Average Properties

The Average Properties Financial Settings parameter enables you to specify how Touchstone applies average physical properties, such as soil type and land use/land cover data, at a region-specific geographic resolution, during a loss analysis. Refer to the Exposure Disaggregation in Touchstone guide, available on the Client Portal, for information about this option, including information about the models that support average properties, and the supported countries and geographic resolutions at which Touchstone applies average properties.

•       Automatic: Touchstone automatically assigns the properties based on the geocode match level. If the match level of the location is ZIP centroid or coarser, it uses the average physical properties. If the match level is finer than ZIP centroid, it uses the grid physical properties, down to 1 kilometer, which is the resolution used by AIR's Industry Exposure Database.

•       On: Touchstone analyzes all locations based on average physical characteristics for an entire postal code area, regardless of the geocode match level.

•       Off: This is the default setting. If you do not select this option, the loss is estimated based on hazards at the geocode of your location.