Remodeling

America’s housing landscape is aging, with the average home over 40 years old; in the Northeast, this average approaches 60 years, and even the youngest stock is in its 30s. Alarmingly, about 45% of U.S. homes are at severe risk of extreme weather events due to climate change, representing over $22 trillion in residential real estate vulnerable to flooding, wind damage, wildfires, heat, or hazardous air quality. For the insurance industry this is a lethal blow if not address both timely and effectively.

Addressing the challenge of “hardening” these aging structures, the Paulele Hale Association (TPHA) has developed cutting-edge materials and systems designed to enhance resilience affordably and with minimal disruption. One of our key innovations is exterior fire-resistant coatings that provide a Class A-30-minute barrier for remodeling. When used in conjunction with other practical components, these coatings significantly improve a home’s survival prospects and insurability against wildfires.

Additionally, TPHA has innovated the application of anchoring systems that enhance wind resilience in walls and attic spaces. Given the unique nature of each home, which may have undergone numerous modifications over the years, standard solutions are often inadequate.

To tailor solutions to individual homes, TPHA created Future Proof, an advanced tool equipped with vision capabilities to “see” a home’s specific needs. Future Proof analyzes over 270 billion data points, including specific materials used, lot size, climate risk data, and construction methods. Its AI determines possible remediation steps, prioritized by risk level, and generates a free risk report and if subscribed a detailed work order for materials and labor required for the upgrades.

Upon completion, Future Proof verifies these improvements and can issue a certificate of resilience. This certification can provide homeowners access to reduced insurance rates and public grants designated for enhancing climate resilience, making it an invaluable tool for safeguarding America’s aging homes against the increasing threats posed by climate change.