JOHN SIMKO: Engineering, construction standards can save Volusia, Flagler homes - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
September 8, 2019 Newswires
Share
Share
Post
Email

JOHN SIMKO: Engineering, construction standards can save Volusia, Flagler homes

News-Journal (Daytona Beach, FL)

Hurricane tracks for the last 100 years show that storms usually hit the south and west sides of Florida and then cross over to northeast Florida. This has saved the area from the worst effects of storms, so far.

Should a major hurricane make landfall, the coast of Volusia County would be ravaged by high winds and flooding. People would lose everything they have. The house that should protect them won't. Most homeowners are not given an option of a design to protect themselves and their lives.

The public should be made aware that the building code does not require the best or safest construction. It sets forth the minimum requirements only to minimize loss of life. If a building collapses totally in a hurricane, injuring people but not killing someone, it has met the code requirements. The code is not concerned with functionality after a storm, or with repair costs. Do homeowners realize that the present implementation and interpretation by designers, code officials and building inspectors of the building code provides even less than the "life safety" requirements of the code, giving no hope that they will have a house or anything left, should the design hurricane appear?

Houses are now built to various standards depending on the part of the county, the feelings of the building department or the politics in place. The design of private homes has been left to builders and other designers not trained in the principles of structural design. Strict plan checks are not performed to ensure the proper design was completed, and the inspectors often lack the skills required to properly interpret and enforce the code.

Professionals have a responsibility to "safeguard public health, safety and welfare." How can we continue to ignore the fact that hurricane force winds in our state have caused billions of dollars of damage? Damage that could have easily been avoided with proper design and knowledgeable inspections. Future hurricanes will not only continue to take this senseless toll but be devastating, unless we do something now about residential building requirements. Past action has only followed disasters, not been applied preventively, and it's not uniform or enforced.

Structural calculations and detail sheets for house designs are for the most part not submitted and, I believe, are generally ignored by building officials and left to the contractor. This means designers do not need to calculate loadings and the building inspectors do not need to know how these structures are going to be connected. City and county governments should assume legal liability for allowing these designs to be permitted. Crucial structural decisions are left to untrained personnel.

The following should be done:

•Require a professional structural engineer to seal the plans. This will help ensure that structures are anchored to the foundations and properly designed to transfer the wind loading forces to prevent uplift, sliding and shear failures.

•Require all structures within 140 mph wind zones to be designed by qualified, registered engineers. This is in line with the FEMA requirements now in existence but not enforced.

•Require submittal of calculations for all members and include proper load path transfers and connection details.

•Show flood plains and the required first-floor elevations so that structures are located above flood levels.

•Require building officials to show competency in design and loading requirements for the review of drawings and structural calculations. Devise an ongoing educational plan to bring current building inspectors up to current standards. Place a premium on experience, education and competency.

There would be some increase in engineering and construction costs. But this would be balanced against lower insurance rates, safety, and durability and reduced maintenance and repair costs.

It is time our officials stopped evading their responsibility to the public of this state to ensure that homes do not suffer major damage or that residents lose everything every time there is a hurricane or high winds.

If a hurricane of Category 3 or above comes ashore along our coast, damage again will be monumental. Now you know why.

Simko, of Ormond Beach, is a principal with MS Structural Engineers in Ormond Beach. Frodham is also a structural engineer.

___

(c)2019 The News-Journal, Daytona Beach, Fla.

Visit The News-Journal, Daytona Beach, Fla. at www.news-journalonline.com

Distributed by Tribune Content Agency, LLC.

Older

Gallery: Top news photographs from the past week

Newer

North American Headlines at 6:50 a.m. EDT

Advisor News

  • The modern advisor: Merging income, insurance, and investments
  • Financial shocks, caregiving gaps and inflation pressures persist
  • Americans unprepared for increased longevity
  • More investors will seek comprehensive financial planning
  • Midlife planning for women: why it matters and how advisors should adapt
More Advisor News

Annuity News

  • LIMRA: Annuity sales notch 10th consecutive $100B+ quarter
  • AIG to sell remaining shares in Corebridge Financial
  • Corebridge Financial, Equitable Holdings post Q1 earnings as merger looms
  • AM Best Assigns Credit Ratings to Calix Re Limited
  • Transamerica introduces new RILA with optional income features
More Annuity News

Health/Employee Benefits News

  • SENATE APPROVES BILL TO LIMIT PREMIUM INCREASES, PROTECT ACCESS TO HEALTHCARE
  • All about AHCCCS: Navigating Arizona Medicaid’s changing landscape
  • GOVERNOR SIGNS BIOMARKER TESTING COVERAGE BILL
  • REGULATION OF AI IN PRIOR AUTHORIZATION AND CLAIMS REVIEW: A LOOK AT FEDERAL AND STATE CONSUMER PROTECTIONS
  • LEADING HEALTH ORGANIZATIONS URGE NC LAWMAKERS TO RECONSIDER PROPOSAL IMPLEMENTING MEDICAID CUTS
More Health/Employee Benefits News

Life Insurance News

  • AM Best Assigns Credit Ratings to Tokio Marine Newa Insurance Co., Ltd.
  • Earnings roundup: Prudential works to save ‘unique’ Japanese market
  • How life insurance became a living-benefits strategy
  • Financial Focus : Keep your beneficiary choices up to date
  • Equitable-Corebridge merger casts shadow over life insurance earnings
More Life Insurance News

- Presented By -

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Why Blend in When You Can Make a Splash?
Pacific Life’s registered index-linked annuity offers what many love about RILAs—plus more!

Life moves fast. Your BGA should, too.
Stay ahead with Modern Life's AI-powered tech and expert support.

Bring a Real FIA Case. Leave Ready to Close.
A practical working session for agents who want a clearer, repeatable sales process.

Discipline Over Headline Rates
Discover a disciplined strategy built for consistency, transparency, and long-term value.

Inside the Evolution of Index-Linked Investing
Hear from top issuers and allocators driving growth in index-linked solutions.

Press Releases

  • Sequent Planning Recognized on USA TODAY’s Best Financial Advisory Firms 2026 List
  • Highland Capital Brokerage Acquires Premier Financial, Inc.
  • ePIC Services Company Joins wealth.com on Featured Panel at PEAK Brokerage Services’ SPARK! Event, Signaling a Shift in How Advisors Deliver Estate and Legacy Planning
  • Hexure Offers Real-Time Case Status Visibility and Enhanced Post-Issue Servicing in FireLight Through Expanded DTCC Partnership
  • RFP #T01325
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet