Title 24 Compliance Model - Overhangs?

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If your project has window overhangs, you should model them. If you don't model them, you won't get any energy savings they may be contributing to, let alone not matching your building. Ultimately, what you "need" to do is up to the AHJ, and, since AHJ review is typically not very thorough, your appetite for taking on potential liability for your company and client(s) by taking shortcuts that could generate a lawsuit..