Occupancy Class Descriptions

AIR provides the following categories of occupancy class codes:

Code Range

Category

300

Unknown occupancy

301-307, 382

Residential occupancies

311-319, 383

Commercial occupancies

321-330, 384

Industrial occupancies

331

Restaurant occupancy

335-336

Mercantile occupancies

341-344

Public occupancies

345-346

Education occupancies

351-356

Transportation occupancies

361-365

Utility occupancies

371-381

Miscellaneous occupancies

400-488

Industrial facility occupancies

900-909

Offshore asset occupancies

Usage notes

       Touchstone 3.0 includes an updated US Hurricane Model. The model features, for the 320-series industrial buildings, damage functions that are dependent on the construction type; the damage functions are unlike those in the previous version of the model (which did not capture the dependency on the construction type). While the 400-series Industrial Facilities Model (IFM) was not updated for the new US Hurricane Model, you will see some minimal differences in loss results between use of the old versus the new US Hurricane model; those differences are attributable to hazard and catalog updates.

       When choosing between a 300-series code and a 400-series  code, you need to be aware of some key differences that require knowledge of the facility and what the policy terms cover (the entire facility or the main buildings at a site). The 300-series codes are tuned to account for losses stemming from primary industrial structures—the actual buildings or major structures at an industrial site; they are not tuned for secondary structures such as tanks, manufacturing equipment, etc. The 400-series codes account for the secondary structures using a component-based approach to evaluate damage to an entire industrial facility, including the elements listed above. From a coding perspective, there is no distinct construction code associated with a 400-series occupancy; they are modeled with unknown construction. Click here for AIR's "Providing a Reliable Solution for Modeling Large Industrial Facilities" document.

       Industrial buildings have features that make them generally more vulnerable to damage than other type of buildings, given the same construction types. These features include larger windows or doors, longer roof spans, and roof cover types that are more vulnerable to winds. Within the class of industrial buildings there is also variation in wind vulnerability. Light-metal buildings have been observed to be significantly vulnerable to damage by moderate to high level of winds as compared to concrete and steel-frame buildings. Similarly, wood and masonry constructions are generally more vulnerable to winds than the concrete and steel framed buildings. The new US Hurricane model captures those variations explicitly.

       Compared to the previous version of the US Hurricane model, the wind vulnerability of an industrial building with an "unknown" construction type has not changed significantly; that is, AIR's understanding of vulnerability for a generic industrial building remains the same. However, since the previous version of the model does not distinguish between different construction types while the new model does, you will observe increases in losses for wood, masonry, and light-frame constructions, and decreases in losses for concrete and steel-frame buildings. Accordingly, depending on the mix of construction types for the industrial buildings within the portfolio, you may observe increases or decrease.

 

 

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Touchstone 3.0 Updated December 02, 2016