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The The “Building Codes 101: Introduction to Building Codes” course teaches
insurance professionals about the basics of building codes. Building codes
frequently play an important role in property loss adjustments and for personal
injury causes of action. In this course, PLRB’s Building Code Department staff
provide lessons on how building codes function, how they are developed, and how
to research code-related questions. The course is broken down into six sections:
the Introduction, Model Codes, State vs. Local Jurisdiction, Adoption,
Pinpointing Content, and PLRB’s Code Database. Collectively, the course provides
the audience with a practical understanding of how building codes are implemented
across the country with an emphasis on common code provisions and topics that
insurance professionals are likely to encounter.

This course is the
recommended prerequisite to all subsequent Building Code modules including PLRB’s
Buildings Codes 201 and 301.

After completing this course, the student
will be able to explain the relevance of codes to property and liability claims;
describe and apply code upgrade coverage; explain how codes can create counts in
a personal injury complaint; identify situations where codes can create defenses
to liability; identify the major model code organizations; explain the benefits
of model codes vs. proprietary codes; describe how the model code development
works; describe the interplay between states and local building codes; list the
different ways that states and other local jurisdictions adopt codes; locate
building code adoption language in city and state administrative codes; search
and locate specific provisions in building codes; utilize public access online
code sources for research purposes; describe the significance of local amendments
to model code regulations; and locate relevant codes using web resources
including the ICC website and PLRB’s building code database. The course is
designed for insurance professionals working in the area of property and casualty
adjusting.

What CE Credit is available?

Note: To qualify for credit, you must submit completion (including a passed final exam if required) within five days of completing the last quiz. No partial credits will be awarded.

State:
Adjuster General
CE Hours:
Adjuster Ethics
CE Hours:
Attorney General
CLE Hours:
State's Course ID:
NH 2.0 482156
TX (classroom equivalent) 1.0 109406
NC 2.0 207319
FL * ( Provider Number: 364169 ) 1.0 Optional 1198945
IL 2.0 552480
WY 2.0 28116
OK 2.0 General 1028735

* This course has been approved by the Florida Department of Financial Services for insurance continuing education credit.

Course Content

Lesson Content

Section I: Introduction to Codes for Insurance Professionals

  1. Course Overview
  2. Property Claims and Codes
    1. Reroofing Example
    2. Bent Meter Mast Example
    3. Repair Scope Example
    4. Advantages of Understanding Building Codes
  3. Code Upgrade Coverage
    1. Loss Settlement at Like Kind and Quality
    2. Shingle Example and Higginbotham Case
    3. Takeaway for Like Kind and Quality
    4. Roll Roofing Example
    5. Ordinance or Law Exclusion, Additional Coverage, and Endorsements
    6. Main Concepts of Code Upgrade Coverage
  4. Casualty Premises Liability and Codes
    1. Examples of Allegations
    2. Allegation Types
    3. Proof of Negligence
    4. Compliance as a Defense
  5. Recap
Lesson Content

Section II: Model Codes

  1. Introduction
  2. Model Code History
    1. Early Building Codes in the U.S.
    2. ICC inception
    3. NFPA and IAPMO descriptions
  3. Purpose and Benefits
  4. ICC Code Development Process
    1. Key mechanisms
    2. 8-step cycle
      1. Code Changes Submitted
      2. Proposed Code Changes Posted
      3. Code Development Hearing
      4. Public Hearing Results Posted
      5. Public Comments Sought
      6. Public Comments Posted
      7. Final Action Hearing
      8. New Edition is Published
  5. Rule Changes 2000-2012
    1. Ice Barriers and Dams
    2. 2000 Objective Standard
    3. 2006 to 2012 Subjective Standard
  6. Rule Changes 2015
    1. Code Change Proposal
    2. Reasoning Behind Change
  7. Recap
Lesson Content

Section III: Code Adoption

  1. Section Intro
  2. Drip Edge Examples
    1. Drip Edge Defined
    2. Illustrations Regarding Installation
    3. Missing Drip Edge Flashing Issues
    4. Carpenter’s Gap Example with Drip Edge
    5. Carpenter’s Gap Example with No Drip Edge
    6. Summary Regarding Viability of Options
  3. Building Code Editions
    1. Three-Year Publication Cycle
    2. Differences in Requirements in Editions
    3. New Drip Edge Requirement in 2012, 2015 IRC
  4. Example Claim in a Municipality
    1. Facts
    2. Latest Code Edition Misconception
    3. Researching Local Laws
    4. Reviewing Adopted Amendments
  5. Adoption of Codes Key Factors
    1. Formal Process
    2. Sample Legislative Language in the Model Codes
  6. Authority to Adopt Codes
  7. Homeowners Association Rules as Code
    1. Facts
    2. Holding
  8. Conclusion
  9. Recap
Lesson Content

Section IV: State vs. Local Jurisdiction

  1. Section Intro
  2. Reason for Multiple Codes
    1. Police Power of the State
    2. Provisions Vary State-by-State
    3. Some States Delegate to Local Municipalities
  3. Importance of Jurisdiction
  4. Identifying different codes
    1. Four categories of code adoption
    2. State Code Adoption Maps
    3. State Code – Mandatory
    4. State Code – Local Can Be More Strict
    5. Model State Code – Not Mandatory
    6. No State Code – Local Laws Apply
  5. Determining which code prevails
    1. Statewide Mandatory Code Prevails
      1. Look for Applicable Provisions
      2. Example: Montana (06:40 – 7:28)
    2. State code Allows Local Amendments
      1. Consider State and Local Codes
      2. Example 1: Cleveland, Ohio
      3. Example 2: Scott County, Indiana
    3. Model Code or No State Code
      1. Look Up Local Code
      2. Example: North Plato, Kane County, Illinois
  6. Conclusion
  7. Recap
Lesson Content

Section V: Pinpointing Content

  1. Introduction
  2. Liability Example
    1. House photo
    2. Potential issues
    3. Identifying the Code
    4. Accessing the codes online
      1. ICC Public Access Limitations
      2. Public Access Available
      3. How to Access Codes
    5. Browsing the Code
      1. Table of Contents and Index
      2. Effective Use
      3. Location via Search Engine
    6. Code Provisions – Handrails & Guards
      1. Sec. R311.5.6 & Sec. R312.1
      2. Code Specifics
      3. Check Local Amendments
  3. Property Example
    1. Property photo in Saline, MI.
    2. Tyvek HomeWrap
    3. Adjuster’s Perspective
    4. ICC Public Access
    5. Chapter Descriptions
    6. Industry Terminology
    7. ESR-2375
    8. Water-Resistive Barrier
    9. Michigan Amendments
  4. Recap
Lesson Content

Section VI: PLRB Code Database

  1. Section Intro
  2. Building Codes Webpage Overview
  3. Search Engines
    1. PLRB Search Powered by Google
    2. Building Code Locator
  4. Research Tools Icons
    1. Research Tools Icons
    2. Maps: Geographical Building Code Maps and Searching
      1. GIS Map of Codes
      2. Residential and Commercial Codes by State
    3. Alphabetical Building Code Listings by Jurisdiction
    4. Links to Outside Resources
    5. Building Code Courses and Learning Aids
    6. Frequently Asked Building Code Questions
    7. Building Component: Graphical Index of Residential Building Codes
    8. Word Search
    9. Ask PLRB
      1. Online form to request personalized research
      2. Example Submission 1: Mirror Clips in Sioux City, Iowa (Commercial)
      3. Example submission 2: Drip Edge in St. Louis, Missouri (Residential)
  5. Closing
  6. Recap