Pdfstreamer

This document details the changes in secondary modifiers and
the way secondary modifiers are mapped in v11.0. The

document is divided into two sections:
 Overview of Secondary Modifier Updates: The secondary
modifiers and modifier options available in v11.0
– This information can be used as guidance to update data
capture practices in preparation for v11.0
 Mapping Updates: How secondary modifiers are mapped
when an EDM is upgraded from v9.0 or 10.0 to v11.0
– Secondary modifiers automatically map to v11.0 upon upgrade
of a v9.0 or 10.0 EDM
– No additional scripts are needed to perform the upgrade
– A copy of the EDM or secondary modifier tables should be
made prior to upgrade to retain any original data as it will be
overwritten
© 2010 Risk Management Solutions, Inc. CONFIDENTIAL 2
v9.0/10.0 Secondary Modifiers v11.0 Secondary Modifiers
Modifier 1 Modifier 1 Name Change

Modifier 2
Modifier 2
Modifier 3
Modifier 4
Modifier 6 New
Modifiers being combined
Modifiers being retired
New modifier
This legend is used in slides 4 and 5 to illustrate the changes from v9.0/10.0 to v.11.0

Construction Quality Construction Quality

Roof Framing Type
Roof Covering Roof Covering
Roof Age
Roof Age / Condition
Roof Maintenance
Roof Geometry
Roof Geometry
Roof Parapets
Roof Anchor Roof Anchor
Mech./Elec. Equipment – Roof Roof Equipment Hurricane Bracing
External Ornamentation Commercial Appurtenant Structures
Architectural Elements Residential Appurtenant Structures
Wind Resistance – Windows
Opening Protection
Resistance – Doors
Cladding Type
Cladding Type
Wind Missiles
Roof Sheathing Attachment Roof Sheathing Attachment
Foundation System Frame-Foundation Connection
Mech./Elec. Equipment - Side of Building
Basement Basement
© 2010 Risk Management Solutions, Inc. CONFIDENTIAL
Mech / Elec Equipment – Ground Level Ground Level Equipment 5
Flood Missiles
Flood Protection
Percent Complete Percent Complete
Year Upgrade Year Upgrade
Flashing and Coping Quality
Contents Vulnerability due to Wind
Content Grade
Contents Vulnerability due to Water
BI Preparedness BI Preparedness
BI Redundancy BI Redundancy
When an IFM occupancy is coded…
Construction Quality IFM Structure Condition

Mech /Elec Equipment - Ground Level IFM Outdoor Machinery/Equipment Bracing
IFM Vertical Exposure Distribution
IFM Site Hazard

Sample Sample 0 Option 0 Sample 2 Sample 2 1 Option 1
1 Option 1 2 Option 2
 This guide refers to all remaining slides

 To simplify the table, vertical arrows are used to indicate repeated text. The text in
the above row is identical to that of the row below until the arrow stops.
– This has been done in an effort to simplify the text. If the arrow stops, then the remaining
modifiers/options are retired or not applicable.
 Every row corresponds to a 1:1 mapping with additional modifiers to be considered
where noted.
 If an individual option is noted to be retired while the modifier is not, the mapping
defaults to “0” or “unknown” for this particular field which will impact potential losses
– Example: For the Frame-Foundation Connection (formerly Foundation System) modifier, the
option “Non-Engineered” is being retired.
̶ In v9.0/10.0, this coding made a building more vulnerable. In v11.0, retiring “Non-
Engineered” and re-setting this option to unknown, makes the building less vulnerable,
resulting in less damage and loss (this does not account for potential change in hazard
or underlying vulnerability curves).
 Some modifiers are being retired and implicitly modeled in base
vulnerability curves
– Roof Framing Type, Mech. / Elec. Equipment – Side of Building, Flood
Missiles, and Flood Protection
 Some modifiers are being retired and explicitly combined with other
modifiers
– Roof Maintenance, Roof Parapets, Resistance – Doors, and Wind
Missiles
 For most modifiers, they are being renamed for clarity
– For example, Mech./Elec. Equipment – Roof will now be Roof Equipment
Hurricane Bracing
 For most modifiers, new options are being added or clarified
– For an example of a new option, for the Cladding Type modifier, a new
option is “Vinyl siding / hardboard”
– For an example of a clarification, for the Roof Geometry modifier, one
option is changing from “Braced Gable – High Pitch (WS only)” to “Braced
gable roof with slope greater than 6:12 (26.5 degrees)”

EDM EDM
Modifier Option Modifier Option
FIELD Description FIELD Description
Name Code Name Code
Name Name
CONSTQUALI Construction Quality 0 Unknown CONSTQUALI Construction Quality 0 Unknown
Certified design & Certified design &
1 9
construction construction
2 Certificate of occupancy Retire Retire
No design
3 Retire Retire
review/inspection
Obvious signs of Obvious signs of

4 1
duress/distress deterioration or distress
Fortified for safer
5 IBHS "Fortified" Program 8 buildings – [Post 2001]
(US Only)
Fortified for existing
- Not Available in 9.0 2 homes, Bronze, Option 1
(US Only)
- Not Available in 9.0 3 homes, Bronze, Option 2
(US Only)
- Not Available in 9.0 4 homes, Silver, Option 1
(US Only)
- Not Available in 9.0 5 homes, Silver, Option 2
(US Only)
- Not Available in 9.0 6 homes, Gold , Option 1
(US Only)
© 2010 Risk Management Solutions, Inc. - Not Available in 9.0CONFIDENTIAL 7 homes, Gold , Option 10 2
EDM EDM
Name Code Name Code
Name Name
Roof Framing RETIRED

ROOFFRAME 0 Unknown Retire Retire Retire
Type MODIFIER
Poured/cast in-place
1 Retire Retire
concrete
2 Precast concrete Retire Retire
3 Heavy steel frames Retire Retire
Light gauge steel

4 Retire Retire
purlins
5 Wood purlins Retire Retire
 The roof framing can be inferred from the construction class and number
of stories (i.e. a wood-frame building typically has a certain type of roof
framing and similarly for masonry and concrete or steel buildings). So this
information is at best redundant and at worst a source of conflict (e.g.,
mixing incompatible roof types and construction classes). Additionally, the
performance of the roof sheathing and covering (i.e. the actual envelope
rather than its framing) plays a much more important role in dictating the
severity of the damage to a building. For these reasons, RMS is retiring
this particular modifier.
EDM EDM
Name Code Name Code
Name Name
ROOFSYS Roof Covering 0 Unknown ROOFSYS Roof Covering 0 Unknown
1 Concrete fill Retire Retire
Metal sheathing with

2 Metal sheathing 2
CONCEALED fasteners
Built-up roof or single ply

3 Single ply membrane 4 membrane roof WITHOUT
the presence of gutters

4 Built-up roof 4 membrane roof WITHOUT
the presence of gutters
5 Normal shingle (55 mph) 7 Normal shingle (55 mph)
6 Concrete/clay tiles 5 Concrete/clay tiles
7 Wood shingle 6 Wood shakes

Rated shingle (110 mph) Shingle rated for high wind
8 9
(WS only) speeds (110 mph)
Shingle rated for high wind
Rated shingle (110 mph) speeds (110 mph) with
9 10
with SWR (WS only) secondary water resistance
(SWR )
Metal sheathing with
- Not Available in 9.0 1
EXPOSED fasteners

- Not Available in 9.0 3 membrane roof WITH the
presence of gutters
Normal shingle (55 mph)

© 2010 Risk Management Solutions, Inc. - Not Available in 9.0 CONFIDENTIAL 8 with secondary water 12
resistance (SWR)
Slide 1 of 2 for Roof Age / Condition
EDM EDM
Name Code Name Code
Name Name
Roof Age /
ROOFAGE Roof Age 0 Unknown ROOFAGE 0 Unknown
Condition
1 0-5 years 1 0-5 years
2 6-10 years 2 6-10 years
3 10 years or more 3 11 years or more
Obvious signs of
- Not Available in 9.0 4 deterioration or
distress
 The Roof Age modifier is now

combined with the modifier Roof
Maintenance to form the new Roof
Age/Condition. Please see next slide
for reasoning.

Slide 2 of 2 for Roof Age / Condition
EDM EDM
Name Code Name Code
Name Name
RETIRED
ROOFMAINT Roof Maintenance 0 Unknown Retire Retire Retire
MODIFIER
Building maintenance
1 Retire Retire
enforced
No building
2 Retire Retire
maintenance
 The Roof Maintenance modifier is now being retired. It was found that this
modifier was not adequately capturing the condition of the roof, which is
more critical to a building’s vulnerability assessment compared to whether
or not there is building maintenance performed.
 In order to capture this information, the roof condition should be

reassessed and recaptured and used in the new Roof Age / Condition
modifier. The new “obvious signs of deterioration or distress option”
should supersede any roof age information.

Slide 1 of 2 for Roof Geometry
EDM Other Modifier EDM
FIELD and Option Description FIELD Description
Name Code Name Code
Name Code Name
ROOFGEOM Roof Geometry 0 Unknown ROOFGEOM Roof Geometry 0 Unknown
Gable roof with slope

Gable roof high pitch
1 6 greater than 6:12 (26.5
(>30º)
degrees)
Hip roof with slope less
2 Hip roof 3 than or equal to 6:12
(26.5 degrees)
Gable roof unknown
3 5 less than or equal to
pitch
6:12 (26.5 degrees)
Flat roof and the Flat roof WITH
4 Roof Parapets: 1 1
presence of parapets parapets
Flat roof and Flat roof WITHOUT

4 Roof Parapets: 0 or 2 2
unknown/no parapets parapets
Gable roof low pitch
(<10º)
6:12 (26.5 degrees)
Gable roof medium
pitch (10º to 30º)
6:12 (26.5 degrees)
7 Monoslope roof Retire Retire
Braced gable – medium Braced gable roof with

8 or unknown pitch (WS 7 slope less than or equal
only) to 6:12 (26.5 degrees)
Braced gable roof with
Braced gable – high
9 8 slope greater than 6:12
pitch (WS only)
(26.5 degrees)
Hip roof with slope
- Not Available in 9.0 4 greater than 6:12 (26.5
© 2010 Risk Management Solutions, Inc. CONFIDENTIAL degrees) 15
Slide 2 of 2 for Roof Geometry
Other
EDM
EDM FIELD Modifier Option Modifier Modifier Option
Description FIELD Code
Description
Name Name Code and Option Name
Name
Code
Retire
Retire (Mapped Retire (Mapped to
Roof RETIRED (Mapped to
ROOFPARAPT See Below See Below See Below to 11.0 Roof 11.0 Roof
Parapets MODIFIER 11.0 Roof
Geometry) Geometry)
Geometry)
Roof Roof Geometry: Unknown and flat Flat roof WITHOUT

ROOFPARAPT 0 ROOFGEOM Roof Geometry 2
Parapets 4 roof parapets
Presence of
Roof Geometry: Flat roof WITH
1 parapets and flat 1
4 parapets
roof
Roof Geometry: No parapets and flat Flat roof WITHOUT
2 2
4 roof parapets
0 Unknown Retire Retire

Presence of
1 Retire Retire
parapets
2 No parapets Retire Retire
 This Roof Parapets modifier is being retired and combined with the Roof
Geometry secondary modifier. If the roof geometry of a building is flat, then
whether parapets are present determines the option for Roof Geometry.
 If the roof geometry is NOT flat, then this modifier is simply retired since it
physically does not make sense to have parapets for non-flat roofs.
EDM EDM
Name Code Name Code
Name Name
ROOFANCH Roof Anchor 0 Unknown ROOFANCH Roof Anchor 0 Unknown
Metal or bolt anchors
1 4 Double wraps
(high strength)
Toe nailing / no
2 Toe nailing 1
anchorage
Toe nailing / no
3 No anchorage 1
anchorage
4 2 Clips
(average strength)
5 (above average 3 Single wraps
strength) (WS only)
- Not Available in 9.0 5 Structural

EDM EDM
Name Code Name Code
Name Name
Mech./Elec. Roof Equipment
ROOFEQUIP 0 Unknown ROOFEQUIP 0 Unknown
Equipment - Roof Hurricane Bracing
No equipment and/or
1 Retire Retire
no skylights
Equipment securely Properly installed with
2 1
anchored to roof adequate anchorage
Small roof area w/ Obvious signs of
3 poorly anchored 2 deficiencies in the
Equipment installation
Substantial roof area
4 Retire Retire
covered

EDM EDM
Name Code Name Code
Name Name
Commercial
External
EXTORN 0 Unknown EXTORN Appurtenant 0 Unknown
Ornamentation
Structures
1 Little ornamentation Retire Retire
Average amount of
2 Retire Retire
ornamentation
Extensive
3 Heavy ornamentation 2
ornamentation
- Not Available in 9.0 1 Large signs
 The Commercial Appurtenant Structures modifier only applies to

commercial occupancy types.

EDM EDM
Name Code Name Code
Name Name
Residential
Architectural
ARCHITECT 0 Unknown ARCHITECT Appurtenant 0 Unknown
Elements
structures
1 None 1 None
Canopies, roof
2 2 Fences/carport
overhangs, carports
Screen
- Not Available in 9.0 3 enclosure/lanai (>15%
of bldg. value)
Screen
- Not Available in 9.0 4 enclosure/lanai (<15%
of bldg. value)
3 Skylights RESISTOPEN Opening Protection 0 Unknown
4 Skylights with covers 0 Unknown
 The Residential Appurtenant Structures modifier only applies to residential

occupancy types.
 Performance of skylights is now captured as part of the Opening
Protection modifier. Please see the Opening Protection modifier on the
next two slides for more information.
Slide 1 of 3 for Opening Protection

Name Code Name Code
Name Code Name
Wind
Opening
RESISTOPEN Resistance - 0 Unknown RESISTOPEN 0 Unknown
Protection
Windows
Engineered shutters and
Resistance – Doors are All openings designed
1 Resistance – Doors: 1 1
designed for wind pressure for large missiles
& impact resistance
All glazed openings

1 All others Engineered shutters 4 designed for large
missiles
All glazed openings

covered with
2 Simple plywood shutter 7
plywood/oriented
strand board (OSB)
Jalousie or awning
3 Retire Retire
windows (TO only)
Casement windows (TO

4 Retire Retire
only)
No glazed exterior
5 No shutter 9 openings have wind-
borne debris protection
Well-designed plywood
shutters and Resistance –
All openings designed
6 Resistance – Doors: 1 Doors are designed for 3
for small missiles
wind pressure & impact
resistance
All glazed openings

Well-designed plywood
6 All others 6 designed for small
© 2010 Risk Management Solutions, Inc. shutterCONFIDENTIAL 21
missiles
Name Code Name Code
Name Code Name
Wind No glazed exterior
Laminated glass (non- Opening
RESISTOPEN Resistance - 7 RESISTOPEN 9 openings have wind-
impact rated) (WS only) Protection
Windows borne debris protection
Impact resistant glass (WS
only) and Resistance –
Doors All openings designed
are designed for wind for large missiles
pressure & impact
resistance
All glazed openings
Impact resistant glass (WS
8 All others 4 designed for large
only)
missiles
Shutter designed for
pressure only (WS only)
and Resistance – Doors All openings designed
are designed for wind for medium missiles
pressure & impact
resistance
All glazed openings
Shutter designed for
9 All others 5 designed for medium
missiles
At least one glazed
exterior opening does
not have wind-borne
debris protection
 RMS’s claims investigations and third party publications suggest that the “weakest link” plays the key role in the performance of
opening protections. The performance of a building during a hurricane is directly related to the integrity of its external envelope.
The weak link, whether it be an unprotected door , window, or skylight will dictate the amount of damage sustained by a building.
By combining the Wind Resistance – Windows and Resistance – Doors modifiers into a single Opening Protection modifier, the
model can better account for the interaction between the protection to the various types of openings in a building’s envelope.
Therefore, RMS has combined modifiers corresponding to windows, doors, and skylights as the Opening Protection modifier.
RMS’s changes are consistent with Florida’s “Uniform Mitigation Verification Inspection Form”, form OIR-B1-1802 (Rev. 02/10)
adopted by Rule 69O-170.0155, and targets the weakest form of wind borne debris protection installed on the structure. Please
note that skylights are captured as part of options 1 and 2.

Name Code Name Code
Name Code Name
Retire
Retire (Mapped to (Mapped to
Retire (Mapped to 11.0
Resistance – RETIRED 11.0 Opening 11.0 Opening
RESISTDOOR See below See below See below Opening Protection
Doors MODIFIER Protection where Protection
where applicable)
applicable) where
applicable)
Resistance –
RESISTDOOR 0 Unknown Retire Retire
Doors
Designed for wind
pressure & impact
resistance and Wind
Wind Resistance – Opening All openings designed
1 Resistance – Windows are RESISTOPEN 1
Windows: 1 or 8 Protection for large missiles
engineered shutters or
impact resistant glass (WS
only)
Designed for wind
pressure & impact
Wind Resistance – resistance and Wind All openings designed
1 3
Windows: 6 Resistance – Windows are for small missiles
well designed ply-wood
shutters
Designed for wind
pressure & impact
Wind Resistance – resistance and Wind All openings designed
1 2
Windows: 9 Resistance – Windows are for medium missiles
shutters designed for
Designed for wind
1 All others pressure & impact Retire Retire
resistance
Designed for wind
2 Retire Retire
pressure only
Not designed for wind
3 Retire Retire
protection 23
4 No door (TO only) Retire Retire
Slide 1 of 3 for Cladding Type

Name Code Name Code
Name Code Name
CLADSYS Cladding Type 0 Unknown CLADSYS Cladding Type 0 Unknown
Reinforced masonry /
1 Retire Retire
concrete
2 Unreinforced masonry Retire Retire
3 Brick veneer 1 Brick veneer
4 Metal sheathing 2 Metal sheathing
5 Wood 3 Wood
6 EIFS 4 EIFS / stucco
Laminated glass and

7 Wind Missiles: 1 there are no wind 5 Designed for impact
missiles
Laminated glass and
Not designed for
there are small airborne
impact WITH gravel
missiles/gravel etc,
7 Wind Missiles: 2, 4, or 5 6 rooftop on building or
gravel ballast is present,
adjacent buildings
or there is potential
within 1000 ft.
severe missile exposure

Name Code Name Code
Name Code Name
CLADSYS Cladding Type 7 All others Laminated glass CLADSYS Cladding Type 5 Designed for impact
Not designed for

impact WITHOUT
Non-protected glass and
gravel rooftop on
8 Wind Missiles: 1 there are no wind 7
building or adjacent
missiles
buildings within 1000
ft.
Non-protected glass and
Not designed for
there are small airborne
impact WITH gravel
missiles/gravel etc,
8 Wind Missiles: 2, 4, or 5 6 rooftop on building or
gravel ballast is present,
adjacent buildings
or there is potential
within 1000 ft.
severe missile exposure
Not designed for
impact WITHOUT
gravel rooftop on
8 All others Non-protected glass 7
buildings within 1000
ft.
Vinyl siding /
hardboard
 Damage investigations from recent hurricanes suggest that the presence of air-borne debris
combined with certain types of claddings can cause significant damage. For example, when the
cladding is predominantly glass in a location where loose material, such as gravel, is present,
damage can be severe. Therefore, RMS has decided to combine the Wind Missile modifier and the
Cladding Type modifier.
Name Code Name Code
Name Code Name
Retire
Retire (Mapped to
(Mapped to Retire (Mapped to 11.0
RETIRED 11.0 Cladding
WINDMISSL Wind Missiles See below See below See below 11.0 Cladding Cladding Type where
MODIFIER Type where
Type where applicable)
applicable)
applicable)
WINDMISSL Wind Missiles 0 Unknown Retire Retire

None and cladding type is
1 Cladding Type: 7 CLADSYS Cladding Type 5 Designed for impact
laminated glass
Not designed for
impact WITHOUT
None and cladding type is
1 Cladding Type: 8 7 gravel rooftop on
non-protected glass
buildings within 1000 ft.
1 All others None Retire Retire
Small airborne Not designed for
missiles/gravel etc. and impact WITH gravel
2 Cladding Type: 7 or 8 cladding type is laminated 6 rooftop on building or
glass or non-protected adjacent buildings
glass within 1000 ft.
Small airborne
2 All others Retire Retire
missiles/gravel etc
3 Protective foliage Retire Retire
Not designed for
Gravel ballast present and
impact WITH gravel
cladding type is laminated
4 Cladding Type: 7 or 8 6 rooftop on building or
glass or non-protected
adjacent buildings
glass
within 1000 ft.
4 All others Gravel ballast present Retire Retire
Not designed for
Potential severe missile
impact WITH gravel
exposure and cladding
5 Cladding Type: 7 or 8 6 rooftop on building or
type is laminated glass or
adjacent buildings
non-protected glass
within 1000 ft.
Potential severe missile
5 All others Retire Retire
exposure 26
6 Isolated large trees Retire Retire
EDM EDM
Name Code Name Code
Name Name
Roof Sheathing Roof Sheathing
CLADRATE 0 Unknown CLADRATE 0 Unknown
Attachment Attachment
Designed for extreme
1 Retire Retire
wind loading (TO only)
Product evaluation
2 Retire Retire
report (TO only)
Not specifically designed
3 for extreme wind loading Retire Retire
(TO only)
6d nails unknown nailing 6d nails – any nail
4 2
schedule (WS only) schedule
6d nails minimum nailing 6d nails – any nail

5 2
6d nails high wind
6d nails – any nail
6 nailing schedule (WS 2
schedule
only)
8d nails unknown nailing 8d Nails – minimum nail

7 3
8d nails minimum nailing 8d Nails – minimum nail

8 3
8d nails high wind

8d Nails – high wind nail
9 nailing schedule (WS 4
schedule
only)
10d nails or screws (WS 10d Nails – high wind
10 5
only) nail schedule
Batten decking / skipped
sheathing
Dimensional lumber /
tongue and groove
- Not Available in 9.0CONFIDENTIAL 6
© 2010 Risk Management Solutions, Inc. decking with a minimum
27
of 2 nails per board
EDM EDM
Name Code Name Code
Name Name
Foundation Frame-Foundation
FOUNDSYS 0 Unknown FOUNDSYS 0 Unknown
System Connection
1 Engineered 1 Bolted
2 Non-engineered Retire Retire
Poor wall to
3 2 Unbolted
foundation anchorage
4 No foundation 2 Unbolted

EDM EDM
Name Code Name Code
Name Name
Mech./Elec.
RETIRED
MECHSIDE Equipment - Side 0 Unknown Retire Retire Retire
MODIFIER
of Building
1 None Retire Retire
2 Generally braced Retire Retire
3 Generally non-braced Retire Retire
 RMS’s damage investigations following hurricanes suggest that the key

drivers of the damage are roof top equipment and not equipment on the side
of a building. It was found that the impact of this modifier on the expected
losses is minimal relative to other secondary modifiers. Based on this, RMS
has retired the Mech/Elec Equipment – Side of Building modifier.

EDM EDM
Name Number Name Number
Name Name
Basement with
BASEMENT Basement 0 unknown flood BASEMENT Basement 0 Unknown
protection
1 No basement 1 No basement
Basement with flood Basement WITH flood
2 2
protection protection
Basement without Basement WITHOUT
3 3
flood protection flood protection
(Would map to
Basement: 0 –
Basement with
Basement with
- 4 unknown flood
unknown flood
protection
protection if
downgrading EDM)

EDM FIELD Modifier Option EDM FIELD Modifier Option
Description Description
Name Name Number Name Name Number
Mech./Elec.
Ground Level
MECHGROUND Equipment - 0 Unknown MECHGROUND 0 Unknown
Equipment
Ground Level
1 None 1 None
2 Generally protected 2 Generally protected
3 Generally unprotected 3 Generally unprotected

EDM EDM
Name Name
RETIRED
FLOODMISSL Flood Missiles 0 Unknown Retire Retire Retire
MODIFIER
2 Flood carried missiles Retire Retire
 The Flood Missiles modifier has been retired because flood missiles are
almost always present during storm surge and it is impossible to identify
those locations that will not be subjected to flood missiles before a storm.

EDM EDM
Name Name
RETIRED
FLOODPROT Flood Protection 0 Unknown Retire Retire Retire
MODIFIER
1 Yes Retire Retire
 The Flood Protection modifier has been retired because flood

defenses can be specified explicitly within the property (loc) table in
the 2011 release.

EDM
Modifier Option EDM FIELD Modifier Option
FIELD Description Description
Name Code Name Name Code
Name
See Note
PCNTCOMPLT Percent Complete 0 Unknown PCNTCOMPLT Percent Complete See Note Below
Below
1 Completed
2 80-100% Complete
3 50-80% Complete
4 <50% Complete
 The Percent Complete modifier has been revised and is now similar to other peril
models. In version 11.0, the percent complete field only impacts the exposure and is
retired as a secondary modifier. Clients can still use this feature, but it should NOT be
considered a secondary modifier.
 If the building is in the course of construction (COC), enter the percent of the building
that is finished. The percentage in this field is not used to adjust the vulnerability curves
for incomplete construction. The exposure is simply reduced in proportion to the
percentage entered, and the original vulnerability curve is used. Note that
RiskLink/RiskBrowser does NOT update this number over time. If no value is supplied, a
default value of 100% is used.
Name Name Code Name Name Code
 EDMYearField
YEARUPGRAD Upgrade
Name:
xxxx
YEARUPGRAD
xxxx YEARUPGRAD Year Upgrade xxxx xxxx
 The Year Upgrade modifier remains consistent between v9.0/10.0

and v11.0
 This field should be populated for any commercial, industrial, or
multi-family dwelling property where a major upgrade has been
performed.
– The type of upgrade required would be bring a building to the current
building code standards or significantly reduce hurricane risk.
 For SFD, the recommendation is to only populate the construction
quality modifier. If this is unknown, then update year upgrade if
this information is available.
– This upgrade should only include updates that significantly enhance a
building’s performance against hurricanes.
 New 11.0 Secondary Modifier
EDM FIELD Modifier Option
Description
Name Name Code
Flashing and
FLASHING 0 Unknown
Coping Quality Coping
1 Compliant with ES1
Flashing
Not compliant with
2
ES1
 Flashing refers to thin continuous pieces of sheet metal or other water-impervious material that
are installed to prevent the passage of water into a structure at locations where there is an
abrupt change in the roof geometry. For example, it is placed around the base of discontinuities
or objects that protrude from the roof of a building, such as mechanical openings and parapets,
to deflect water away from the construction joints at these locations.
 Coping refers to thin continuous pieces of sheet metal or other water-impervious material that act
as a cap on top of parapets and roof ridges to prevent water from entering a structure through
the construction joints at these locations.
Flashing
 These modifiers, Contents Vulnerability due to Wind and
Contents Vulnerability due to Water, are being retired as
they are better represented with the Content Grade modifier,
which is stored outside the HUdet table in the loccvg table
 During the upgrade to v11, both contents vulnerability
modifiers will be mapped to the overall location’s Content
Grade modifier, over-writing any information already stored
in the loccvg table for content grade for hurricane.
– Contents damageability grade has been able to be entered for
hurricane as well as earthquake prior to now, but up to 2011
has not impacted results for hurricane.
– Based on additional claims analysis and the decision to now
use this modifier, starting in v11, this will now impact loss
results.

Slide 1 of 3 for Content Grade
EDM EDM
Modifier Option Other Modifier Modifier Option
Name Code and Option Code Name Code
Name Name
Retire (Mapped to Retire (Mapped
Contents Retire (Mapped to 11.0
RETIRED 11.0 Content to 11.0 Content
VULNWIND Vulnerability See Below See Below See Below Content Grade located in
MODIFIER Grade located in Grade located in
Due To Wind loccvg table)
loccvg table) loccvg table)
Contents Unknown vulnerability

Contents Vulnerability Due to Damageable (e.g., general
VULNWIND Vulnerability 0 due to both wind and COVGMOD Content Grade 3
Water: 0 office furniture)
Due To Wind water
Slightly damageable (e.g.,
Unknown vulnerability highly protected contents,
Contents Vulnerability Due to due to wind and low such as jewelry and fine art,
0 4
Water: 1 vulnerability due to or contents composed of
water water tolerant material,
such as stone or rubber)
Unknown vulnerability
Contents Vulnerability Due to due to wind and average Damageable (e.g., general
0 3
Water: 2 vulnerability due to office furniture)
water
Contents Vulnerability Due to due to wind and high Moderately damageable
0 2
Water: 3 vulnerability due to (e.g., computers)
water
Highly damageable (e.g.,
unprotected contents made
of materials that are highly
susceptible to wind and/or
Contents Vulnerability Due to due to wind and very
0 1 water damage (such as
Water: 4 high vulnerability due to
paper-based products), or
water
extended power outages
(such as contents that
require refrigeration))
highly protected contents,
Low vulnerability due to such as jewelry and fine art,
1 4
wind or contents composed of
water tolerant material,
such as stone or rubber)
EDM EDM
Name Name
Contents
Average vulnerability Damageable (e.g., general
VULNWIND Vulnerability 2 COVGMOD Content Grade 3
due to wind office furniture)
Due To Wind
High vulnerability due to Moderately damageable
3 2
wind (e.g., computers)
unprotected contents made
of materials that are highly
susceptible to wind and/or
Very High vulnerability
4 1 water damage (such as
due to wind
paper-based products), or
extended power outages
(such as contents that
 In the hurricane model, RMS’s recommendation for fine art is to code it as

“slightly damageable”. This is because fine art is usually put into a
protected place out of harm’s way as a storm approaches.

EDM EDM
Name Name
Retire (Mapped to Retire (Mapped
Contents Retire (Mapped to 11.0
RETIRED 11.0 Content Grade to 11.0 Content
VULNFLOOD Vulnerability See Below See Below See Below Content Grade located in
MODIFIER located in loccvg Grade located
Due To Water loccvg table)
table) in loccvg table)
Contents
Contents Vulnerability Due Unknown vulnerability due Damageable (e.g., general
VULNFLOOD Vulnerability 0 COVGMOD Content Grade 3
to Wind: 0 to both water and wind office furniture)
Due To Water
Low vulnerability due to highly protected contents, such
Contents Vulnerability Due as jewelry and fine art, or
1 water and unknown 4
to Wind: 0 contents composed of water
vulnerability due to wind tolerant material, such as stone
or rubber)
Average vulnerability due
Contents Vulnerability Due Damageable (e.g., general
2 to water and unknown 3
to Wind: 0 office furniture)
vulnerability due to wind
High vulnerability due to
Contents Vulnerability Due Moderately damageable (e.g.,
3 water and unknown 2
to Wind: 0 computers)
vulnerability due to wind
unprotected contents made of
Very high vulnerability due materials that are highly
Contents Vulnerability Due susceptible to wind and/or water
4 to water and unknown 1
to Wind: 0 damage (such as paper-based
vulnerability due to wind products), or extended power
outages (such as contents that
Low vulnerability due to
1 Retire Retire
water
Average vulnerability due
2 Retire Retire
to water
High vulnerability due to
3 Retire Retire
water
Very High vulnerability
4 Retire Retire
due to water
© 2010
Since ContentsSolutions,
Risk Management Vulnerability
Inc. due to Wind supersedes Contents Vulnerability due to Water, any option coded for Contents
CONFIDENTIAL 40
Vulnerability due to Water will only be mapped to contents grade if Contents Vulnerability due to Wind is unknown.
 BI secondary modifiers are located in the BIdet table
 There are no changes in regards to the mappings of these
modifiers

PREPAREDNESS BI Preparedness 0 Unknown PREPAREDNESS BI Preparedness 0 Unknown
1 Poor 1 Poor
2 Average 2 Average
3 Good 3 Good

REDUNDANCY BI Redundancy 0 Unknown REDUNDANCY BI Redundancy 0 Unknown
1 Minimal 1 Minimal
2 Average 2 Average
3 Extensive 3 Extensive

 If the occupancy coded for a location is IFM (RMS IND),
then certain modifiers will be mapped differently / to a new
modifier
New mappings for existing modifiers
– Structure Condition (formerly Construction Quality)
– Outdoor Machinery/Equipment Bracing (formerly
Mech/Elec Equipment – Ground Level)
 New IFM secondary modifiers
– Vertical Exposure Distribution
– Site Hazard

EDM
FIELD Description EDM FIELD Name Description
Name Code Name Code
Name
Construction IFM Structure
CONSTQUALI 0 Unknown IFMSTRUCTCONDITION 0 Unknown
Quality Condition
Certified Design &
1 4 Excellent
Construction
Certificate of
2 3 Good
Occupancy
No Design
3 2 Average
Review/Inspection
Obvious Signs of
4 1 Poor
Duress/Distress
 For the IFM occupancies, the Construction Quality

secondary modifier has become a hybrid modifier to capture
overall maintenance and construction/design quality.

Name Name Code Name Name Code
Mech./Elec. IFM Outdoor

MECHGROUND Equipment - 0 Unknown IFMEQUIPBRACING Machinery/ 0 Unknown
Ground Level Equipment Bracing
1 None 1 No/poor bracing
2 Generally Protected 2 Superior bracing
Generally
3 1 No/poor bracing
Unprotected
 It was found through claims and research that what was

important for the IFM Outdoor Machinery/Equipment Bracing
modifier is how well equipment is braced and that the
difference between poor bracing and no bracing is minimal.

EDM FIELD Name Modifier Name Option Code Description
IFM Vertical Exposure

IFMVERTICALEXPDIST 0 Unknown
Distribution
Basement level with more than
1
10% of contents value
Grade level with more than 50%
2
of contents value
Elevated contents < 50%
3
contents value at grade level
Elevated contents <5% contents
4
value at grade level
 This new modifier, IFM Vertical Exposure Distribution, will impact the surge
contents vulnerability curve and will allow users to specify how much exposure is
at a basement or grade level and therefore how much contents exposure is
realistically vulnerable to surge flood levels
 This is a surge only modifier and will not impact wind losses

EDM FIELD Modifier Option
Description
Name Name Code
IFMMISSILEEXP IFM Site Hazard 0 Unknown

Severe missile
1
exposure
 This new modifier, IFM Site Hazard, allows the user to

capture whether or not there are airborne/wind missiles or
other environmental hazards in the area that could pose a
threat to the industrial facility
 This is a wind only modifier and will not impact surge losses

Pdfstreamer

Încărcat de

Informații document

Descriere originală:

Titlu original

Drepturi de autor

Formate disponibile

Partajați acest document

Partajați sau inserați document

Opțiuni de partajare

Vi se pare util acest document?

Este necorespunzător acest conținut?

Drepturi de autor:

Formate disponibile

Pdfstreamer

Încărcat de

Drepturi de autor:

Formate disponibile

This document details the changes in secondary modifiers and

the way secondary modifiers are mapped in v11.0. The

Modifier 1 Modifier 1 Name Change

Modifiers being combined

Modifiers being retired

© 2010 Risk Management Solutions, Inc. CONFIDENTIAL 4

Construction Quality Construction Quality

When an IFM occupancy is coded…

Construction Quality IFM Structure Condition

© 2010 Risk Management Solutions, Inc. CONFIDENTIAL 6

Sample Sample 0 Option 0 Sample 2 Sample 2 1 Option 1

 This guide refers to all remaining slides

© 2010 Risk Management Solutions, Inc. CONFIDENTIAL 9

Obvious signs of Obvious signs of

Roof Framing RETIRED

2 Precast concrete Retire Retire

3 Heavy steel frames Retire Retire

Light gauge steel

5 Wood purlins Retire Retire

1 Concrete fill Retire Retire

Metal sheathing with

Built-up roof or single ply

Built-up roof or single ply

5 Normal shingle (55 mph) 7 Normal shingle (55 mph)

6 Concrete/clay tiles 5 Concrete/clay tiles

7 Wood shingle 6 Wood shakes

Built-up roof or single ply

Normal shingle (55 mph)

1 0-5 years 1 0-5 years

2 6-10 years 2 6-10 years

3 10 years or more 3 11 years or more

 The Roof Age modifier is now

© 2010 Risk Management Solutions, Inc. CONFIDENTIAL 13

 In order to capture this information, the roof condition should be

© 2010 Risk Management Solutions, Inc. CONFIDENTIAL 14

ROOFGEOM Roof Geometry 0 Unknown ROOFGEOM Roof Geometry 0 Unknown

Gable roof with slope

Flat roof and Flat roof WITHOUT

7 Monoslope roof Retire Retire

Braced gable – medium Braced gable roof with

Roof Roof Geometry: Unknown and flat Flat roof WITHOUT

0 Unknown Retire Retire

- Not Available in 9.0 5 Structural

© 2010 Risk Management Solutions, Inc. CONFIDENTIAL 17

© 2010 Risk Management Solutions, Inc. CONFIDENTIAL 18

- Not Available in 9.0 1 Large signs

 The Commercial Appurtenant Structures modifier only applies to

© 2010 Risk Management Solutions, Inc. CONFIDENTIAL 19

3 Skylights RESISTOPEN Opening Protection 0 Unknown

4 Skylights with covers 0 Unknown

 The Residential Appurtenant Structures modifier only applies to residential

EDM Other Modifier EDM

All glazed openings

All glazed openings

Casement windows (TO

All glazed openings

EDM Other Modifier EDM

EDM Other Modifier EDM

CLADSYS Cladding Type 0 Unknown CLADSYS Cladding Type 0 Unknown

2 Unreinforced masonry Retire Retire

3 Brick veneer 1 Brick veneer

4 Metal sheathing 2 Metal sheathing