• CMG MORTGAGE, INC. NMLS #1820

Fire-Resistant Construction Could be Coming Soon

  • March 20, 2019

CMG Image

Approximately 14,000 homes were destroyed in two of California’s worst wildfires in 2018, equating to $19 billion in damage to residential and commercial real estate.  After a year of dangerous wildfires, home builders are experimenting with more fire-resistant construction techniques.  While a fully fireproof home might not be possible at this time, investing in more fire-resistant construction could prevent future damage. 

Droughts caused by climate change have increased the risk of wildfire all over the country, especially in states like California, Colorado, Texas, Florida, Tennessee, and South Carolina.  The Insurance Institute for Business and Home Safety (IBHS) is leading the way with the development of two test homes, built to better resist fire damage.  CEO Roy Wright, a former FEMA official and native Californian, said of the mission of the project, “there are steps that we can take so that the impact of that fire is narrowed, it doesn’t spread as far, and it impacts far fewer structures. 

Though one might expect the primary cause of fire damage may be actual flames, 90% of fire damage is caused by flying embers.  IBHS research engineer, Daniel Gorham explained, “fire resistance means you’ve incorporated building materials and design features that will get the ember exposure, will get the fire exposure, but would resist it.” 

On the fire-resistant prototype, the siding is a fiber cement composite instead of wood shingles or planks.  Landscaping also plays a crucial role in fire resistance.  The prototype home has rocks instead of mulch and plantings that are at least five feet away from the siding and sitting six inches off the ground.  The noncombustible landscaping and strategic spacing reduces the risk of embers catching ornamental vegetation and later the home.  Additionally, the prototype home uses metal gutters instead of vinyl gutters to reduce the risk.  Dual-paned, tempered glass windows are harder to break and make it harder for the fire to penetrate the home.  When subjected to equal amounts of embers, a regular home was engulfed in flames while the prototype home was fine. 

As climate change continues to fuel stronger and more devastating natural disasters, the way builders construct homes and other buildings will have to evolve to protect property and more importantly save lives.

 

Sources: CNBC

Carlos Aguilar
Loan Officer
NMLS # 791382
Branch NMLS # 1211319

Carlos Aguilar

PHONE: (949) 864-8131
carlosa@cmgfi.com

APPLY NOW MY VIDEO
CMG Image
© CMG Financial, All Rights Reserved. CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal opportunity lender with corporate office located at 3160 Crow Canyon Road, Suite 400, San Ramon, CA 94583 888-264-4663. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150025; AK #AK1820; AZ #0903132; Colorado regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee #15438; Illinois Residential Mortgage Licensee; Kansas Licensed Mortgage Company #MC.0001160; Massachusetts Mortgage Lender License #MC1820 and Mortgage Broker License #MC1820; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the New Hampshire Banking Department; Licensed by the NJ Department of Banking and Insurance; Licensed Mortgage Banker – NYS Department of Financial Services; Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850204.000; Licensed by the Oregon Division of Financial Regulation #ML-3000; Rhode Island Licensed Lender #20142986LL; and Licensed by the Virginia State Corporation Commission #MC-5521. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. Offer of credit is subject to credit approval. For information about our company, please visit us at www.cmgfi.com. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing and NMLS Consumer Access (www.nmlsconsumeraccess.org).