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TITLE 28INSURANCE
PART 1TEXAS DEPARTMENT OF INSURANCE
CHAPTER 5PROPERTY AND CASUALTY INSURANCE
SUBCHAPTER ETEXAS WINDSTORM INSURANCE ASSOCIATION
DIVISION 1PLAN OF OPERATION
RULE §5.4007Applicable Building Code Standards in Designated Catastrophe Areas for Structures Constructed, Repaired or to Which Additions Are Made Prior to September 1, 1998

        (I) Wood roof decks to which prepared shingles are applied shall be solidly sheathed. Sheathing shall be well seasoned and dry. Sheathing boards shall be at least one inch nominal dimension boards not over six inches wide. Plywood sheathing shall be at least 5/8 of an inch thick.

        (II) Attic spaces shall be vented with vent openings so placed as to circulate air in all parts of the attic.

        (III) Nails shall be of sufficient length to extend through the roof deck (sheathing).

        (IV) Thick-butt asphalt shingles shall be nailed in the thick portion of the shingle.

        (V) All butts or tabs of asphalt shingles shall be securely spotted or tabbed with a plastic, fibrous, asphalt cement or anchored by clips or locks, and all edges at eaves and gable shall be set in such cement three inches back from the edge.

        (VI) Metal drip edges shall be nailed to the roof deck with nails not less than ten inches on centers.

      (iii) Built-up roof coverings.

        (I) For built-up roof coverings cant strips shall be provided at the angle of roof and vertical surfaces.

        (II) Built-up roof coverings shall be carried at least six inches above the cant strip to a reglet in the parapet and covered with metal flashing caulked into the reglet. Reglet may be omitted at parapet walls provided two layers of felt or the equivalent are carried across the top of the parapet under coping and down the parapet to the lower edge of the cant strip. The said layers are to run vertically, properly lapped and cemented to the parapet.

        (III) All resinous places in the wood roof deck shall be covered with sheathing paper or unsaturated felt.

        (IV) The first layer or anchor sheet shall be not less than 30-pound felt nailed six inches on center along with a two-inch lap and nailed 12 inches on center both ways in the area between laps with tin caps and one-inch nails; or shall be not less than two layers of 15-pound felt lapped 18 inches and nailed through both sheets on six-inch centers along the lap and on 12-inch centers in the area between laps with tin caps and one-inch nails; or where the underside of the roof sheathing is to be exposed and its appearance considered, the first layer shall be not less than a 30-pound felt or two layers of 15-pound felt nailed six inches on centers along the rafters with tin caps and 1-1/4 inch nails, and nailed 12 inches on centers both ways, between rafters, with tin caps and 3/4 inch nails.

        (V) Each additional sheet above the anchor sheet shall be thoroughly mopped between layers with a bituminous compound so that no layers touch an unmopped layer. Bituminous compound for mopping plys together shall be air refined asphalt or coal tar pitch but shall not be any type of emulsion, cold or cut back liquid cement, oil, or grease.

        (VI) Gravel stop and drip strips, and eave and gable drips shall be not less than Number 26 gauge galvanized metal, 16 ounce copper or 0.024 inch aluminum, with not less than three-inch flange on roof and nailed with not less than 3/4 inch nails spaced not more than six inches apart.

      (iv) Roll roofing.

        (I) Roll roofing shall be applied only over a smooth surface. Roll roofing shall not be applied over shingle roofs.

        (II) Roll roofing applied in a shingle layer shall be spot mopped and applied by concealed nail method with a minimum three inch head lap and a minimum six inch end lap properly cemented. Nail spacing shall be not less than four inches on centers.

        (III) Nails that secure roll roofing to the roof deck shall be driven at least 3/4 of an inch from the edge of the sheet.

      (v) Tile roofing.

        (I) Tile roofing shall be laid over not less than one layer of 30-pound asphalt felt securely fastened by nailing with tin caps.

        (II) All tile shall be thoroughly watered with a hose before application.

        (III) Every tile shall be laid full length in portland cement mortar and in addition the first three horizontal courses shall be nailed. Under certain conditions additional nailing may be required to prevent the tile from slipping. Mortar shall be not less than one part cement and three parts sand and not more than 25% lime by volume.

        (IV) All nails for flashing and tiles shall be copper.

      (vi) Corrugated metal roofing, protected metal roofing, corrugated and flat sheet asbestos cement roofing.

        (I) When roofings of the previously mentioned types are applied to wood roof decks, they shall be secured with drive screws of sufficient length to extend through the roof deck. When applied directly to purlins and other roof members they shall be secured with bolted strap fasteners. Properly designed clip fasteners that are approved may be used in accordance with the conditions of such approval. Drive screws at least four inches in length may be used to secure these roofings directly to wood purlins.

        (II) Aluminum roofing when fastened to steel roof structures shall be insulated against electrogalvanic action.

      (vii) Insulated steel deck roofing. Insulated steel deck shall be secured by spot welding of clips or spot welding the sheets to the steel purlins, or by equivalent means.

    (D) Construction walls. During erection masonry walls shall not be built higher than ten times their thickness unless adequately braced or until provision is made for the prompt installation of permanent bracing at the floor or roof level immediately above the story under construction.

(b) Areas Inland of the Intracoastal Canal. To be eligible for catastrophe insurance, properties located inland of the Intracoastal Canal on the Texas coastline (or inland of the boundary authorized to be established by the Commissioner by the Insurance Code, Article 21.49 as amended) shall be subject to the building specifications and standards in the Standard Building Code, as amended May 8, 1973, and the Windstorm Resistant Construction Guide. The Department adopts by reference the Windstorm Resistant Construction Guide, and any applicable amendments adopted by reference to be effective April 1, 2001, which has been developed by the Department to interpret and simplify the specifications and standards in the Standard Building Code, as amended May 8, 1973.

(c) Limitations on applicability of building codes. Notwithstanding any other provisions in this plan of operation, the building code set forth in this section shall be applicable only in:

  (1) the counties of Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy;

  (2) the area located east of the boundary line of State Highway 146 and inside the city limits of the City of Seabrook (Harris County) and the area located east of the boundary line of State Highway 146 and inside the city limits of the City of La Porte (Harris County);

  (3) the City of Morgan's Point (Harris County); and

  (4) the area located east of the boundary line of State Highway 146 and inside the city limits of the City of Shoreacres (Harris County), and the area located east of the boundary line of State Highway 146 and inside the city limits of the City of Pasadena (Harris County).

(d) Insurable property for windstorm and hail insurance.

  (1) For structures before January 1, 1988, in all designated catastrophe areas. A structure constructed, repaired, or to which additions were made before January 1, 1988, that is located in an area covered at the time by a building code recognized by the association shall be considered an insurable property for windstorm and hail insurance from the association without compliance with the inspection or approval requirements of Insurance Code, Article 21.49, §6A(a) or the plan of operation. A structure constructed, repaired, or to which additions were made before January 1, 1988, that is located in an area not covered by a building code recognized by the association shall be considered an insurable property for windstorm and hail insurance from the association without compliance with the inspection or approval requirements of Insurance Code, Article 21.49, §6A(a) or the plan of operation if that structure has been previously insured by a licensed insurance company authorized to do business in this state and the risk is in essentially the same condition as when previously insured, except for normal wear and tear, and without any structural change other than a change made according to code. Evidence of previous insurance includes a copy of a previous policy, copies of canceled checks or agent's records that show payments for previous policies, and a copy of the title to the structure or mortgage company records that show previous policies.

Cont'd...

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