the opening. n Attention to how structures are built will connect the dots as to how they fail. . .

Pre-Existing Conditions: A claim settlement may have to rely on the owner’s or the Pre-Existing Conditions: A claim settlement may have to rely on the owner’s or the insurance company’s underwriter’s description of interior components Pre-storm photos provided by the owner to determine original construction type and quality are very helpful.

Age of Structure: Age determines Pre-Firm or Post-Firm construction [Flood Insurance Rate Map] and Age of Structure: Age determines Pre-Firm or Post-Firm construction [Flood Insurance Rate Map] and will direct coverage after a flood loss. Current flood elevation requirements regulate new construction & substantially improved properties. One can be surprised by apparently slab on-grade construction in an area that would seem to warrant pilings; this was common in Hatteras after Hurricane Isabel and was based on the application of a LOMA–F a map alteration allowing coverage.

Typical Pre-Firm Damage: Typical Pre-Firm Damage:

Typical Post-Firm Damage: Typical Post-Firm Damage:

DFIRM & LOMA Data: n n n DFIRM data and LOMA designate current elevation DFIRM & LOMA Data: n n n DFIRM data and LOMA designate current elevation requirements by revision date. Theoretically, structures built after a certain date will be built to the same elevation. Sometimes an owner will elect to build out a bottom floor regardless of good practice and/or local building code. This is a safety issue and a good local plain manager should disallow this practice. These areas invariably flood in lesser events and are havens for mold; they provide no safe place to live.

DFIRM & LOMA Data: Local municipalities regulate Elevation Requirements based on FIRM Maps, FEMA DFIRM & LOMA Data: Local municipalities regulate Elevation Requirements based on FIRM Maps, FEMA research and NFIP regulations; in some cases, additional requirements exist in certain areas. One instance is the 3’ Free Board requirement.

Elevation Certificate: One of first things to understand on any wind/water loss is the Elevation Certificate: One of first things to understand on any wind/water loss is the elevation of a property. This will tell you where are you in relation to sea level, grade at time of measurement and from floor to floor pre or post firm.

Elevation Certificate: n Determine if there are multiple elevations in a single structure that Elevation Certificate: n Determine if there are multiple elevations in a single structure that would affect flood lines n The timing of Permitting a Repair will determine the elevation requirements as municipalities adopt local codes and accept the maps drawn by FEMA for the local flood plain.

Elevation Certificate: http: //www. nspsmo. org If you are in need of an elevation Elevation Certificate: http: //www. nspsmo. org If you are in need of an elevation certificate for your property or residence; contact the National Society of Professional Surveyors.

Timing of Events: n Factual Data n Video Evidence n Weather Data n Storm-Chaser Timing of Events: n Factual Data n Video Evidence n Weather Data n Storm-Chaser Information

Concurrent Events: Wind Driven Waves n Rising Tidal Waters in Bays, Bayous & Sounds Concurrent Events: Wind Driven Waves n Rising Tidal Waters in Bays, Bayous & Sounds n Storm Water Runoff n Flooding from Lakes, Rivers and as a result of Dam Failure n

Damage Indicators: n Local Meteorological Observations n Eye Witness Testimony and/or Video n Damage Damage Indicators: n Local Meteorological Observations n Eye Witness Testimony and/or Video n Damage Associated with Flying Debris, Falling Objects and Uplift or Wind Damage

 Still Water v Velocity Water Determined due to physical damage indicators: n Scarring Still Water v Velocity Water Determined due to physical damage indicators: n Scarring on Pilings n Trees n Debris at Flood Level or Above

Physical Damage Indicators Physical Damage Indicators

Critical Early Documentation: § Photographs: § Roof § Trees/Exterior Damages § Building Components § Critical Early Documentation: § Photographs: § Roof § Trees/Exterior Damages § Building Components § Documentation of the Water Height - Still and Wave - in relation to the structure is important. [Grade & Sea Level]

Experts: n Meteorologist: Determine the timing of the different aspects of the claim as Experts: n Meteorologist: Determine the timing of the different aspects of the claim as to time and intensity of a storm. n Structural & Forensic Engineers: Overlay the weather data to the structure to determine within a reasonable degree of engineering certainty that what portions of a structure would have been damaged by a given peril. n Cost Providers: Present the costs associated with the individual causation determinations and building characteristics.

Digital Photos: The use of digital photography is now the norm. Overlays, imbedded notations Digital Photos: The use of digital photography is now the norm. Overlays, imbedded notations and audio can be installed in Xactimate and Adobe software programs.

 Documentation : Digital Photos Documentation : Digital Photos

Documentation : Digital Photos Digital photos can determine the degree of damage & allow Documentation : Digital Photos Digital photos can determine the degree of damage & allow you to map the water damage in a specific area.

Documentation : Digital Photos Conditions remaining after a loss can help in determining the Documentation : Digital Photos Conditions remaining after a loss can help in determining the overlay of the damage costs. In this case from Hurricane Katrina, the floor coverings and floor plan of this slab on-grade home is easy to identify.

Documentation : Digital Photos The site will reveal clues as to the former residence, Documentation : Digital Photos The site will reveal clues as to the former residence, i. e. , granite countertops were identified in the deposition of the owners house pictured above. An existing slab or piling spacing will allow for at least a representation of the size of the structure pre-loss. Engineers will look at anchor bolts and identify in some cases they can establish in what way the structure was removed from the slab, primarily associated with the direction the bolts are bent and the time that the wind was blowing in that way and whether the flood waters were to the house yet or not in full height.

Documentation : Digital Photos Every detail remaining on the site will become evidence at Documentation : Digital Photos Every detail remaining on the site will become evidence at trial as to expected stress loads a structure can be expected to withstand as to wind and flood causation.

Documentation : Digital Photos Digital documentation of the remaining structural components is crucial for Documentation : Digital Photos Digital documentation of the remaining structural components is crucial for file research down the road.

Thermal Imaging: n An excellent tool to detect anomalies in building components. Water holds Thermal Imaging: n An excellent tool to detect anomalies in building components. Water holds heat longer and results in water-damaged building materials retaining heat longer than adjoining or similar dry substrate. n Thermal Imaging can accurately delineate damages from wind and flood as long as they do not comingle.

Documentation : Thermal Imaging Documentation : Thermal Imaging

Documentation : Thermal Imaging Documentation : Thermal Imaging

Measurements: Measurements From Grade – Photos and record elevations with landmarks are likely to Measurements: Measurements From Grade – Photos and record elevations with landmarks are likely to remain; may require the use of a surveyor stick or marker. n Local Benchmark Data – Documenting elevation from grade in a neighborhood can go a long way in making sense of the reported facts of the loss. n

Documentation : Measurements Surveyor tools can tell the story visually in a way that Documentation : Measurements Surveyor tools can tell the story visually in a way that an elevation certificate can not.

Documentation : Measurements from the Finished Floor Elevation (FFE) Document the measurement up close Documentation : Measurements from the Finished Floor Elevation (FFE) Document the measurement up close with a tape, as well as from a perspective view. Inside measurements will eliminate the ramp-up effect of wave action.

Structural Accounting: In more difficult files, expect to interview the builder and/or any other Structural Accounting: In more difficult files, expect to interview the builder and/or any other person that can provide testimony as to how a property was constructed, including special features.

Policy Determinations: Direct Physical Damage definition in Flood Policy n Items to be Included Policy Determinations: Direct Physical Damage definition in Flood Policy n Items to be Included in Wind Portion of a Claim n Items to be Excluded from the Flood Coverage n Delineation of HOA/HO 6 on Commercial Residential Policies n Overhead and Profit Allowances n

 Substantial Damage Rule n ICC – Increased Costs of Compliance is available after Substantial Damage Rule n ICC – Increased Costs of Compliance is available after a property is deemed 50% damaged for costs associated with the elevation of a new structure and demolition of the old. n Letter of Substantial Damage (50% rule)

Replacement Cost Building Code Data is used for replacement cost determinations and with original Replacement Cost Building Code Data is used for replacement cost determinations and with original construction or substantial improvement to determine what code the structure should live to. Older structures are much more likely to be damaged by wind and/or flood.

Wind v Surge Out of date construction practices simply do not hold-up to catastrophic Wind v Surge Out of date construction practices simply do not hold-up to catastrophic events.

It is important to understand how a structure is put together to determine where It is important to understand how a structure is put together to determine where the flood stops and the wind begins.

Wind v Surge In the photo to the left, the effect Flood had removed Wind v Surge In the photo to the left, the effect Flood had removed the load bearing components of this spread foundation in one tier [left] at the same time the Wind has blown back the metal mansard.

Wind v Surge Code upgrades are a natural part of the evolution of coastal Wind v Surge Code upgrades are a natural part of the evolution of coastal construction and are why buildings are made stronger today.

Total Loss Determination This is when an entire structure has to be brought down Total Loss Determination This is when an entire structure has to be brought down regardless of causation.

Wind v Surge : Regulations n n n Recently the U. S. Government Accounting Wind v Surge : Regulations n n n Recently the U. S. Government Accounting Office (GAO), at the request of several members of congress, has found a potential “conflict of interest” in the (WYO) insurance companies administering hurricane claims and segregating the damages. The nature of this responsibility requires that the adjuster take into account causation in determining the loss and applying the damages to the Wind or Flood claim. This effectively puts the companies and its’ adjusters in the drivers seat as to loss ratio and costs to the company. NFIP claims that it does not have the authority to require submission of the claim data from the wind company and, therefore, can not guard against this potential self dealing. Source www. gao. gov

Wind v Surge n n The findings of the (GAO) and certain class action Wind v Surge n n The findings of the (GAO) and certain class action lawyers does not surprise me and is one of the factors that cause certain claims to be problematic. When an adjuster for the (WYO) member company sets the flood payments based on the description of direct physical damage too high in a structure, it is likely that following reports will duplicate the mistaken premise. This mistake will perpetuate the problem especially when the Flood policy begins to pay for items that very often are damaged by Wind in a hurricane. [Trees, Roof Framing, Windows, Soffit, Fascia and Gutter System, Siding] The causation when flood has blown out supporting walls or other elements of the foundation can become very difficult to determine and can greatly affect the outcome of a file and the ability of the owner to rebuild.

Wind v Surge n n Recent attempts at combining Wind and Flood into one Wind v Surge n n Recent attempts at combining Wind and Flood into one policy have been attempted under H. R. Bill 920 under the Multiple Perils Act of 2007, as well as by Congressman Gene Taylor of Mississippi. This act has been opposed by the insurance industry who say it could cause as much as $100 to $200 billion annually in losses - Flood coverage would end up being a huge issue for tax payers. Insurance industry lobbyist argue that while insurance has doubled since Hurricane Katrina that policies are typically available in many cases through JUA programs administered by various states, i. e. , Citizens or NC JUA. Some in government look at this as an economic development need citing that many projects are not moving forward as result of high insurance costs.

Current Event : Disaster in the Gulf John Minor Haz. Mat Certified : OSHA Current Event : Disaster in the Gulf John Minor Haz. Mat Certified : OSHA HAZWOPER 29 CFR 1910. 120

www. nationalenvironmentaltrainser. com www. nationalenvironmentaltrainser. com

Current Event : Disaster in the Gulf Karen Thornhill Santa Rosa County Office 850. Current Event : Disaster in the Gulf Karen Thornhill Santa Rosa County Office 850. 981. 7029

Resources and Links Resources and Links

Resources and Links Complete General Contractors n 913 Gulf Breeze Pkwy Suite 5 A, Resources and Links Complete General Contractors n 913 Gulf Breeze Pkwy Suite 5 A, Gulf Breeze, FL 32561 ; 866 -256 -2742 n Email: [email protected] com ; Website: www. completecontracting. com American Concrete Institute n 38800 Country Club Dr. , Farmington Hills, MI 48331 n Website: www. concrete. org American Architectural Manufacturers Association n 1827 Walden Office Square Suite 550, Schaumburg, IL 60173 ; 847 -303 -5664 n Website: www. aamanet. org American Society of Testing and Materials n 1 -800 -262 -1373 n Website: www. astm. org ASTM Technical and Professional Training n 1 -800 -262 -1373 n Website: www. astm. org Claims Yellow Pages n 537 Deltona Blvd Deltona, FL 32725 ; 800 -290 -1347 n Email: [email protected] com Website: http: //www. claimspages. com Community Associations Institute n 225 Reinekers Lane, Suite 300, Alexandria, VA 22314 ; (703) 548 -8600 n Website: www. caionline. org Environmental Protection Agency n 1200 Pennsylvania Avenue N. W. , Washington, DC 20004 ; (202) 272 -0167 n Email: [email protected] epa. gov ; Website: www. epa. gov

Resources and Links Mississippi Emergency Management n n 866 -519 -MEMA (6362) Email: memainfo@mema. Resources and Links Mississippi Emergency Management n n 866 -519 -MEMA (6362) Email: [email protected] ms. gov ; Website: www. msema. org Windstorm Insurance Network 2929 Langley Avenue, Suite 203 , Pensacola, FL 32504 n Email: [email protected] com , Website: http: //www. windnetwork. com/ National Association of Homebuilders n 1201 15 th Street NW , Washington, DC 20005 ; (800) 368 -5242 n Website: www. nahb. org n Air Purifiers-In Duct, Inc. n PO Box 2044, Delray Beach FL 33277 • (800) 442 -1247 n Email: [email protected] com • Website: http: //www. airpurifiersinc. net Alpine Air n 220 Reservoir Street: Ste 22, Needham Heights MA 02194 • (781) 449 -7979 or (800) 6282209 Association of Occupational and Environmental Clinics (AOEC) n Phone: (202) 347 -4976 • Website: http: //www. aoec. org n Referrals to clinics with physicians who have experience with environmental exposures, including exposure to mold; maintains a database of occupational and environmental cases.

Resources and Links Association of Specialists in Cleaning and Restoration (ASCR) n Phone: (800) Resources and Links Association of Specialists in Cleaning and Restoration (ASCR) n Phone: (800) 272 -7012 • Website: http: //www. ascr. org Disaster recover, water and fire damage, emergency tips, referral to professionals Eagle View n 2525 220 th St SE, Suite 203, Bothell, WA 98021 ; (866) 659 -8439 n Email: Customer. [email protected] View. com ; Website: www. eagleview. com Experts. com n 2800 W. March Lane, Suite 340, Stockton, CA 95219 ; 866 -239 -7378 n Email: [email protected] com ; Website: www. experts. com U. W. F Engineering n Building #70, room 116 , 11000 University Parkway , Pensacola, FL 32514 -; (866) 3405886 n Website: http: //uwf. edu/ece/ F. L. I. R n 1 -800 -GO-INFRA (464 -6372) n Website: www. flir. com ICC(International Code Council) n 5360 Workman Mill Road; Whittier, CA 90601 ; 1 -800 -423 -6587 n Website: www. iccsafe. org University of North Florida n 1 UNF Drive, Jacksonville, FL 32224 ; (904) 620 -1000 n Email: [email protected] edu ; Website: www. unf. edu

Resources and Links Clemson University n 201 Sikes Hall, Clemson, SC 29634 ; (864) Resources and Links Clemson University n 201 Sikes Hall, Clemson, SC 29634 ; (864) 656 -3311 n Website: www. clemson. edu Florida Institute of Technology n 150 W. University Blvd. Melbourne, FL 32901 (321) 674 -8000 n Website: www. fit. edu Louisiana State University n Louisiana State University , Baton Rouge, LA 70803 n Email: [email protected] edu ; Website: www. lsu. edu Texas Tech n 2500 Broadway, Lubbock, TX 79409; 806. 742. 2011 n Email: [email protected] edu ; Website: www. ttu. edu University of Alabama at Huntsville n 301 Sparkman Drive Huntsville AL 35899 ; 1 800 UAH CALL n Email: [email protected] edu ; Website: www. uah. edu University of Florida n University of Florida, Gainesville, FL 32611; 352. 392. 3261 n Website: www. ufl. edu University of Oklahoma n 660 Parrington Oval, Norman, OK 73019 -0390 (405) 325 -0311 n Website: www. ou. edu

Resources and Links American College of Occupational and Environmental Medicine (ACOEM) n Phone: (847) Resources and Links American College of Occupational and Environmental Medicine (ACOEM) n Phone: (847) 818 -1800 • Website: http: //www. siouxlan. com/acoem n Referrals to physicians who have experience with environmental exposures American Conference of Governmental Industrial Hygienists, Inc. (ACGIH) n Phone: (513) 742 -2020 • Website: http: //www. acgih. org n Occupational and environmental health and safety information American Industrial Hygiene Association (AIHA) n Phone: (703) 849 -8888 • Website: http: //www. aiha. org n Information on industrial hygiene and indoor air quality issues including mold hazards and legal issues American Society of Heating, Refrigerating, and Air-Conditioning Engineers, Inc. (ASHRAE) n Phone: (800) 527 -4723 • Website: http: //www. ashrae. org n Information on engineering issues and indoor air quality American Shrinkwrap Co. n PO Box 150152, Cape Coral FL 33915 • (239) 542 -9599 Toll Free (800) 229 -2904 n Email: [email protected] com • Website: http: //www. americanshrinkwrap. com Anderson Windows, Inc. Division Anderson Corporation n 100 4 th Avenue North, Bayport MN 55003 • (800) 426 -7691 n Email: link on website • Website: http: //www. andersonwindows. com Armstrong World Industries, Inc. n 2500 Columbia Avenue, Lancaster PA 17603 • (717) 397 -0611 or (800) 292 -6308 n Email: link on website • Website: http: //www. armstrong. com

Resources and Links Bracken Engineering n Website: http: //www. irp-fl. com Berridge Manufacturing Company Resources and Links Bracken Engineering n Website: http: //www. irp-fl. com Berridge Manufacturing Company n 1720 Maury Street, Houston TX 77026 • (713) 223 -4971 Toll Free (800) 231 -8127 n Email: [email protected] com or [email protected] com • Website: http: //www. berridge. com The Blue Book of Building and Construction n PO Box 500, Jefferson Valley NY 10535 • (800) 431 -2584 n Email: [email protected] com • Website: http: //www. thebluebook. com The Claims Page of the Carolinas n 223 East Main Street, Tavares FL 32778 • (800) 233 -8990 n Email: [email protected] com • Website: http: //www. claimspages. com California Environmental Protection Agency n Phone: (916) 323 -2514 • Website: http: //www. calepa. ca. gov n California IAQ resources Canada Mortgage and Housing Corporation (CMHC) n Phone: (613) 748 -2003 [International] • Website: http: //www. cmhc-schl. gc. ca/cmhc. html n Several documents on mold-related topics available Carpet and Rug Institute (CRI) n Phone: (800) 882 -8846 • Website: http: //www. carpet-rug. com n Carpet maintenance, restoration guidelines for water-damaged carpet, and other carpetrelated issues.

Resources and Links Centers for Disease Control and Prevention (CDC) n Phone: (800) 311 Resources and Links Centers for Disease Control and Prevention (CDC) n Phone: (800) 311 -3435 • Website: http: //www. cdc. gov n Information on health related topics including asthma, molds in the environment, and occupational health. CDC’s National Center for Environmental Health (NCEH) n Phone: (888) 232 -6798 • Website: http: //www. cdc. gov/nceh/asthma/factsheets/molds/default. htm n Questions and answers on Stachybotrys chartarum and other molds Certain. Teed Corporation n 750 E. Swedesford Road, Valley Forge PA 19482 PO Box 860 • (610) 341 -7000 or (800) 233 -8990 n Email: roofing. [email protected]/infonet. com • Website: http: //www. certainteed. com Chemical Specialties, Inc. n 200 East Woodlawn Road: Suite 350, Charlotte NC 28217 • (800) 421 -8661 n Email: [email protected] com • Website: http: //www. chemspec. com Chem. Rex – BASF Construction Chemicals – Building Systems n 889 Valley Park Drive, Shakopee MN 55379 • (800) 433 -9517 n Email: [email protected] com • Website: http: //www. buildingsystems. basf. com Clean Aire Inc. n 1006 Rabbit Run, Hopkins SC 29061 • (803) 776 -1117 n Email: [email protected] net Cleanco Cleaning Products n 3750 – 19 th Street NE, Calgary AB T 2 E-6 V 2 • (800)653 -8338 n Email: [email protected] com • Website: http: //www. cleanco. com

Resources and Links CRS – Cleaning and Restoration Supply n 1710 SE Brooklyn Street, Resources and Links CRS – Cleaning and Restoration Supply n 1710 SE Brooklyn Street, Portland OR 97202 • (800) 230 -2969 n Email: [email protected] com • Website: http: //www. cleaningandrestoration. com Coastal Claims Association n 1506 Azalea Drive: Suite 603, Myrtle Beach SC 29575 • (843) 238 -5181 n Back to top >> Dri-Eaz Products, Inc. n 15180 Josh Wilson Road, Burlington WA 98233 • (360) 757 -7776 n Email: [email protected] com • Website: http: //www. dri-eaz. com Duron Paints and Wall Coverings n 10406 Tucker Street, Beltsville MD 20705 • (800) 723 -8766 n Email: [email protected] com • Website: http: //www. duron. com Energy and Environmental Building Association n (952) 881 -1098 • Website: http: //www. eeba. org n Information on energy efficient and environmentally responsible buildings, humidity and moisture control, and vapor barriers Environmental n Health Canada, Health Protection Branch, Laboratory Centre for Disease Control, Office of Biosafety n Phone: (613) 957 -1779 • Website: http: //www. hcsc. gc. ca/main/lcdc/web/biosafety/msds/index. html

Resources and Links Environmental Microbiology Laboratory, Inc n Phone: (866) 888 -6653 • Website: Resources and Links Environmental Microbiology Laboratory, Inc n Phone: (866) 888 -6653 • Website: http: //www. emlab. com n Specialize in the analysis of air and surface samples for fungi, mold, bacteria, allergens, and asbestos. Em. Lab is the leading commercial indoor air quality testing laboratory in North America. Inline Distributing Company n 9380 San Fernando Road, Sun Valley CA 91352 • (800) 795 -0933 n Email: [email protected] com • Website: http: //www. inlineco. com Jon-Don, Inc. n 400 Medinah Road, Roselle IL 60172 • (800) 400 -9473 n Website: http: //www. Jon. Don. com Grohe America, Inc. n 241 Covington Drive, Bloomingdale IL 60108 n Email: [email protected] com • Website: http: //www. groheamerica. com Howe-Baker Engineers, Ltd. , CB&I Sonozaire Division n 3102 E. Fifth Street, Tyler TX 75701 • (903) 597 -0311 n Email: [email protected] com • Website: http: //www. sonozaire. com Humidity Control Systems, Inc. n PO Box 1767, Vancouver WA 98668 • (800) 642 -7910 Hurd Windows & Doors, Inc. n 575 South Whelen Avenue, Medford WI 54451 • (800) 223 -4873 n Email: [email protected] com • Website: http: //www. hurd. com Indoor Environmental Remediation Board (IERB) n Phone: (215) 387 -4097 • Website: http: //www. ierb. org n Information on best practices in building remediation

Resources and Links Institute of Inspection, Cleaning and Restoration Certification (IICRC) n Phone: (360) Resources and Links Institute of Inspection, Cleaning and Restoration Certification (IICRC) n Phone: (360) 693 -5675 • Website: http: //www. iicrc. org n Information on and standards for the inspection, cleaning, and restoration industry International Sanitary Supply Association (ISSA) n Phone: (800) 225 -4772 • Website: http: //www. issa. com n Education and training on cleaning and maintenance International Society of Cleaning Technicians (ISCT) n Phone: (800) WHY-ISCT or (800) 949 -4728 • Website: http: //www. isct. com n Information on cleaning, such as a stain removal guide for carpets. ICI Dulux Paints n 925 Euclid Avenue, Cleveland OH 44115 • (800) 984 -5444 n Website: http: //www. icipaintstores. com Juno Lighting Group n 1300 S. Wolf Road, Des Plaines IL 60018 • (847) 827 -9880 n Website: http: //junolightinggroup. com Kohler Company, Plumbing Division n (920) 457 -4441 • 444 Highland Drive, Kohler WI 53044 n Website: http: //www. kohler. com Lincoln Windows n 1400 West Taylor Street, Merrill WI 54452 • (715) 536 -2461 n Website: http: //www. lincolnwindows. com Ludowici Roof Tile n PO Box 860, Valley Forge PA 19482 • (800) 917 -8998 n Email: [email protected] com • Website: http: //www. ludowici. com

Resources and Links Material Safety Data Sheets (MSDSs) - Cornell University n Website: http: Resources and Links Material Safety Data Sheets (MSDSs) - Cornell University n Website: http: //msds. pdc. cornell. edu/msdssrch. asp n MSDSs contain information on chemicals or compounds including topics such as health effects, first aid and protective equipment for people who work with or handle these chemicals. Mid. Atlantic Environmental Hygiene Resource Center (MEHRC) n Phone: (215) 387 -4096 • Website: http: //www. mehrc. org n Indoor environmental quality training on topics such as mold remediation Moen Inc. n 25300 Al Moen Drive, North Olmsted OH 44070 • (800) 289 -6636 n Email: [email protected] com • Website: http: //www. moen. com Mold Report n Phone: (800) 224 -1527 • Website: http: //www. moldreport. com n Online store and other information about Mold Report Mohawk Manufacturing, Inc. n 2175 Beechgrove Place, Utica NY 13501 • (800) 765 -3110 n Email: [email protected] com • Website: http: //www. mohawkcanopy. com Benjamin Moore & Company n 51 Chestnut Ridge Road, Montvale NJ 07645 • (888) 236 -6667 n Email: [email protected] com • Website: http: //www. benjaminmoore. com Moisture Control Services, Munters - Ben Brackin n 16 Hunt Road, Amesbury MA 01913 • (800) 959 -7901 n Email: [email protected] com • Website: http: //www. muntersmcs. com

Resources and Links National Air Duct Cleaners Association (NADCA) n Phone: (202) 737 -2926 Resources and Links National Air Duct Cleaners Association (NADCA) n Phone: (202) 737 -2926 • Website: http: //www. nadca. com n Duct cleaning information National Antimicrobial Information Network (NAIN) n Phone: (800) 447 -6349 • Website: http: //nain. orst. edu n Regulatory information, safety information, and product information on antimicrobials National Association on the Remodeling Industry (NARI) n Phone: (847) 298 -9200 • Website: http: //www. nari. org n Consumer information on remodeling, including help finding a professional remodeling contractor National Institute of Building Sciences (NIBS) n Phone: (202) 298 -7800 • Website: http: //www. nibs. org n Information on building regulations, science, and technology National Institute of Environmental Health Sciences n Phone: (919) 541 -3345 • Website: http: //www. niehs. nih. gov n The mission of NIEHS is to reduce the burden of human illness and disability by understanding how the environment influences the development and progression of human disease. Reference for information on mold. National Institute for Occupational Safety and Health (NIOSH) n Phone: (800) 35 -NIOSH or (800) 356 -4674 • Website: http: //www. cdc. gov/niosh n Health and safety information with a workplace orientation National Institutes of Health n Phone: (608) 263 -6297 • Website: http: //www. nih. gov The Nation’s Medical Research Agency – information regarding environmental health issues, including IAQ.

Resources and Links National Pesticide Telecommunications Network (NPTN) n Phone: (800) 858 -7378 • Resources and Links National Pesticide Telecommunications Network (NPTN) n Phone: (800) 858 -7378 • Website: http: //ace. orst. edu/info/nptn n Information on pesticides and antimicrobial chemicals, including safety and disposal information Occupational Safety & Health Administration (OSHA) n Phone: (800) 321 -OSHA or (800) 321 -6742 • Website: http: //www. osha. gov n Information on worker safety, including topics such as respirator use and safety in the Phoenix Enviro. Corp n 4020 Shipyard Blvd, Willington NC 28403 • (910) 397 -0370 n Email: [email protected] com • Website: http: //www. phoenixenvirocorp. com Porcelanite, Inc. n PO Box 1777, Lexington NC 27292 • (910) 242 -5621 n Email: [email protected] com. mx • Website: http: //www. porcelanite. com Pro Spec, Bonsal American n 8201 Arrow Ridge Blvd. , Charlotte NC 28273 • (800) 334 -0784 n Email: link on website • Website: http: //www. prospec. com Restoration Consultants n 3463 Ramona Avenue, Sacramento CA 95826 • (916) 736 -1100 n Email: [email protected] com • Website: http: //www. restcon. com RIA Restoration Industry Association n 8229 Cloverleaf Drive Suite 460, Millersville MD 21108 • (410) 729 -9900 n Email: [email protected] org • Website: http: //www. ascr. or

Resources and Links Sheet Metal & Air Conditioning Contractors’ National Association (SMACNA) n Phone: Resources and Links Sheet Metal & Air Conditioning Contractors’ National Association (SMACNA) n Phone: (703) 803 -2980 • Website: http: //www. smacna. org Smithsonian Center for Materials Research and Education (SCMRE) n Phone: (301) 238 -3700 • Website: http: //www. si. edu/scmre n Guidelines for caring for and preserving furniture and wooden objects, paper based materials, and preservation studies. Buric RV Construction Consultants n 2512 Independence Blvd. #200, Wilmington NC 28403 • (910) 791 -3299 n Website: http: //www. buric. com Sherwin Williams Company n 101 Prospect Avenue, Cleveland OH 44115 • (216) 566 -2000 n Website: http: //www. sherwin-williams. com Simultaneous Solutions, Inc. n 3452 Lake Lynda Drive Suite 420, Orlando FL 32817 • (800) 447 -4676 n Email: [email protected] com • Website: http: //www. simsol. com Symons Corporation n 200 East Touhy Avenue, Des Plaines IL 60018 • (847) 298 -3200 n Email: [email protected] com • Website: http: //www. symons. com Sun-Belt USA n 4211 - C Atlantic Avenue, Raleigh NC 27604 • (800) 334 -8418 n Email: [email protected] com • Website: http: //www. sun-beltusa. com

Resources and Links Wilmington Claim Association n PO Box 645, Buford GA 30515 • Resources and Links Wilmington Claim Association n PO Box 645, Buford GA 30515 • (910) 350 -8208 Kevin Best n Email: [email protected] com • Website: http: //www. ncclaims. com 3 M Company n 3 M Center Building 225 -4 SW-25, St. Paul MN 55144 • (800) 364 -3577 n Email: [email protected] com • Website: http: //3 mindustrialtransportation. thomasnet. com University of Michigan Herbarium n Phone: (734) 764 -2407 • Website: http: //www. herb. lsa. umich. edu n Specimen-based information on fungi; information on fungal ecology University of Tulsa Indoor Air Program n Phone: (918) 631 -5246 • Website: http: //www. utulsa. edu/iaqprogram n Courses, classes, and continuing education on indoor air quality Unsmoke Restorx Systems, Microban n 1135 Braddok Avenue, Braddock PA 15104 • (800) 332 -6037 n Email: [email protected] com • Website: http: //www. unsmoke. com Vac Systems Industries n 5995 West 149 th Street Suite 102, Apple Valley MN 55124 • (952) 432 -3955 n Email: [email protected] com • Website: http: //www. vacsystem. com Vale National Training Center, Inc. n 5070 Ritter Road Suite 130, Mechanicsburg PA 17055 • (717) 790 -9950 n Website: http: //www. valenational. com Video-Aire International n 2569 Gravel Drive, Fort Worth TX 76118 • (888) 595 -4393 n Email: [email protected] com • Website: http: //www. videoaire. com

Resources and Links U. S. Environmental Protection Agency (EPA), Indoor Environments Division (IED) n Resources and Links U. S. Environmental Protection Agency (EPA), Indoor Environments Division (IED) n An Office Building Occupant’s Guide to IAQ http: //www. epa. gov/iaq/pubs/occupgd. html n Biological Contaminants http: //www. epa. gov/iaq/pubs/bio_1. html n Building Air Quality Action Plan (for Commercial Buildings) • http: //www. epa. gov/iaq/largebldgs/actionpl. html n Floods/Flooding http: //www. epa. gov/iaq/pubs/flood. html n Indoor Air Quality (IAQ) Home Page http: //www. epa. gov/iaq n IAQ in Large Buildings/ Commercial Buildings http: //www. epa. gov/iaq/largebldgs n IAQ in Schools http: //www. epa. gov/iaq/schools n Mold Remediation in Schools and Commercial Building http: //www. epa. gov/iaq/molds n Mold Resources http: //www. epa. gov/iaq/pubs/moldresources. html n For more subject-specific links, go to: http: //www. epa. gov/iaq/schools/links. html, or http: //www. epa. gov/iaq/asthma/links/index. html, or http: //www. epa. gov/iaq/moreinfo. html U. S. EPA IAQ Information Clearinghouse (IAQINFO) n Phone: (800) 438 -4318 or (703) 356 -4020 • Fax: (703) 356 -5386 • Email: [email protected] com n Indoor air-related documents, answers to Indoor Air Quality (IAQ) questions, maintains listing of state IAQ contacts, and regional EPA contacts