What is FM Global?
FM Global is one of the world's largest commercial property insurers, specializing in property protection and business continuity for Fortune 1000 companies. Unlike traditional insurers who simply pay claims, FM Global focuses on loss prevention through rigorous engineering standards and facility assessments.
FM Global's approach is built on three pillars: engineering-based risk assessment,property loss prevention services, and globally consistent standards. Their roof assessment requirements are among the most stringent in the industry, designed to protect against wind damage, hail impact, fire spread, and water infiltration.
Key Insight
FM Global policyholders benefit from reduced premiums when facilities meet FM Approved standards. Non-compliance can result in coverage limitations, increased deductibles, or policy modifications.
Why FM Compliance Matters for Your Business
For Fortune 1000 companies, FM Global compliance isn't just about insurance—it's about protecting critical operations, safeguarding high-value assets, and maintaining business continuity.
Benefits of Compliance
- • Premium reductions of 15-30% on property insurance
- • Faster claims processing when losses occur
- • Access to FM Global engineering consultations
- • Reduced business interruption exposure
- • Enhanced property values and marketability
Risks of Non-Compliance
- • Coverage exclusions for roof-related claims
- • Higher deductibles (often $500K+)
- • Required remediation timelines with penalties
- • Policy non-renewal risk at audit failures
- • Personal liability for facility managers
FM Roof Requirements & Classifications
FM Global classifies roof systems based on their resistance to specific hazards. Understanding these classifications is essential for ensuring your roof meets requirements for your geographic location.
Key FM Data Sheets for Roofing
FM 1-28: Wind Design
Roof deck securement, wind uplift resistance, edge securement requirements
FM 1-29: Roof Coverings
Above-deck components, membrane systems, insulation requirements
FM 1-34: Hail Damage
Impact resistance requirements by geographic zone
FM 1-52: Field-Applied Coatings
Roof coating systems, maintenance coatings, reflective coatings
FM Roof Classifications
Severe Hail
Highest level of impact resistance. Required for areas with severe hail exposure.
FM 4473 approved, UL 2218 Class 4 impact rating
Moderate Hail
Moderate impact resistance for areas with occasional hail events.
FM 4473 approved, meets moderate impact criteria
Wind Uplift
Focus on wind resistance ratings based on geographic location.
FM 4474 approved, wind uplift ratings per FM 1-28
Documentation Standards
Proper documentation is the foundation of FM compliance. During audits, FM engineers will request specific records. Having these organized and accessible demonstrates a proactive maintenance approach.
Roof System Documentation
- Original roof installation specifications and warranties
- As-built drawings showing roof assembly details
- FM Approval certificates for all roof components
- Manufacturer product data sheets
- Roof system compatibility letters
Inspection Records
- Annual professional roof inspection reports
- Bi-annual (minimum) maintenance inspection logs
- Post-storm damage assessments
- Infrared moisture survey results
- Core sample analysis reports
Maintenance Records
- Preventive maintenance schedule and completion records
- Repair work orders with before/after photos
- Drain clearing and debris removal logs
- Sealant and flashing maintenance records
- Emergency repair documentation
Compliance Certificates
- FM Global RoofNav registration (if applicable)
- FM Approved contractor certifications
- Quality assurance inspection reports
- Warranty transfer documentation
- Code compliance certificates
The FM Global Audit Process
Understanding the audit process helps you prepare effectively. FM Global conducts both scheduled and unannounced assessments.
Pre-Audit Notification
FM Global typically provides 2-4 weeks notice for scheduled audits. Use this time to gather documentation and conduct internal inspections.
Document Review
The FM engineer reviews your roof documentation including installation records, maintenance logs, and previous inspection reports.
Physical Inspection
A thorough on-site inspection of all roof surfaces, penetrations, flashings, drainage systems, and interior areas below.
Interviews
Discussions with facility management about maintenance programs, emergency procedures, and contractor qualifications.
Preliminary Findings
The engineer shares initial observations and discusses any immediate concerns requiring attention.
Written Report
A formal report is issued within 2-4 weeks detailing findings, recommendations, and required remediation timelines.
Common Deficiencies Found in FM Audits
Knowing the most frequently cited deficiencies helps you conduct effective self-assessments and address issues before they become audit findings.
Inadequate Edge Securement
High RiskPerimeter flashings and edge metal not meeting FM wind uplift requirements.
Upgrade to FM-approved edge systems rated for local wind speeds.
Ponding Water
High RiskStanding water remaining 48+ hours after precipitation indicating drainage issues.
Install additional drains, crickets, or tapered insulation systems.
Missing Documentation
Medium RiskIncomplete records of roof assembly, maintenance, or repairs.
Conduct comprehensive roof survey and establish documentation protocols.
Unauthorized Penetrations
High RiskHVAC, electrical, or other penetrations installed without proper flashing.
Install FM-approved pitch pans or curb flashings for all penetrations.
Membrane Deterioration
Medium RiskVisible aging, cracking, or UV degradation of roofing membrane.
Apply protective coatings or plan for membrane replacement.
Insufficient Attachment
High RiskRoof system not meeting FM 1-28 attachment requirements for wind zone.
Retrofit with additional fasteners or adhesive per FM guidelines.
Remediation Strategies
When deficiencies are identified, developing a strategic remediation plan is critical. Prioritize based on risk level and FM timeline requirements.
Pro Tip
When requesting remediation timeline extensions from FM Global, always provide a detailed action plan with milestones, budget allocation, and contractor commitments.
Remediation Priority Framework
Immediate (0-30 Days)
- • Active leaks or water intrusion
- • Severe flashing failures
- • Fire barrier compromises
- • Structural concerns
Short-Term (30-90 Days)
- • Edge securement upgrades
- • Drainage improvements
- • Penetration repairs
- • Documentation gaps
Planned (90-365 Days)
- • Coating applications
- • System upgrades
- • Capital improvements
- • Program enhancements
Establishing an FM-Compliant Maintenance Program
A documented, consistent maintenance program is essential for FM compliance and demonstrates due diligence in protecting your facility.
Recommended Inspection Schedule
| Frequency | Inspection Type | Performed By |
|---|---|---|
| Monthly | Visual walk-through, drain clearing | Facility staff |
| Quarterly | Detailed maintenance inspection | Trained maintenance personnel |
| Bi-Annually | Comprehensive condition assessment | Qualified roofing professional |
| Annually | Full professional inspection with report | FM-approved contractor |
| After Storms | Damage assessment | Qualified personnel + contractor if damage found |
FM Audit Preparation Checklist
Use this comprehensive checklist to prepare for your FM Global audit. Items marked asCriticalare most likely to result in findings if not addressed.
Pre-Audit Documentation Review
- Compile all original roof installation documentsCritical
- Gather last 3 years of inspection reportsCritical
- Organize maintenance and repair recordsCritical
- Verify FM Approval certificates are currentCritical
- Prepare roof plan drawings with dimensions
- Document all roof penetrations and equipment
Physical Roof Inspection
- Verify edge metal securement and conditionCritical
- Inspect all flashings at penetrationsCritical
- Check drainage systems for blockagesCritical
- Evaluate membrane condition and seamsCritical
- Assess roof traffic damage areas
- Inspect equipment curbs and supports
- Document any visible repairs or patches
Building Interior Review
- Check for water staining on ceilingsCritical
- Inspect insulation in accessible areas
- Review any reported leak historyCritical
- Verify fire barriers at roof deckCritical
- Document high-value equipment below roof
Program & Procedures
- Written roof maintenance program in placeCritical
- Designated roof access control policy
- Emergency response procedures documentedCritical
- Contractor qualification requirements
- Annual budget allocation for roof maintenance
Need Help with FM Compliance?
Our assessment specialists can evaluate your facility's FM compliance status, identify gaps, and help you prepare for upcoming audits.