Char-depth assessment
Fire's effect on wood is measurable:
- Char depth <1/8" = typically retains strength
- Char depth 1/8-1/4" = assessment needed
- Char depth >1/4" = structural concern
- Char with visible combustion products = replace
Structural engineer assessment
Required when:
- Any primary structural member (beam, column, roof truss) is fire-affected
- Load-bearing wall framing is charred
- Fire-damage extent unclear from visual alone
- Building code permits require engineer sign-off
Code-compliance triggers
- Current Florida Building Code requirements may exceed original
- Truss tie-downs and connections upgraded
- Fire-rated assemblies (multi-family, commercial)
- Seismic and wind load updates
Common carrier arguments
- "Surface char only: clean and seal"
- "No engineer report: no structural work"
- "Code upgrades not required"
- "Cosmetic finish restoration is enough"
Policyholder documentation
- Engineer report on structural condition
- Char-depth measurements (documented)
- Code citation for repair requirements
- Photo documentation of extent
- Contractor scope aligned with engineering findings