Augmentation Rules

The following Data Quality Analysis Augmentation rules enable you to enhance the quality of your exposure data in any problem areas that you have identified:

AIR's 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 AIR's Property-specific database values. In addition, by default, Touchstone includes, in Data Quality Analysis results, a summary of the consistency of your exposure data with data in AIR's Property-specific database; 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 AIR's Property-specific database 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.

Update Geocoding Data

These rules enable you to replace latitude, longitude, and geocode match level data with values in AIR's Property-specific database. For more information, see Using Geocoding in Touchstone, which is available on AIR's Client Portal.The following table describes the settings in the available rules, including the settings in AIR's default rule set.

Tenant Policy Identification & Augmentation Preferences

This rule enables you to identify which locations in your portfolio are covered by tenant policies according to their line of business, policy form, and occupancy type. If you select an occupancy type, you can also specify the ratio of building to contents replacement value.

For Validation, several Reasonability rules require that the system can identify such policies; for example, one Reasonability rule is "Total Replacement Value < 50,000 and not a mobile home or a tenant policy."

For Augmentation, when you identify policies as tenant policies, the system does not update replacement, occupancy type, or gross area values for locations covered by those policies. This is because augmentation with AIR's Property-specific database values uses only ground-up replacement values—since certain fields in tenant or condominium owner policies cover only a small building replacement value, not the full building replacement value, and/or a contents replacement value, identifying a policy as a tenant policy prevents augmentation of those values with AIR's Property-specific database ground-up replacement values. (Touchstone can still augment other fields in the tenant policies.)

The following table describes each option, including the settings in AIR's default rule set. Click here for information about configuring a tenant definition.

Skip Locations with Duplicate Address in the Same Book and Contract

This rule enables you to keep Data Quality Analysis from augmenting exposure data for locations with the same address (ISO BIN) when the locations appear multiple times in your selected book and contract. This can be useful when you have multiple buildings coded to a single address, for example, when several university buildings are assigned the main campus address or when several buildings in an industrial park share the same address.

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 values from AIR's Property-specific database. 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 AIR's default rule set.

Primary Risk Characteristics

These rules enable you to update values for key building attributes with values from AIR's Property-specific database; you can select different replacements for each field depending on whether the current value is known or unknown. You can also update the employee count for workers' compensation certificates with values from the database; you can replace the data based on the number of tenants at the location.

The following table describes the settings in the available rules, including the settings in AIR's default rule set..

Secondary Risk Characteristics

These rules enable you to update values for secondary building attributes that only affect losses for certain perils with values from AIR's Property-specific database.

The following table describes the settings in the available rules, including the settings in AIR's default rule set.

Option	Action	AIR Default
Update Replacement Value of Building (Coverage A)	Applies the Replacement Value of Building (Coverage A) found in AIR's Property-specific database if all the selected criteria are met. Available criteria include: • Database value is greater than the existing value • Database value is not more than a user-specified percent greater than the current value • Database value is less than the existing data value • Database value is not more than a user-specified percent less than the current value • The quality grade of the database value is High	Augments if all the following criteria are met: • AIR's Property-specific database value is no more than 200% above the existing data value • Database value has a High quality grade
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.	Enabled
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.	Enabled

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. • Keep it: Keeps the existing value • Use AIR's Property-specific database value: •. Always •. If the quality grade of the value is High •. If the quality grade of the value is Medium	• Always uses AIR's Property-specific database value if the existing data is unknown • Keeps the existing value if it is known
Occupancy		• Always uses AIR's Property-specific database value if the existing data is unknown • Keeps the existing value if it is known
Year Built		• Always uses AIR's Property-specific database value if the existing data is unknown • Keeps the existing value if it is known
Height		• Always uses AIR's Property-specific database value if the existing data is unknown • Keeps the existing value if it is known
Gross Area		• Always uses AIR's Property-specific database value if the existing data is unknown • Keeps the existing value if it is known
Employee Count—Use AIR's Property-specific database value	Uses AIR's Property-specific database value: • Always • If the quality grade of the value is High • If the quality grade of the value is Medium To update the value only for single-tenant or multiple-tenant locations, select the Only update if the number of tenants check box and then select the appropriate value from the list.	Not selected
Employee count—Keep my employee count, do not update	Keeps the existing value	Not selected

Characteristic	Action	AIR Default
Roof Geometry	Perform one of the following actions. You can specify different actions based on whether the values for your exposure data are known or unknown. • Keep it: Keeps the existing value • Use AIR's Property-specific database value: • Always • If the quality grade of the value is High • If the quality grade of the value is Medium	• Always use AIR's Property-specific database value if the existing data is unknown • Keep the existing value if it is known
Roof Cover		• Always use AIR's Property-specific database value if the existing data is unknown • Keep the existing value if it is known
Siding		• Always use AIR's Property-specific database value if the existing data is unknown • Keep the existing value if it is known
Foundation Type		• Always use AIR's Property-specific database value if the existing data is unknown • Keep the existing value if it is known