Re: Notification of RMS RiskLink 11.0.SP1 Submission Revision Postcode-county relationship

Transcription

1 Risk Management Solutions, Inc Gateway Boulevard Newark California tel fax Sept ember 2, 2011 Chair, Florida Commission on Hurricane Loss Projection Methodology State Board of Administration 1801 Hermitage Boulevard, Suite 100 Tallahassee, FL Re: Notification of RMS RiskLink 11.0.SP1 Submission Revision Postcode-county relationship Dear Chair: In accordance with the procedures outlined in Section IV.E: Discovery of Errors and/or Changes to a Model after the Model has been Determined to be Acceptable by the Commission on page 50 of the 2009 report of activities, RMS wishes to notify the Commission of the following revision to the RMS North Atlantic Hurricane Model, RiskLink 11.0.SP1 model submission. While preparing for the upcoming professional team review of the incidents reported in our August 12, 2011 letter related to RiskLink 11.0.SP2, RMS staff detected an issue whereby the relationship between 13 postal codes and associated counties used in preparing Form A6 were inconsistent with the shipped software (and also the associated postal code-county relationship found in the FHCF dataset). The postal code-county mapping in the shipped software is correct, and therefore the data in Form A6/A7/A8 needs to be corrected to coincide with the shipped model software. This issue does not affect the modeled losses at these individual postal codes, but only affects how results are aggregated up into county level summaries in Form A6, A7 and A8. The postal codes affected are shown in the following table: Post Code Mapped county in Form A6 Mapped county in shipped software Code County Code County LAFAYETTE 121 SUWANNEE FRANKLIN 129 WAKULLA DIXIE 123 TAYLOR ESCAMBIA 113 SANTA ROSA SANTA ROSA 91 OKALOOSA

2 ALACHUA 107 PUTNAM ORANGE 69 LAKE SEMINOLE 95 ORANGE MARTIN 99 PALM BEACH MANATEE 49 HARDEE OSCEOLA 105 POLK SARASOTA 15 CHARLOTTE GLADES 93 OKEECHOBEE Our initial research into the magnitude of the changes suggests that selected high, low, or weighted loss costs in Form A6 may change by +/ ($/$1000), and no changes occur in the statewide summaries in these forms or anywhere else in the submission. Because this is not an issue with the shipped software, clients using the software since the model approval in June 2011 are not affected by this incident. As such, clients have not been notified of this issue at this time. RMS will prepare updated versions of the affected forms in the next two weeks and forward those to the commission. In addition, at the discretion of the commission, RMS can be prepared to describe the details of this incident to the professional team during the currently scheduled meeting on Sept 20, 2011, and the subsequent commission meeting on Sept 21/22. Sincerely, Michael Young Senior Director of Mitigation and Regulatory Affairs Risk Management Solutions, Inc. Telephone: (510) Fax: (510)

3 Risk Management Solutions, Inc Gateway Boulevard Newark California tel fax Sept ember 9, 2011 Chair, Florida Commission on Hurricane Loss Projection Methodology State Board of Administration 1801 Hermitage Boulevard, Suite 100 Tallahassee, FL Re: Supporting material for Postcode-county relationship issue in 11.0.SP1 This letter provides details related to the incident reported in RMS letter to the commission dated Sept ember 2, 2011 Re: Notification of RMS RiskLink 11.0.SP1 Submission Revision Postcode-county relationship. Problem statement While preparing to respond to the questions from the professional team related to RiskLink 11.SP2 1, RMS staff detected an issue whereby the relationship between 13 postal codes and associated counties used in preparing Form A6, and its associated forms were inconsistent with the shipped software (and also inconsistent with the postal code-county relationship found in the FHCF exposure dataset). Root cause of problem Postal Code boundaries established by the US Postal Service are set up so that they may cross county administration boundaries. Therefore, there can be a many-to-one relationship between a given postal code and associated counties. In RiskLink, a primary county is assigned to each postal code based on population densities. In preparing the exposure set used to populate Forms A6/A7/A8, imported data must be geocoded, and during this process a primary county is assigned to each record based on a pre-defined postal code-county mapping table called uspost. For this submission, the exposure data set was geocoded using Build Simultaneously, the RMS geocoding team was conducting QA tests and noted discrepancies between the assigned primary county and where the peak population occurred within these 13 zip codes. Thus, the primary county assigned to 13 postal codes were updated and introduced into the uspost table in the geocoding database in Build In preparing for the submission to the FCHLPM, the forms were analyzed using Build 1404, however the RMS regulatory team failed to re-geocode the exposure set, not realizing that the uspost table had been updated. The implication of this error is that the county assigned to some of the records in the exposure set is not consistent with the updated uspost table. This does not affect any of the loss costs compiled for an individual postal code or location, but only affects the aggregation of results on a county basis. 1 Memo from Paul Fishwick et.al, to Scott Wallace, Aug 24, 2011

4 Solution As stated in our September 2, 2011 letter, the shipped and approved software (RiskLink 11.0.SP1) is correct, and only the data on Form A6, Form A7, Form A8, and FormCR need to be updated in the submission document. The affected exposure sets have been re-geocoded in RiskLink 11.0.SP1, and the resulting forms have been recompiled. Correction of the exposure set also resolves the issues identified in the Form A6 question from the professional team referenced in the August 24, 2011 memo above. Incidentally, RMS had noted this discrepancy between the FHCF exposure set and loss results and documented it in Form A8 as an explanation for counties that reported a 100% drop in results. As explained in Form A8, at the time RMS staff attributed these 100% differences to the change from using the FHCF weighting file postal code-county mapping to the RiskLink provided mapping. Summary of Changes to submission RMS is submitting the following files: RMS09FormA6_ xls - recompiled version of Form data to replace the originally submitted file RMS09FormA7_ xls - recompiled version of Form data to replace the originally submitted file RMS09FormA6_Diff.xlsx - comparison of data from recompiled file above and original data from submission RMS09FormA7_Diff.xlsx - comparison of data from recompiled file above and original data from submission RMS09FormCR_ xlsx - Recompiled version of FormCR and comparison of similar form in the submission. Note FormCR is not delivered in spreadsheet format, and this file is provided as a courtesy to ease comparison. RMS09Standards&Disclosures_ ComResOutputRanges_ pdf - Track change pages with updated data for Form CR RMS09Standards&Disclosures_FormA6_ pdf - Track change pages with updated data for Form A6 RMS09Standards&Disclosures_FormA7_ pdf - Track change pages with updated data for Form A7 RMS09Standards&Disclosures_FormA8_ pdf - Track change pages with updated maps for Form A8 note that explanatory paragraphs are no longer necessary and have been removed. RMS09_A6Error_ChangePageSummary pdf - Summary of the pages to be changed in the submission in addition to the pages shown in the pdf files above, the model version number will be updated from 11.0.SP1 to 11.0.SP2 throughout the submission in footers, appendices, etc.

5 Prevention of Error in Future As part of the From A6 QA process, a test case has been added to check that the geocoding results used in the submitted forms are consistent with submitted software build. This check will ensure RMS has a method of catching these issues in the future. Sincerely, Michael Young Senior Director of Mitigation and Regulatory Affairs Risk Management Solutions, Inc. Telephone: (510) Fax: (510)

6 List of changes in submission document dated Sept 20, 2011 for RiskLink 11.0.SP2 Change Pages Track Change Page-Page Nos. # of Submission Change Pages RMS Submission Page No. Notes Changes related to Postcode-county mapping error Updated Form CR Updated data for Form A Updated data for Form A Updated all maps in Form A8 - Form verbiage removed-no longer applies to updated form Track change version shown in file: RMS09Standards&Disclosures ComResOutputRanges pdf Track change version shown in file: RMS09Standards&Disclosures_FormA6_ pdf Track change version shown in file: RMS09Standards&Disclosures FormA pdf Track change version shown in file: RMS09Standards&Disclosures FormA pdf Further changes to model version numbering and/or date Submission Checklist 1 5 Model version number and date updated Model Identification Page 1 9 Model version number and date updated General Standards 2 93/94 Additional signature line, model version number and date Meteorological Standards 2 95/96 Additional signature line, model version number and date Vulnerability Standards 2 97/98 Additional signature line, model version number and date Actuarial Standards 2 99/100 Additional signature line, model version number and date Statistical Standards 2 101/102 Additional signature line, model version number and date Computer Standards 2 103/104 Additional signature line, model version number and date Editorial Certification 2 105/106 Additional signature line, model version number and date Standard C-6 Edit updated to to coincide with 11.0.SP2 Appendix C Figure Splash Screen New splash screen for model version 11.0.SP2 Appendix D: First Page Post Import Summary First Page Only - Date and model version number changes Appendix D: First Page Analysis Summary Report First Page Only - Date and model version number changes Changes in version from 11.0.SP1 to 11.0.SP2 All 3, 5, 9, 21, 37, Misc. Pages in Submission (listed) + Cover Page & All Footers 87, 95, 97, 101, 107, 118, 119, 175, 180, 398 Changes in date from Mar 2011 to Sep 2011 All 2, 5, 9 Misc. Pages in Submission (listed) + Cover Page & All Footers RMS 9/20/2011

7 Form A-6: Personal Residential Output Ranges A. Provide personal residential output ranges in the format shown in the file named 2009FormA6.xls by using an automated program or script. A hard copy of the personal residential output range spreadsheets shall be included in the submission. Provide the personal residential output ranges on CD in Excel format. The file name shall include the abbreviated name of the modeler, the Standards year, and the Form name. B. Provide loss costs by county. Within each county, loss costs shall be shown separately per $1,000 of exposure for personal residential, tenants, condo unit owners, and mobile home; for each major deductible option; and by construction type. For each of these categories using ZIP Code centroids, the personal residential output range shall show the highest loss cost, the lowest loss cost, and the weighted average loss cost based on the 2007 Florida Hurricane Catastrophe Fund aggregate personal residential exposure data provided in the file named hlpm2007.exe.. The aggregate personal residential exposure data for this form shall be developed from the information in the file named hlpm2007.exe, except for insured value and deductibles information. Insured values shall be based on the personal residential output range specifications on the following pages. Deductible amounts prescribed in 2009FormA6.xls for each column will be assumed to be uniformly applied to all risks. When calculating the weighted average loss costs, weight the loss costs by the total insured value calculated above. Include the statewide range of loss costs (i.e., low, high, and weighted average). For each of the loss costs provided, identify what that loss cost represents by line of business, deductible option, construction type, and coverages included, i.e., structure, contents, appurtenant structures, or additional living expenses as specified. C. If a modeling organization has loss costs for a ZIP Code for which there is no exposure, give the loss costs zero weight (i.e., assume the exposure in that ZIP Code is zero). Provide a list in the submission document of those ZIP Codes where this occurs. D. If a modeling organization does not have loss costs for a ZIP Code for which there is some exposure, do not assume such loss costs are zero, but use only the exposures for which there are loss costs in calculating the weighted average loss costs. Provide a list in the submission document of the ZIP Codes where this occurs. E. All anomalies in loss costs that are not consistent with the requirements of Standard A-10 and have been explained in Disclosure A-10.1 shall be shaded. Indicate if per diem is used in producing loss costs for Coverage D (ALE) in the personal residential output ranges. If a per diem rate is used in the submission, a rate of $ per day per policy shall be used. The required file is on the CD-ROM in the required format in the file RMS09FormA xls. There are no instances of loss costs for a ZIP Code for which there is no exposure in the submitted Output Ranges. There are no instances where we have a zero loss cost for a ZIP Code for which there is some exposure in the submitted Output Ranges. 262

8 Table 27: Personal Residential Output Ranges LOSS COSTS APPURTENANT Personal Residential Owners FRAME $500 ADDITIONAL LIVING EXPENSE $1,000 ALACHUA LOW HIGH AVE BAKER LOW HIGH AVE BAY LOW HIGH AVE BRADFORD LOW HIGH AVE BREVARD LOW HIGH AVE BROWARD LOW HIGH AVE * Includes contents and ALE 263

9 LOSS COSTS APPURTENANT Personal Residential Owners FRAME $500 ADDITIONAL LIVING EXPENSE $1,000 CALHOUN LOW HIGH AVE CHARLOTTE LOW HIGH AVE CITRUS LOW HIGH AVE CLAY LOW HIGH AVE COLLIER LOW HIGH AVE COLUMBIA LOW HIGH AVE DESOTO LOW HIGH AVE DIXIE LOW HIGH AVE

10 LOSS COSTS APPURTENANT Personal Residential Owners FRAME $500 ADDITIONAL LIVING EXPENSE $1,000 DUVAL LOW HIGH AVE ESCAMBIA LOW HIGH AVE FLAGLER LOW HIGH AVE FRANKLIN LOW HIGH AVE GADSDEN LOW HIGH AVE GILCHRIST LOW HIGH AVE GLADES LOW HIGH AVE GULF LOW HIGH AVE

11 LOSS COSTS APPURTENANT Personal Residential Owners FRAME $500 ADDITIONAL LIVING EXPENSE $1,000 HAMILTON LOW HIGH AVE HARDEE LOW HIGH AVE HENDRY LOW HIGH AVE HERNANDO LOW HIGH AVE HIGHLANDS LOW HIGH AVE HILLSBOROUGH LOW HIGH AVE HOLMES LOW HIGH AVE INDIAN RIVER LOW HIGH AVE

12 LOSS COSTS APPURTENANT Personal Residential Owners FRAME $500 ADDITIONAL LIVING EXPENSE $1,000 JACKSON LOW HIGH AVE JEFFERSON LOW HIGH AVE LAFAYETTE LOW HIGH AVE LAKE LOW HIGH AVE LEE LOW HIGH AVE LEON LOW HIGH AVE LEVY LOW HIGH AVE LIBERTY LOW HIGH AVE

13 LOSS COSTS APPURTENANT Personal Residential Owners FRAME $500 ADDITIONAL LIVING EXPENSE $1,000 MADISON LOW HIGH AVE MANATEE LOW HIGH AVE MARION LOW HIGH AVE MARTIN LOW HIGH AVE MIAMI-DADE LOW HIGH AVE MONROE LOW HIGH AVE NASSAU LOW HIGH AVE OKALOOSA LOW HIGH AVE

14 LOSS COSTS APPURTENANT Personal Residential Owners FRAME $500 ADDITIONAL LIVING EXPENSE $1,000 OKEECHOBEE LOW HIGH AVE ORANGE LOW HIGH AVE OSCEOLA LOW HIGH AVE PALM BEACH LOW HIGH AVE PASCO LOW HIGH AVE PINELLAS LOW HIGH AVE POLK LOW HIGH AVE PUTNAM LOW HIGH AVE

15 LOSS COSTS APPURTENANT Personal Residential Owners FRAME $500 ADDITIONAL LIVING EXPENSE $1,000 SAINT JOHNS LOW HIGH AVE SAINT LUCIE LOW HIGH AVE SANTA ROSA LOW HIGH AVE SARASOTA LOW HIGH AVE SEMINOLE LOW HIGH AVE SUMTER LOW HIGH AVE SUWANNEE LOW HIGH AVE

16 LOSS COSTS APPURTENANT Personal Residential Owners FRAME $500 ADDITIONAL LIVING EXPENSE $1,000 TAYLOR LOW HIGH AVE UNION LOW HIGH AVE VOLUSIA LOW HIGH AVE WAKULLA LOW HIGH AVE WALTON LOW HIGH AVE WASHINGTON LOW HIGH AVE STATEWIDE LOW HIGH AVE

17 LOSS COSTS 0% 0% PERSONAL RESIDENTIAL Owners MASONRY APPURTENANT ADDITIONAL LIVING EXPENSE $500 $1,000 ALACHUA LOW HIGH AVE BAKER LOW HIGH AVE BAY LOW HIGH AVE BRADFORD LOW HIGH AVE BREVARD LOW HIGH AVE BROWARD LOW HIGH AVE CALHOUN LOW HIGH AVE * Includes contents and ALE 272

18 LOSS COSTS 0% 0% PERSONAL RESIDENTIAL Owners MASONRY APPURTENANT ADDITIONAL LIVING EXPENSE $500 $1,000 CHARLOTTE LOW HIGH AVE CITRUS LOW HIGH AVE CLAY LOW HIGH AVE COLLIER LOW HIGH AVE COLUMBIA LOW HIGH AVE DESOTO LOW HIGH AVE DIXIE LOW HIGH AVE DUVAL LOW HIGH AVE

19 LOSS COSTS 0% 0% PERSONAL RESIDENTIAL Owners MASONRY APPURTENANT ADDITIONAL LIVING EXPENSE $500 $1,000 ESCAMBIA LOW HIGH AVE FLAGLER LOW HIGH AVE FRANKLIN LOW HIGH AVE GADSDEN LOW HIGH AVE GILCHRIST LOW HIGH AVE GLADES LOW HIGH AVE GULF LOW HIGH AVE HAMILTON LOW HIGH AVE

20 LOSS COSTS 0% 0% PERSONAL RESIDENTIAL Owners MASONRY APPURTENANT ADDITIONAL LIVING EXPENSE $500 $1,000 HARDEE LOW HIGH AVE HENDRY LOW HIGH AVE HERNANDO LOW HIGH AVE HIGHLANDS LOW HIGH AVE HILLSBOROUGH LOW HIGH AVE HOLMES LOW HIGH AVE INDIAN RIVER LOW HIGH AVE JACKSON LOW HIGH AVE

21 LOSS COSTS 0% 0% PERSONAL RESIDENTIAL Owners MASONRY APPURTENANT ADDITIONAL LIVING EXPENSE $500 $1,000 JEFFERSON LOW HIGH AVE LAFAYETTE LOW HIGH AVE LAKE LOW HIGH AVE LEE LOW HIGH AVE LEON LOW HIGH AVE LEVY LOW HIGH AVE LIBERTY LOW HIGH AVE MADISON LOW HIGH AVE

22 LOSS COSTS 0% 0% PERSONAL RESIDENTIAL Owners MASONRY APPURTENANT ADDITIONAL LIVING EXPENSE $500 $1,000 MANATEE LOW HIGH AVE MARION LOW HIGH AVE MARTIN LOW HIGH AVE MIAMI-DADE LOW HIGH AVE MONROE LOW HIGH AVE NASSAU LOW HIGH AVE OKALOOSA LOW HIGH AVE OKEECHOBEE LOW HIGH AVE

23 LOSS COSTS 0% 0% PERSONAL RESIDENTIAL Owners MASONRY APPURTENANT ADDITIONAL LIVING EXPENSE $500 $1,000 ORANGE LOW HIGH AVE OSCEOLA LOW HIGH AVE PALM BEACH LOW HIGH AVE PASCO LOW HIGH AVE PINELLAS LOW HIGH AVE POLK LOW HIGH AVE PUTNAM LOW HIGH AVE SAINT JOHNS LOW HIGH AVE

24 LOSS COSTS 0% 0% PERSONAL RESIDENTIAL Owners MASONRY APPURTENANT ADDITIONAL LIVING EXPENSE $500 $1,000 SAINT LUCIE LOW HIGH AVE SANTA ROSA LOW HIGH AVE SARASOTA LOW HIGH AVE SEMINOLE LOW HIGH AVE SUMTER LOW HIGH AVE SUWANNEE LOW HIGH AVE TAYLOR LOW HIGH AVE UNION LOW HIGH AVE

25 LOSS COSTS 0% 0% PERSONAL RESIDENTIAL Owners MASONRY APPURTENANT ADDITIONAL LIVING EXPENSE $500 $1,000 VOLUSIA LOW HIGH AVE WAKULLA LOW HIGH AVE WALTON LOW HIGH AVE WASHINGTON LOW HIGH AVE STATEWIDE LOW HIGH AVE

26 LOSS COSTS PERSONAL RESIDENTIAL MOBILE HOMES $500 ADDITIONAL LIVING EXPENSE APPURTENANT $1,000 ALACHUA LOW HIGH AVE BAKER LOW HIGH AVE BAY LOW HIGH AVE BRADFORD LOW HIGH AVE BREVARD LOW HIGH AVE BROWARD LOW HIGH AVE CALHOUN LOW HIGH AVE * Includes contents and ALE 281

27 LOSS COSTS PERSONAL RESIDENTIAL MOBILE HOMES $500 ADDITIONAL LIVING EXPENSE APPURTENANT $1,000 CHARLOTTE LOW HIGH AVE CITRUS LOW HIGH AVE CLAY LOW HIGH AVE COLLIER LOW HIGH AVE COLUMBIA LOW HIGH AVE DESOTO LOW HIGH AVE DIXIE LOW HIGH AVE DUVAL LOW HIGH AVE

28 LOSS COSTS PERSONAL RESIDENTIAL MOBILE HOMES $500 ADDITIONAL LIVING EXPENSE APPURTENANT $1,000 ESCAMBIA LOW HIGH AVE FLAGLER LOW HIGH AVE FRANKLIN LOW HIGH AVE GADSDEN LOW HIGH AVE GILCHRIST LOW HIGH AVE GLADES LOW HIGH AVE GULF LOW HIGH AVE HAMILTON LOW HIGH AVE

29 LOSS COSTS PERSONAL RESIDENTIAL MOBILE HOMES $500 ADDITIONAL LIVING EXPENSE APPURTENANT $1,000 HARDEE LOW HIGH AVE HENDRY LOW HIGH AVE HERNANDO LOW HIGH AVE HIGHLANDS LOW HIGH AVE HILLSBOROUGH LOW HIGH AVE HOLMES LOW HIGH AVE INDIAN RIVER LOW HIGH AVE JACKSON LOW HIGH AVE

30 LOSS COSTS PERSONAL RESIDENTIAL MOBILE HOMES $500 ADDITIONAL LIVING EXPENSE APPURTENANT $1,000 JEFFERSON LOW HIGH AVE LAFAYETTE LOW HIGH AVE LAKE LOW HIGH AVE LEE LOW HIGH AVE LEON LOW HIGH AVE LEVY LOW HIGH AVE LIBERTY LOW HIGH AVE MADISON LOW HIGH AVE

31 LOSS COSTS PERSONAL RESIDENTIAL MOBILE HOMES $500 ADDITIONAL LIVING EXPENSE APPURTENANT $1,000 MANATEE LOW HIGH AVE MARION LOW HIGH AVE MARTIN LOW HIGH AVE MIAMI-DADE LOW HIGH AVE MONROE LOW HIGH AVE NASSAU LOW HIGH AVE OKALOOSA LOW HIGH AVE OKEECHOBEE LOW HIGH AVE

32 LOSS COSTS PERSONAL RESIDENTIAL MOBILE HOMES $500 ADDITIONAL LIVING EXPENSE APPURTENANT $1,000 ORANGE LOW HIGH AVE OSCEOLA LOW HIGH AVE PALM BEACH LOW HIGH AVE PASCO LOW HIGH AVE PINELLAS LOW HIGH AVE POLK LOW HIGH AVE PUTNAM LOW HIGH AVE SAINT JOHNS LOW HIGH AVE

33 LOSS COSTS PERSONAL RESIDENTIAL MOBILE HOMES $500 ADDITIONAL LIVING EXPENSE APPURTENANT $1,000 SAINT LUCIE LOW HIGH AVE SANTA ROSA LOW HIGH AVE SARASOTA LOW HIGH AVE SEMINOLE LOW HIGH AVE SUMTER LOW HIGH AVE SUWANNEE LOW HIGH AVE TAYLOR LOW HIGH AVE UNION LOW HIGH AVE

34 LOSS COSTS PERSONAL RESIDENTIAL MOBILE HOMES $500 ADDITIONAL LIVING EXPENSE APPURTENANT $1,000 VOLUSIA LOW HIGH AVE WAKULLA LOW HIGH AVE WALTON LOW HIGH AVE WASHINGTON LOW HIGH AVE STATEWIDE LOW HIGH AVE

35 PERSONAL RESIDENTIAL Renters FRAME LOSS COSTS ADDITIONAL LIVING EXPENSE $500 $1,000 ALACHUA LOW HIGH AVE BAKER LOW HIGH AVE BAY LOW HIGH AVE BRADFORD LOW HIGH AVE BREVARD LOW HIGH AVE BROWARD LOW HIGH AVE CALHOUN LOW HIGH AVE CHARLOTTE LOW HIGH AVE * Includes contents and ALE 290

36 PERSONAL RESIDENTIAL Renters FRAME LOSS COSTS ADDITIONAL LIVING EXPENSE $500 $1,000 CITRUS LOW HIGH AVE CLAY LOW HIGH AVE COLLIER LOW HIGH AVE COLUMBIA LOW HIGH AVE DESOTO LOW HIGH AVE DIXIE LOW HIGH AVE DUVAL LOW HIGH AVE ESCAMBIA LOW HIGH AVE FLAGLER LOW HIGH AVE

37 PERSONAL RESIDENTIAL Renters FRAME LOSS COSTS ADDITIONAL LIVING EXPENSE $500 $1,000 FRANKLIN LOW HIGH AVE GADSDEN LOW HIGH AVE GILCHRIST LOW HIGH AVE GLADES LOW HIGH AVE GULF LOW HIGH AVE HAMILTON LOW HIGH AVE HARDEE LOW HIGH AVE HENDRY LOW HIGH AVE HERNANDO LOW HIGH AVE

38 PERSONAL RESIDENTIAL Renters FRAME LOSS COSTS ADDITIONAL LIVING EXPENSE $500 $1,000 HIGHLANDS LOW HIGH AVE HILLSBOROUGH LOW HIGH AVE HOLMES LOW HIGH AVE INDIAN RIVER LOW HIGH AVE JACKSON LOW HIGH AVE JEFFERSON LOW HIGH AVE LAFAYETTE LOW HIGH AVE LAKE LOW HIGH AVE LEE LOW HIGH AVE

39 PERSONAL RESIDENTIAL Renters FRAME LOSS COSTS ADDITIONAL LIVING EXPENSE $500 $1,000 LEON LOW HIGH AVE LEVY LOW HIGH AVE LIBERTY LOW HIGH AVE MADISON LOW HIGH AVE MANATEE LOW HIGH AVE MARION LOW HIGH AVE MARTIN LOW HIGH AVE MIAMI-DADE LOW HIGH AVE MONROE LOW HIGH AVE

40 PERSONAL RESIDENTIAL Renters FRAME LOSS COSTS ADDITIONAL LIVING EXPENSE $500 $1,000 NASSAU LOW HIGH AVE OKALOOSA LOW HIGH AVE OKEECHOBEE LOW HIGH AVE ORANGE LOW HIGH AVE OSCEOLA LOW HIGH AVE PALM BEACH LOW HIGH AVE PASCO LOW HIGH AVE PINELLAS LOW HIGH AVE POLK LOW HIGH AVE

41 PERSONAL RESIDENTIAL Renters FRAME LOSS COSTS ADDITIONAL LIVING EXPENSE $500 $1,000 PUTNAM LOW HIGH AVE SAINT JOHNS LOW HIGH AVE SAINT LUCIE LOW HIGH AVE SANTA ROSA LOW HIGH AVE SARASOTA LOW HIGH AVE SEMINOLE LOW HIGH AVE SUMTER LOW HIGH AVE SUWANNEE LOW HIGH AVE TAYLOR LOW HIGH AVE

42 PERSONAL RESIDENTIAL Renters FRAME LOSS COSTS ADDITIONAL LIVING EXPENSE $500 $1,000 UNION LOW HIGH AVE VOLUSIA LOW HIGH AVE WAKULLA LOW HIGH AVE WALTON LOW HIGH AVE WASHINGTON LOW HIGH AVE STATEWIDE LOW HIGH AVE

43 LOSS COSTS 0% PERSONAL RESIDENTIAL Renters MASONRY ADDITIONAL LIVING EXPENSE $500 $1,000 ALACHUA LOW HIGH AVE BAKER LOW HIGH AVE BAY LOW HIGH AVE BRADFORD LOW HIGH AVE BREVARD LOW HIGH AVE BROWARD LOW HIGH AVE CALHOUN LOW HIGH AVE CHARLOTTE LOW HIGH AVE CITRUS LOW HIGH AVE * Includes contents and ALE 298

44 LOSS COSTS 0% PERSONAL RESIDENTIAL Renters MASONRY ADDITIONAL LIVING EXPENSE $500 $1,000 CLAY LOW HIGH AVE COLLIER LOW HIGH AVE COLUMBIA LOW HIGH AVE DESOTO LOW HIGH AVE DIXIE LOW HIGH AVE DUVAL LOW HIGH AVE ESCAMBIA LOW HIGH AVE FLAGLER LOW HIGH AVE FRANKLIN LOW HIGH AVE

45 LOSS COSTS 0% PERSONAL RESIDENTIAL Renters MASONRY ADDITIONAL LIVING EXPENSE $500 $1,000 GADSDEN LOW HIGH AVE GILCHRIST LOW HIGH AVE GLADES LOW HIGH AVE GULF LOW HIGH AVE HAMILTON LOW HIGH AVE HARDEE LOW HIGH AVE HENDRY LOW HIGH AVE HERNANDO LOW HIGH AVE HIGHLANDS LOW HIGH AVE

46 LOSS COSTS 0% PERSONAL RESIDENTIAL Renters MASONRY ADDITIONAL LIVING EXPENSE $500 $1,000 HILLSBOROUGH LOW HIGH AVE HOLMES LOW HIGH AVE INDIAN RIVER LOW HIGH AVE JACKSON LOW HIGH AVE JEFFERSON LOW HIGH AVE LAFAYETTE LOW HIGH AVE LAKE LOW HIGH AVE LEE LOW HIGH AVE LEON LOW HIGH AVE

47 LOSS COSTS 0% PERSONAL RESIDENTIAL Renters MASONRY ADDITIONAL LIVING EXPENSE $500 $1,000 LEVY LOW HIGH AVE LIBERTY LOW HIGH AVE MADISON LOW HIGH AVE MANATEE LOW HIGH AVE MARION LOW HIGH AVE MARTIN LOW HIGH AVE MIAMI-DADE LOW HIGH AVE MONROE LOW HIGH AVE NASSAU LOW HIGH AVE

48 LOSS COSTS 0% PERSONAL RESIDENTIAL Renters MASONRY ADDITIONAL LIVING EXPENSE $500 $1,000 OKALOOSA LOW HIGH AVE OKEECHOBEE LOW HIGH AVE ORANGE LOW HIGH AVE OSCEOLA LOW HIGH AVE PALM BEACH LOW HIGH AVE PASCO LOW HIGH AVE PINELLAS LOW HIGH AVE POLK LOW HIGH AVE PUTNAM LOW HIGH AVE

49 LOSS COSTS 0% PERSONAL RESIDENTIAL Renters MASONRY ADDITIONAL LIVING EXPENSE $500 $1,000 SAINT JOHNS LOW HIGH AVE SAINT LUCIE LOW HIGH AVE SANTA ROSA LOW HIGH AVE SARASOTA LOW HIGH AVE SEMINOLE LOW HIGH AVE SUMTER LOW HIGH AVE SUWANNEE LOW HIGH AVE TAYLOR LOW HIGH AVE UNION LOW HIGH AVE

50 LOSS COSTS 0% PERSONAL RESIDENTIAL Renters MASONRY ADDITIONAL LIVING EXPENSE $500 $1,000 VOLUSIA LOW HIGH AVE WAKULLA LOW HIGH AVE WALTON LOW HIGH AVE WASHINGTON LOW HIGH AVE STATEWIDE LOW HIGH AVE

51 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners FRAME $500 $1,000 ADDITIONAL LIVING EXPENSE ALACHUA LOW HIGH AVE BAKER LOW HIGH AVE BAY LOW HIGH AVE BRADFORD LOW HIGH AVE BREVARD LOW HIGH AVE BROWARD LOW HIGH AVE CALHOUN LOW HIGH AVE CHARLOTTE LOW HIGH AVE CITRUS LOW HIGH AVE * Includes contents and ALE 306

52 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners FRAME $500 $1,000 ADDITIONAL LIVING EXPENSE CLAY LOW HIGH AVE COLLIER LOW HIGH AVE COLUMBIA LOW HIGH AVE DESOTO LOW HIGH AVE DIXIE LOW HIGH AVE DUVAL LOW HIGH AVE ESCAMBIA LOW HIGH AVE FLAGLER LOW HIGH AVE FRANKLIN LOW HIGH AVE

53 GADSDEN GILCHRIST LOSS COSTS LOW HIGH AVE LOW HIGH AVE PERSONAL RESIDENTIAL Condo Owners FRAME $500 $1,000 ADDITIONAL LIVING EXPENSE GLADES LOW HIGH AVE GULF LOW HIGH AVE HAMILTON HARDEE LOW HIGH AVE LOW HIGH AVE HENDRY LOW HIGH AVE HERNANDO LOW HIGH AVE HIGHLANDS LOW HIGH AVE

54 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners FRAME $500 $1,000 ADDITIONAL LIVING EXPENSE HILLSBOROUGH LOW HIGH AVE HOLMES LOW HIGH AVE INDIAN RIVER LOW HIGH AVE JACKSON LOW HIGH AVE JEFFERSON LAFAYETTE LOW HIGH AVE LOW HIGH AVE LAKE LOW HIGH AVE LEE LOW HIGH AVE LEON LOW HIGH AVE

55 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners FRAME $500 $1,000 ADDITIONAL LIVING EXPENSE LEVY LOW HIGH AVE LIBERTY MADISON LOW HIGH AVE LOW HIGH AVE MANATEE LOW HIGH AVE MARION LOW HIGH AVE MARTIN LOW HIGH AVE MIAMI-DADE LOW HIGH AVE MONROE LOW HIGH AVE NASSAU LOW HIGH AVE

56 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners FRAME $500 $1,000 ADDITIONAL LIVING EXPENSE OKALOOSA LOW HIGH AVE OKEECHOBEE LOW HIGH AVE ORANGE LOW HIGH AVE OSCEOLA LOW HIGH AVE PALM BEACH LOW HIGH AVE PASCO LOW HIGH AVE PINELLAS LOW HIGH AVE POLK LOW HIGH AVE PUTNAM LOW HIGH AVE

57 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners FRAME $500 $1,000 ADDITIONAL LIVING EXPENSE SAINT JOHNS LOW HIGH AVE SAINT LUCIE LOW HIGH AVE SANTA ROSA LOW HIGH AVE SARASOTA LOW HIGH AVE SEMINOLE LOW HIGH AVE SUMTER LOW HIGH AVE SUWANNEE LOW HIGH AVE TAYLOR LOW HIGH AVE UNION LOW HIGH AVE

58 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners FRAME $500 $1,000 ADDITIONAL LIVING EXPENSE VOLUSIA LOW HIGH AVE WAKULLA LOW HIGH AVE WALTON LOW HIGH AVE WASHINGTON LOW HIGH AVE STATEWIDE LOW HIGH AVE

59 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners MASONRY $500 $1,000 ADDITIONAL LIVING EXPENSE ALACHUA LOW HIGH AVE BAKER LOW HIGH AVE BAY LOW HIGH AVE BRADFORD LOW HIGH AVE BREVARD LOW HIGH AVE BROWARD LOW HIGH AVE CALHOUN LOW HIGH AVE CHARLOTTE LOW HIGH AVE CITRUS LOW HIGH AVE

60 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners MASONRY $500 $1,000 ADDITIONAL LIVING EXPENSE CLAY LOW HIGH AVE COLLIER LOW HIGH AVE COLUMBIA LOW HIGH AVE DESOTO LOW HIGH AVE DIXIE LOW HIGH AVE DUVAL LOW HIGH AVE ESCAMBIA LOW HIGH AVE FLAGLER LOW HIGH AVE FRANKLIN LOW HIGH AVE

61 GADSDEN LOSS COSTS LOW HIGH AVE PERSONAL RESIDENTIAL Condo Owners MASONRY $500 $1,000 ADDITIONAL LIVING EXPENSE GILCHRIST LOW HIGH AVE GLADES LOW HIGH AVE GULF LOW HIGH AVE HAMILTON LOW HIGH AVE HARDEE LOW HIGH AVE HENDRY LOW HIGH AVE HERNANDO LOW HIGH AVE HIGHLANDS LOW HIGH AVE

62 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners MASONRY $500 $1,000 ADDITIONAL LIVING EXPENSE HILLSBOROUGH LOW HIGH AVE HOLMES LOW HIGH AVE INDIAN RIVER LOW HIGH AVE JACKSON LOW HIGH AVE JEFFERSON LAFAYETTE LOW HIGH AVE LOW HIGH AVE LAKE LOW HIGH AVE LEE LOW HIGH AVE LEON LOW HIGH AVE

63 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners MASONRY $500 $1,000 ADDITIONAL LIVING EXPENSE LEVY LOW HIGH AVE LIBERTY MADISON LOW HIGH AVE LOW HIGH AVE MANATEE LOW HIGH AVE MARION LOW HIGH AVE MARTIN LOW HIGH AVE MIAMI-DADE LOW HIGH AVE MONROE LOW HIGH AVE NASSAU LOW HIGH AVE

64 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners MASONRY $500 $1,000 ADDITIONAL LIVING EXPENSE OKALOOSA LOW HIGH AVE OKEECHOBEE LOW HIGH AVE ORANGE LOW HIGH AVE OSCEOLA LOW HIGH AVE PALM BEACH LOW HIGH AVE PASCO LOW HIGH AVE PINELLAS LOW HIGH AVE POLK LOW HIGH AVE PUTNAM LOW HIGH AVE

65 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners MASONRY $500 $1,000 ADDITIONAL LIVING EXPENSE SAINT JOHNS LOW HIGH AVE SAINT LUCIE LOW HIGH AVE SANTA ROSA LOW HIGH AVE SARASOTA LOW HIGH AVE SEMINOLE LOW HIGH AVE SUMTER LOW HIGH AVE SUWANNEE LOW HIGH AVE TAYLOR LOW HIGH AVE UNION LOW HIGH AVE

66 LOSS COSTS PERSONAL RESIDENTIAL Condo Owners MASONRY $500 $1,000 ADDITIONAL LIVING EXPENSE VOLUSIA LOW HIGH AVE WAKULLA LOW HIGH AVE WALTON LOW HIGH AVE WASHINGTON LOW HIGH AVE STATEWIDE LOW HIGH AVE

67 Form A-7: Percentage Change in Personal Residential Output Ranges A. Provide the percentage change in the weighted average loss costs using the 2007 Florida Hurricane Catastrophe Fund s aggregate personal residential exposure data found in the file named hlpm2007.exe, from the personal residential output ranges from the previously accepted submission for the following: Statewide (overall percentage change), By region, as defined in Figure 4 North, Central and South, by county, as defined in Figure 5 Coastal and Inland. B. Provide this Form on CD in Excel format. The file name shall include the abbreviated name of the modeling organization, the Standards year, and the Form name. A hard copy of Form A-7 shall be included in the submission. Figure 4 State of Florida by North/Central/South Regions North Central South 322

68 Figure 5 State of Florida by Coastal/Inland Counties Inland Coastal The percentage change in the weighted average loss costs from the Output Ranges supplied last year are shown in the file RMS09FormA xls on the CD-ROM and appears below. 323