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Executive summary text with wind-damaged houses

High Wind Design of New Woodframe Houses has an Average Benefit-Cost Ratio of 6:1 in Canada: Executive Summary

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Type of Publication:

General

Document Date:

2024-07-26

Severe windstorms are growing in frequency and magnitude of loss. Major damaging tornadoes struck Ottawa/Gatineau in September 2018 and in Barrie in July 2021, resulting in $344 million and $107 million in insured loss respectively. The May 2022 Canadian derecho in southern Ontario and Quebec cost an estimated $875 million in insured losses. Out of 139 recorded insurance catastrophe events between 2009 and 2022, 111 (80%) had a wind loss component. Damage to non-structural components – including roof cover and cladding – is one of the most frequent drivers of loss during wind events. Even relatively moderate wind events can result in damage to, or loss of roof coverings. Very severe structural damages may occur during high intensity wind events associated with hurricanes and tornadoes. Severe windstorms can damage buildings by imposing severe lateral loads and uplift forces. Buildings are more likely to experience damage from uplift forces (e.g., removal of roof cover, sheathing, and framing) because modern Canadian building codes do not fully address uplift resistance for smaller, low-rise, woodframe buildings.