User-specified values rules
Data Quality user-specified values rules enable you to analyze and enhance the quality of your exposure data in problem areas that you have identified.
This topic provides information about: updating geocoding data; building valuation guidelines for replacement value of buildings; primary risk characteristics; and secondary risk characteristics.
Our PSD (property-specific database), which compiles information from multiple industry databases, including ISO's Specific Property Information (SPI) database, is available under separate license. With this license, you can use Augment's Enhance with Property-Specific Data Values option to replace location attributes with our PSD values. In addition, by default, Touchstone includes, in Data Quality analysis results, a summary of the consistency of your exposure data with data in our PSD; you can also choose to include detailed information about the consistency of your data. Without a license to this database, you cannot augment geocoding, primary risk characteristics, secondary risk characteristics, or building replacement values with our PSD values. However, you can use Augment's Enhance with User-specified Values option to clear geocoding data and replace primary risk characteristics, secondary risk characteristics, and replacement values with values that you specify.g
This rule enables you to clear all the current geocode data in your exposure data, including latitude, longitude, and geocode match level data.
We strongly recommend that you clear geocode data and corresponding match levels before running loss analyses. If you clear the geocode data after running an analysis configured with the Enhance with User-Specified Values function, you must then also clear the physical properties from the loss database; this ensures that the physical properties are regenerated with the new geocodes.
Building valuation guidelines for replacement value of building (Coverage A)
These guidelines enable you to update building replacement values, other coverage-specific replacement values, and limits with user-specified values. You can adjust coverage-specific replacement values and limits if the corresponding building replacement value is augmented.
The following table describes the settings in the available rules, including the settings in the Touchstone default rule set.
| Option | Action | AIR Default |
|---|---|---|
| Always apply this Value of Building (Coverage A) | Sets the Replacement Value of Building (Coverage A) to a user-specified monetary value | Not selected |
| Apply the following Minimum or Maximum values if the existing value is outside the range | Sets the Replacement Value of Building (Coverage A) to a user-specified minimum or maximum monetary value if the existing value falls outside the range | Not selected |
| If values are updated, adjust coverages by the ratio of replacement value change | If the building replacement value is updated, adjusts the coverage-specific replacement values (for Other Structures, Contents, and Time Element) by the corresponding ratio of the difference between the updated building replacement value and the old building replacement value. | Not selected |
| If values are updated, adjust limits to account for guaranteed replacement cost policies | If the building replacement value is updated, adjusts the limits by the corresponding ratio of the difference between the updated building replacement value and the old building replacement value. | Not selected |
Primary risk characteristics
These rules enable you to update values for key building attributes with user-specified values. You can also update the employee count for workers' compensation certificates with a user-specified value, you can replace the data based on the number of tenants at the location.
The following table describes settings in the available rules, including the settings in the Touchstone default rule set.
| Characteristic | Action | AIR Default |
|---|---|---|
| Construction | Perform one of the following actions. You can specify different actions based on whether the values for your exposure data are known or unknown. You can keep the existing value or update it with a user-specified value. | Keep the existing value |
| Occupancy | Keep the existing value | |
| Year built | Keep the existing value | |
| Height | Keep the existing value | |
| Gross area | Keep the existing value | |
| Employee Count | Enter the number of tenants at the location. | Not selected |
Secondary risk characteristics
These rules enable you to update values for secondary building attributes that only affect losses for certain perils with user-specified values. The following table describes settings in the available rules, including settings in the Touchstone default rule set.
| Characteristic | Action | AIR Default |
|---|---|---|
| Shape | Performs one of the following actions. You can specify different actions based on whether the values for your exposure data are known or unknown. You can keep the existing value or update it with a user-specified value that ou select from the Unknown/default (0) list. | Keep the existing value |
| Torsion | Keep the existing value | |
| Soft Story | Keep the existing value | |
| Roof Geometry | Keep the existing value | |
| Roof Cover | Keep the existing value | |
| Roof Cover Attachment | Keep the existing value | |
| Roof Deck | Keep the existing value | |
| Roof Deck Attachment | Keep the existing value | |
| Roof Anchorage | Keep the existing value | |
| Wall Type | Keep the existing value | |
| Siding | Keep the existing value | |
| Glass Type | Keep the existing value | |
| Glass Percent | Keep the existing value | |
| Window Protection | Keep the existing value | |
| External Doors | Keep the existing value | |
| Foundation Type | Keep the existing value | |
| Building Foundation | Keep the existing value | |
| Appurtenant Structure | Keep the existing value |