Tim Reinhold, PhD, chief engineer and senior vice president of research for Insurance Institute for Business & Home Safety, a nonprofit research and advocacy organization supported by the property insurance industry, based in Richburg, South Carolina. He previously was a professor of civil engineering at Clemson University and a consulting engineer for the National Institute for Standards and Technology. Reinhold serves on the American Society of Civil Engineers wind loads subcommittee. www.DisasterSafety.org
The federal government declared 86 major natural disasters in the first nine months of 2011, more than in any full…