Evaluate damage by sub-peril.
In the U.S. and Canada, ETCs are often accompanied by wind, snow, sleet, and freezing temperatures, all of which damage property differently. AIR ETC models employ damage functions that capture the specific mechanisms by which each of these perils causes loss.
Understand the impact of regional climate on storms.
AIR ETC models capture the rich variation in regional storm experience, including the tendency of storms to arrive in clusters over northern Europe, the frequency of ice storms in the Great Lakes region of the U.S. and Canada, and the impact of fierce Nor'easters along the U.S.'s Eastern Seaboard.
Explore our U.S. winter storm model
Consider differences in regional vulnerability.
Take into consideration variations in building codes, structural design, and construction practices by location.