Location Building Detail Fields

 

The following table describes the Touchstone location fields related to the secondary building characteristics (that is, the building detail) of this location:

 

Touchstone supports secondary building characteristics for the following models and perils:

       AIR Bushfire Model for Australia (AU WF)

       AIR Coastal Flood Model for Great Britain (GB CF)

       AIR Earthquake Model for Canada (CA EQ)

       AIR Earthquake Model for Hawaii (HI EQ)

       AIR Earthquake Model for Japan (JP EQ)

       AIR Earthquake Model for the United States (US EQ)

       AIR Hurricane Model for the United States (US HU), including the Storm Surge Module, as well as the AIR Tropical Cyclone Model for Hawaii (HI TC)

       AIR Inland Flood Model for Central Europe (including Germany, Austria, Czech Republic, and Switzerland) (CE IF)

       AIR Inland Flood Model for Great Britain (GB IF)

       AIR Inland Flood Model for the United States (US IF)

       AIR Severe Thunderstorm Model for the United States (US ST), including the Straight-Line Wind, Tornado, and Hail sub-perils

       AIR U.S. Hurricane Model for Offshore Assets (US HU OS)

       AIR Wildfire Model for California (US WF)

Each secondary building characteristic is applicable to only a subset of these models (perils), as the Perils column in the table below indicates.

Field

Perils

Description

Validation Rules

Default Value

Floor of Interest

       CE IF

       GB CF

       GB IF

       HI TC

       US HU

       US IF

       US ST - Straight-Line Winds, Tornados

Floor of interest in cases in which the entire building is not covered at this location

 

Floor of Interest Value

Description

-1

Basement (for use with the AIR Inland Flood Model for the United Kingdom and the AIR Inland Flood Model for the United States only) or cellar (for use with the AIR Inland Flood Model for Central Europe only)

0

Unknown/default (or no floor of interest)

1

Ground floor

2

First floor above the ground floor

3

Second floor above the ground floor

Etc.

 

 

Enter replacement values (building, contents, and Business Interruption) and policy terms for the floor of interest and not for the whole building.

 

For the hurricane peril, use this field in conjunction with the terrain roughness and adjacent building height.

 

Different floors of the building experience varying degrees of damage. The nature of damage experienced by each floor can also be different.

       Defaults to a value in the Touchstone user interface

       Must be a numeric value between -1 and 999, inclusive

       Floor of interest cannot be greater than the number of stories, unless the number of stories is 0.

       If you select -1 as the floor of interest, you must select Masonry basement (1) or Concrete basement (2) as the Foundation Type.

       If you specify any of the following construction or occupancy class codes for this location, Touchstone ignores your setting for this field:

       IFM (400 series occupancy class codes)

       Mobile homes (191-194 construction class codes)

       200 series construction class codes (including automobiles and pleasure boats)

       Industrial occupancies (321-330 occupancy class codes)

0

Floor Area

Click here for differences between Gross Area and Floor Area.

 

This field does not affect losses.

Total floor area for the building at this location

The floor area units that you have specified determines the unit in which you should express the value for this field.

       Optional

       Defaults to a value in the Touchstone user interface

       Can be a numeric value between 0 and 2,147,483,647 inclusive

0

Floor Area Units

 

One of the following units of measurement for the floor area:

       Acre (AC)

       Hectare (HA)

       Square feet (SQFT)

       Square meters (SQM)

Optional

 

Floor Occupied

 

Single floor or range of floors occupied in the building at this location

Optional

 

Building Condition

       CA EQ

       HI EQ

       HI TC

       JP EQ

       US EQ

       US HU

       US ST - Straight-Line Winds, Tornados

One of the following general qualitative descriptions of the condition of the building at this location, based on visual inspection of the building cladding and maintenance:

       Unknown/default (0)

       Average (1)

       Good (2)

       Poor (3)

 

The external appearance of cladding and maintenance gives a qualitative estimate of expected performance.

 

For earthquakes: Buildings with signs of distress or duress, such as cracking due to aging and ground settlement or overloading or cracking due to damage from previous earthquakes, are likely to experience additional damage during an earthquake.

 

For hurricanes: Buildings with signs of distress or duress are likely to experience additional damage during a tropical cyclone. Some examples of these signs are an aging roof, exterior walls, or cladding; loose roof tiles or chimney damage; or damage from previous tropical cyclones.

       Optional

       Defaults to a value in the Touchstone user interface

Unknown/default (0)

Building Shape

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to describe the overall shape of the footprint of the building at this location:

       Unknown/default (0)

       Square (1)

       Rectangle (2)

       Circular (3)

       L-shaped (4)

       T-shaped (5)

       U-shaped (6)

       H-shaped (7)

       Complex (8)

 

Shape is critical for the performance of a structure, especially for large commercial buildings. In general, simple regular forms, like squares and rectangles, perform better than combinations of those, such as L- and T-shaped buildings. The sharp corners in these complex shapes are vulnerable.

       Optional

       Defaults to a value in the Touchstone user interface

Unknown/default (0)

Torsion

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to describe the layout of structural elements that can lead to torsional loads in the building at this location:

       Unknown/default (0)

       Symmetric (1)

       Asymmetric (2)

       Corner building (3)

 

Wedge-shaped buildings and corner buildings are typical examples in which the lateral load-resisting components in a building are placed asymmetrically. This leads to torsional forces being induced when the building is shaken, which can lead to significant damage.

       Optional

       Defaults to a value in the Touchstone user interface

Unknown/default (0)

Soft Story

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to indicate whether there is structural weakness at any floor in the building at this location:

       Unknown/default (0)

       No (1)

       Yes (2)

 

This field is only applicable if the number of stories is 2 or greater.

 

First-floor garages and taller first floors are likely to exhibit soft-story behavior.

 

The weakness is usually in the lateral load-resisting capacity of the floor and can often result in total (pancaking) collapse of the floor. In residential buildings, it is most often found in the first floor due to large openings or garages. In multi-story buildings, it can be present at any floor, although a large number of case histories exist with collapse of the first floor.

       Optional

       Defaults to a value in the Touchstone user interface

Unknown/default (0)

Structural Irregularity

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to describe irregularity in such things as floor plans, structural components, uneven weight distribution, etc. for the building at this location:

       Unknown/default (0)

       Vertical Offset (2)

       Non-uniform Floor Area (3) (e.g., a sudden change in floor area along the height)

       Discontinuous Shear Wall (4) (i.e., the main load-resisting components are not provided in a regular, symmetric pattern)

       Heavy floor (5) (e.g., placement of heavy equipment on higher floors)

 

Note that AIR no longer supports the Regular (1) value. If you use this value, Touchstone maps this value to Unknown/default (0) upon import.

 

Such structural irregularities can lead to catastrophic collapse of properties as witnessed in the Mexico City and Kobe earthquakes.

       Optional

       Defaults to a value in the Touchstone user interface

Unknown/default (0)

Special Earthquake-Resistive Systems

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to indicate whether there are earthquake-resistive systems installed in the building at this location:

       Unknown/default (0)

       Base isolation (1)

       Visco-elastic dampers (2)

       Other energy dissipaters (3)

 

Some new commercial buildings (mainly in California and Japan) have special devices/design elements to resist earthquake loads. Structures with special design have performed satisfactorily in recent events, such as Northridge.

Optional

 

Retrofit Measures

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to describe any retrofit measured used in the building at this location:

       Unknown/default (0)

       Bracing of cripple walls (1)

       Bracing of parapets (2)

       Bracing of soft-story (3)

       Foundation anchorage (bolting) (4)

       Glass/window strengthening (5)

       Tilt Up (6)

       General (7)

 

Note that this field is reserved for future use in the Japan Earthquake model.

 

A properly retrofitted structure can resist earthquakes even though the original structural form had weaknesses.

       Optional

       For U.S. Earthquake (M11), if you want to use the Bracing of cripple walls (1) option, you must also select Crawl space cripple wall (4) as the foundation type.

       For U.S. Earthquake (M11), if you want to use the Foundation anchorage (bolting) (4) option, you must also select Gravity/Friction (4) as the foundation connection.

 

Short Column

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to indicate whether there are short columns in the building at this location:

       Unknown/default (0)

       No (1)

       Yes (2)

 

This field applies to old concrete structures in which the fill height of some columns has been restricted by spandrel beams or infill walls. If some of the columns along the perimeter are shorter than the adjacent columns, there is high chance that the shorter columns can no longer bear the loads for which they were originally designed.

Optional

 

Ornamentation

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to describe the amount of decorative elements attached to exterior of the building at this location:

       Unknown/default (0)

       None (1)

       Average (2)

       Extensive (3)

 

Decorative elements may fall during an earthquake. Examples include unreinforced or unbraced parapet walls or entryway roofs, which can break off during excessive shaking.

Optional

 

Water Heater

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to indicate whether the water heater in the building at this location is braced:

       Unknown/default (0)

       Braced (1)

       Unbraced (2)

 

Note that this field is reserved for future use in the Japan Earthquake model.

 

If the water heater in a residential building is not properly secured, it can topple during earthquakes and cause damage, to both itself and any part of the structure underneath it.

Optional

 

Redundancy

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to indicate whether there are multiple lateral load-resisting elements (frames or shear walls) in the building at this location:

       For Japan Earthquake:

       Unknown/default (0)

       No (1)

       Yes (2)

       For Canada Earthquake and U.S. Earthquake:

       Unknown/default (0)

       Yes (1)

       No (2)

 

Redundancy provides additional reinforcement against earthquake damage.

Optional

 

Tall One Story

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to describe the height of the one-story building at this location:

       Unknown/default (0)

       <= 20 ft (1)

       > 20 ft (2)

       > 40 ft (3)

 

Single story buildings that are taller than typical one-story structures (e.g., churches, gymnasiums, auditoriums, etc.) have been observed to experience more damage. The majority of the seismic weight of the building (the building's roof) is further from the ground, which may induce larger overturning forces. The structure may also contain slender elements that may be more likely to experience buckling failure modes.

Optional

 

Equipment

       CA EQ

       HI EQ

       JP EQ

       US EQ

One of the following values to describe the level of equipment bracing in the building at this location:

       Unknown/default (0)

       Well-Braced (1)

       Average Bracing (2)

       Unbraced (3)

 

Anchoring mechanical and electrical equipment to the floor or bracing them against structural elements can resist damage. Vibration isolators (springs) are not as effective. In addition, piping should be braced to restrain the movement.

Optional

 

Seal Of Approval

       HI TC

       US HU

       US ST - Straight-Line Winds, Tornados

One of the following values to describe the level of professional engineering attention given to the design of the structure of the building at this location:

Seal Of Approval Value

Description

Unknown/ Default (0)

 

Fully Engineered Structure (1)

The structure has been designed by a Professional Engineer, who is required by the local jurisdiction to seal the calculations and drawings.

Partially Engineered Structure (2)

The structure has been inspected by a Professional Engineer and found "deemed-to-comply" with the respective building code. The local jurisdiction does not require the Professional Engineer to seal the calculations.

Minimally Engineered Structure (3)

The structure does not satisfy any of the conditions mentioned above.

 

This field is only applicable if you specify a year built for the building at this location.

Optional

 

Extra Data

 

Extra data to describe the building at this location

Optional

 

IS Value Type

       JP EQ

One of the following values to describe the type of measure of the total seismic performance of the building at this location:

       Unknown/default (0)

       Less than 0.3 (1)

       0.3 - 0.45 (2)

       0.45 - 0.55 (3)

       0.55 - 0.65 (4)

       0.65 - 0.75 (5)

       0.75 - 0.85 (6)

       0.85 - 1.0 (7)

       1.0 - 1.25 (8)

       Greater than 1.2 (9)

 

This measure accounts for all the characteristics that affect the response of a building to an earthquake.

 

This value is based on seismic performance evaluation guidelines.

 

If you use this modifier, Touchstone disables all other modifiers.

Optional

 

Lattice Type

       JP EQ

One of the following values to describe the type of web for H-shaped steel in the building at this location:

       Unknown/default (0)

       Full Web (1)

       Grid (2)

       Lattice (3)

 

The characteristic influences the ductility of a structure.

Optional

 

Multi Story Hall Type

       JP EQ

One of the following values to indicate whether there is a multi-story hall in the building at this location:

       Unknown/default (0)

       No (1)

       Yes (2)

 

Multi-story halls cause the unequal distribution of external forces among floors and columns. This causes stress to concentrate in some of the components, which makes buildings more vulnerable to earthquake damage.

Optional

 

First Floor Height

       US HU

       US IF

Height (in feet) of the first floor in the building at this location above the ground surface / grade

 

A value of -999 for this field in your import data represents Unknown/Default.

 

Touchstone supports this field for all residential, commercial, and small industrial buildings.

 

The value in this field overrides the value for the base flood elevation.

 

A raised first floor significantly reduces a building's vulnerability to flood damage.

       Optional

       If you specify any of the following construction or occupancy class codes for this location, Touchstone ignores your setting for this field:

       IFM (400 series occupancy class codes)

       200 series construction class codes (including automobiles and pleasure boats)

Integer value of height in feet. If you input a floating point value, the storm surge model truncates it. For example, input values of 2.2 and 2.9 are both converted to 2 feet.

Service Equipment Protection

       US HU

       US IF

One of the following values to indicate whether mechanical, electrical, or plumbing service equipment in the floodable parts of the basement of the building at this location has protection:

       Unknown /Default (0)

       Protected for flood (1) (i.e., protected for flood by being elevated and/or flood proofing)

       Unprotected for flood (2) (i.e., not elevated and not flood protected)

 

Touchstone supports this field for all residential, commercial, and small industrial buildings.

 

Protection can be in the form of the equipment being elevated or in the form of some type of flood-proofing.

       Optional

       If you specify any of the following construction or occupancy class codes for this location, Touchstone ignores your setting for this field:

       IFM (400 series occupancy class codes)

       200 series construction class codes (including automobiles and pleasure boats)

 

FIRM Compliance

       US HU

       US IF

One of the following values to indicate whether the building at this location complies with standards based on FEMA's Flood Insurance Rate Maps (FIRM):

       Unknown/Default (0)

       YES (1)

       NO (2)

  For the AIR Hurricane Model for the United States, this field serves as a placeholder for future implementation.

       Optional

       If you specify any of the following construction or occupancy class codes for this location, Touchstone ignores your setting for this field:

       IFM (400 series occupancy class codes)

       200 series construction class codes (including automobiles and pleasure boats)

 

Content Vulnerability

       US HU

       US IF

One of the following values to describe the portion of the contents of the building at this location that have a low vulnerability:

Content Vulnerability Value

Description

Unknown/Default (0)

The level of vulnerability is unknown, or you would like to use the Touchstone default setting for this field.

Low (1)

An unusually large percentage of the contents are water-resistant or protected.

Moderate (2)

A typical percentage or the contents are water-resistance or protected.

High (3)

A low percentage of the contents are water-resistant or protected.

Very High (4)

Almost none of the contents are water-resistant or protected.

 

Touchstone supports this field for all residential, commercial, and small industrial buildings.

 

This field enables you to indicate that some of a building's contents are resistant to water damage or have flood protection.

       Optional

       If you specify any of the following construction or occupancy class codes for this location, Touchstone ignores your setting for this field:

       200 series construction class codes (including automobiles and pleasure boats)

 

Certified Structures (IBHS)

       US HU

One of the following values to indicate whether the building at this location has achieved an Insurance Institute for Business & Home Safety (IBHS) FORTIFIED designation:

       Unknown/default (0)

       Fortified Home (IBHS) Bronze Option 1 (1)

       Fortified Home (IBHS) Bronze Option 2 (2)

       Fortified Home (IBHS) Silver Option 1 (3)

       Fortified Home (IBHS) Silver Option 2 (4)

       Fortified Home (IBHS) Gold Option 1 (5)

       Fortified Home (IBHS) Gold Option 2 (6)

       Fortified for Safer Living (IBHS) (7)

  When importing values for this field, use the integer identifiers (e.g., import "1" for "Fortified Home (IBHS) Bronze Option 1").

Optional

This feature works only for AIR occupancy codes 301, 302 and 303 when used in combination with AIR construction codes 101-14, 111-119, and 131-137.

 

IsFireSprinklerAvailable

       N/A (For Non-Catastrophe Peril Analysis)

One of the following values to indicate whether this location contains one or more fire sprinklers:

       Yes (1)

       No (0)

       Unknown

  When importing values for this field, use the integer identifiers (e.g., import "1" for "Yes").

Optional

Unknown

 

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Touchstone 3.0 Updated December 02, 2016