Code Upgrade Coverage and the ADA

1) Introduction
2) Importance of ADA for Property Claims
3) Resources
a) ADA Websites
b) Fair Housing Act Website
c) IBC Websites
4) ADA as Part of a Municipal Building Code
5) Commercial Coverage Basics
a) Standard Policy Code Upgrade Exclusions
b) Standard Policy Code Upgrade Additional Coverage
c) Standard Policy Upgrade Endorsement
d) Manuscript Policy
e) Coverage issues
i) increased cost to repair damaged areas
ii) costs to upgrade undamaged areas
6) Construction Laws
a) building codes
b) ADA
c) Fair Housing Act
7) ADA Statutes
a) Civil Rights Statute
b) Not a building code
c) Both ADA and Building Code can impose requirements
8) ADA Design Requirement Targets
a) wheelchair
b) deaf
c) other mobility
d) 16.8% of population
9) ADA Design Trigger
a) New Construction
b) Alterations
i) altered area
ii) if primary function area, then path of travel
10) Cost Limits
a) no limit on altered areas
b) exception: technical infeasibility such as load bearing changes
c) up to 20% of alteration cost on path of travel upgrades
11) Recap
12) Quiz – Reinforcing Part 1 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Buildings Covered by ADA
a) Commercial
i) operations affecting commerce
ii) most any building
iii) examples
b) State and Local Government
i) operated by for or behalf
ii) examples
2) Buildings Not Covered
a) Religious
i) owned or controlled by religious entities
ii) examples
b) Residential
i) examples
ii) exceptions
3) Fair Housing Act
a) design requirements for accessibility
b) scope
c) age of building and applicability
d) impact of renovation versus new construction
4) ADA New Construction
a) ADAAG effective date
b) new law
c) broadened scope
5) ADAAG Exterior Requirements
a) parking
b) routes
c) entrances
6) Parking
a) number of spaces
b) surface
c) aisles
d) signage
7) Route
a) route defined
b) width
c) slope
d) gaps
e) protruding objects
8) Ramp
a) bumps
b) maximum slope
c) maximum run
d) landings
e) rails
f) edge protection
9) Entrances
a) minimum number
b) location
c) signage
10) Recap
11) Quiz – Reinforcing Part 2 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) ADA Interior Areas
a) Routes
i) width
ii) level
iii) protrusions
b) Doors
i) width
ii) handles
iii) force
c) Toilet Rooms
i) acceptable stalls
ii) alternative stalls
iii) dimensions
d) Specialized Rooms and Spaces
i) assembly areas
ii) dining facilities
iii) hotels and motels
iv) medical facilities
v) courthouses, playgrounds
e) Elevators
i) requirement based on number of stories and size
ii) exceptions to “no elevator” rule
f) State Accessibility Rules
2) Alterations
a) Intro
b) definition
i) renovation
ii) remodeling
iii) rehab
c) Non-alterations
i) normal maintenance
ii) reroofing
iii) painting
iv) asbestos removal
v) mechanical, electrical, plumbing
d) No Trigger Dependence
i) value of project
ii) percentage of building
e) Primary Function Areas
i) examples
ii) examples of things that are not
3) Recap
4) Quiz – Reinforcing Part 3 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Q&A
a) Office Building and Primary Function Area
i) offices
ii) shops
iii) leasing center in lobby
iv) not entrances
v) not the lobby
b) Relevance of Building Age
i) ADA alterations – age irrelevant
ii) Fair Housing Act – post March 13, 1991
iii) Example Building
c) Federally Assisted Housing
d) Employee Lounge Example
i) ADA applies to lounge
ii) ADA path of travel not triggered
2) Priorities in Path of Travel Budget
3) Building Code v. ADA
a) ADA
i) Federal Civil Rights Law
ii) Not a Building Code
iii) Enforcement
b) International Building Code
i) model code
ii) International Code Counsel
iii) voluntarily adopted by states and local jurisdictions
4) IBC inclusion of ADA
a) Chapter 11 – Accessibility
b) Chapter 34 – Existing Buildings
5) Differences
a) waivers or variances
b) adoption
c) triggers for compliance
d) lost opportunities
6) Recap
7) Quiz – Reinforcing Part 4 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Q&A Percentage of Accessible Units
a) Fair Housing Rules
i) March 13, 1991
ii) multi-family = 4 or more units
iii) ground floor if no elevator
iv) 100% if elevator
b) IBC Rules
i) three specifications for dwelling units
ii) Type B = Fair Housing Standards
iii) Type A = tougher than Type B
iv) Accessible
v) Type A and B are Adaptable
vi) IBC requires 2% Type A units
c) ADA does not apply to residential
2) Parking Space Example
3) Curb Cut Ramp Examples
4) Cross Sloping Sidewalk
5) Ramps
a) handrail height
b) grade
c) cross slope
d) edge protection
e) landing
f) direction change landing
g) length
h) crossbars
6) Protruding Object Examples
a) open stairs
b) television
c) fixes
7) Toilet Stalls
a) grab bar location
b) grab bar spacing
c) alternate stall
8) Ramp Examples
9) Recap
10) Quiz – Reinforcing Part 5 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Case Study 1 – Boat Dock
a) Facts
i) boat dock and shop
ii) total loss
b) Code Issues
i) accessible restroom
ii) path of travel down steep slope
iii) connection to floating dock
c) Solutions
i) unisex restroom with holding tank
ii) ramp
iii) code exception for boat ramp
iv) lip
2) Case Study 2 – Dormitory Fire Facts
a) Facts
i) high school dormitory
(1) housing floors 2 and 3
(2) class rooms, auditorium on floor 1,
(3) basement with mechanical and storage
(4) storage (old housing) on floor 4
ii) lightning, fire, smoke, and water damage
iii) pre-loss value $2 million
b) Repairs and Remodeling
i) $350,000 in repairs
ii) $2.5 million total spent in remodeling and upgrades
c) Policy Language
i) Increased cost coverage for damaged property
ii) Increased cost coverage for damaged property
3) Case Study 2 Analysis
a) Does ADA apply to private schools?
b) Does ADA apply to dormitories?
i) effect of auditorium components
ii) is it transient housing like a hotel or residential?
iii) ADAAG expressly mentions “Dormitories”
c) How much does insurer owe beyond $350,000 repair
i) path of travel obligations (20%)
ii) what percentage of $350k went to primary function areas
(1) impact of fourth floor repairs
(a) storage is not a primary function
(b) sleeping rooms are primary functions
(2) impact of roof repairs
(a) re-roofing not an alteration
(b) no impact on path of travel obligation
(3) Other spaces
(a) dormitory/sleeping/living
(b) classroom/auditorium
(c) repaired damaged areas must be ADA complaint
(d) total values go toward 20% calculation
d) What if only fourth floor and roof were damaged?
e) PA Building Code Impact
i) 30% of value threshold – triggers accessible path requirements
ii) 50% of value threshold – triggers 100% building compliance
iii) calculations
4) Recap
5) Quiz – Reinforcing Part 6 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz