Reasonability Rules

The Validate Data Reasonability rules enable you to analyze your exposure data by comparing key geographic, replacement value, and building attribute fields to each other in order to report instances where seemingly mismatched data, such as a location entered with a Commercial Parking occupancy and a Wood Frame or Mobile Home construction, is likely to affect the accuracy of the loss estimates.

•          Construction/Age

•          Construction/Age/Height

•          Construction/Occupancy

•          Construction/Height

•          Geography/Construction

•          Occupancy Height

•          Coverage

In the tables, numbers in parentheses indicate the AIR construction or occupancy codes that correspond to the described construction or occupancy type (for the purposes of the rule sets).

Construction / Age

Construction / Age rules help you identify locations with year built information that predates the year in which the building's construction class gained widespread use. For example, it is unusual for buildings built before 1945 to feature concrete tilt-up construction. The following table describes the settings in the available rules, including the setting in AIR's default rule set.

Construction / Age / Height

The Construction /Age / Height rule helps you identify locations with year built information that predates the year in which the building's construction class and height gained widespread use. For example, it is unusual for reinforced concrete buildings built before 1960 to have more than 20 stories. The following table describes the settings in the rule, including the settings in AIR's default rule set.

Construction / Occupancy

Construction/Occupancy rules help you identify locations with construction and occupancy codes that do not appear to match. For example, it is unusual for a location designated as a commercial parking occupancy to have a wood frame construction. The following table describes the settings in the available rules, including the settings in AIR's default rule set.

Construction / Height

Construction/Height rules help you identify locations with heights that are unusual for the provided construction class. For example, it is unusual for a mobile home to have three or more stories. The following table describes the settings in the available rules, including the setting in AIR's default rule set.

Geography / Construction

Geography / Construction rules help you identify locations with construction classes that are unusual in the area in which they are built. For example, it is unusual for homes with light wood frame construction to be found outside of Hawaii. The following table describes the settings in the available rules, including the setting in AIR's default rule set.

Occupancy / Height

Occupancy / Height rules help you identify locations with heights that are unusual for the specified occupancy class. For example, it is unusual for a single family home to have four or more stories. The following table describes the settings in the available rules, including the setting in AIR's default rule set.

Coverage

Coverage rules help you identify locations with replacement values, limits, or deductibles that are less than or greater than typical values for particular policies. For example, it is unusual for total replacement values to be less than $50,000 for a location that is not a mobile home or a tenant policy. The following table describes the settings in the available rules, including default settings in AIR's default rule set.