Unknown Construction

100

Unknown

The construction class is not known. If the construction and occupancy codes for a location are both "Unknown," Touchstone assigns the occupancy code "General Commercial."

The damage functions for unknown construction are the weighted average of the known construction damage functions. Touchstone uses an exposure-weighted average at the state level to capture the variability in building stocks at this geography. The unknown damage function varies by occupancy class code.

For an exposure of known occupancy but unknown construction and height, Touchstone uses a damage function that is a weighted average of the damage functions for the same occupancy class corresponding to all combinations of construction and height classes.