Understanding FM VSH

FM has implemented a new impact-resistance classification

Commercial and industrial insurer FM Global and its code-approved testing agency subsidiary, FM Approvals, have implemented a Very Severe Hail (VSH) impact-resistance classification that could affect some of the work you do.

FM Global guidelines

FM Global traditionally has recommended its insured building owners use moderate hail- (MH-) and severe hail- (SH-) classified roof systems for buildings located in areas FM Global considers to be susceptible to moderate or severe hail impacts. FM Loss Prevention Data Sheet 1-34 (FM 1-34), "Hail Damage," provides a map identifying these regions.

In recent years, the U.S. insurance industry has experienced increases in losses from hail in terms of the number of claims experienced and costs of those claims. A majority of the hail damage occurs to roof systems and other rooftop components.