Just as there are crash tests for automobiles, why should there not be similar testing to see how buildings hold up against a variety of insured exposures? That is the driving question behind the Institute for Business and Home Safety's planned "Insurance Center for Building Safety Research."
The idea is to develop a facility that would do for homes what the Insurance Institute for Highway Safety does for cars, according to IBHS President and Chief Executive Officer Julie Rochman.
"Instead of crashing vehicles," Ms. Rochman said, "we'll be constructing full-scale houses and 'crashing' them."
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