Remember, your community’s standards for assigning damage ratings should be in accordance with FEMA’s 4-point system. That methodology for assigning damage levels is divided into four categories: affected, minor damage, major damage, and destroyed.
The affected category includes dwellings with minimal damage to structure and/or contents, when the home is habitable without repairs.
This category also includes homes that are inaccessible. Once accessible, the homes can be evaluated for a more accurate determination of the level of damage.
Minor damage encompasses a wide range of damage and is generally the most common type of damage. Minor damage exists when the home is damaged and uninhabitable, but may be habitable in a short period of time with home repairs.
To determine whether the rating of “minor damage” applies, consider whether the damages are less than the maximum Housing Assistance Repair Grant, windows or doors have been blown in, or if a backup of one foot or more of water or sewer in the basement exists, such as from furnace or water heater damage.
Also consider how much of the structure has been damaged. If it is less than 50%, it is classified as minor damage.
Major damage exists when structural or significant damages have been sustained, the structure is uninhabitable, and it requires extensive repairs.
To determine whether the rating of “major damage” applies, consider whether there is substantial failure of structural elements of the residence, such as the walls, roof, floors, or foundation.
Also consider whether the damages to the structure exceed the Home Repair Grant maximum. One foot or more of water in the first floor of a home with a basement also constitutes major damage.
If more than 50% of the structure has been damaged (but the structure is not a total loss), this is classified as major damage.
Destroyed means the structure is a total loss or damaged to such an extent that repairs are not economically feasible, and/or the structure is permanently uninhabitable.
Damages that cause complete failure of major structural components, such as collapse of the basement walls, foundation, or roof, are classified as destroyed.
Likewise, if only the foundation remains, or if the structure has been pushed off the foundation, this is considered destroyed.
When two or more walls and have been destroyed the roof has been substantially damaged, this is also classified as destroyed.
Finally, this rating may be used even if the structure is otherwise unaffected but will require removal or demolition. Examples include homes in imminent danger due to impending landslides, mudslides, or sinkholes, as well as beachfront homes that must be removed due to local ordinance violations as a result of beach erosion.