Advertisement
Not a member of Pastebin yet?
Sign Up,
it unlocks many cool features!
- {
- "perilSteps": [
- {
- "code": "P1",
- "order": 0,
- "name": "P1",
- "value": 0,
- "steps": {
- "Step1": {
- "id": 0,
- "description": "Base Rate",
- "order": 1,
- "code": null,
- "subOrder": "",
- "formula": "[BaseRate({Rater.ProgramCode}, {Peril.Code})]",
- "value": 218.45,
- "name": "Step1"
- },
- "Step2": {
- "id": 0,
- "description": "Territorial Relativity",
- "order": 2,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Territory Factor, {Rater.Territory})]",
- "value": 0.798,
- "name": "Step2"
- },
- "Step3A": {
- "id": 0,
- "description": "Years at Residence (Enter Years)",
- "order": 3,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Years of Residence, null, null, {Rater.YearsOfResidence})]",
- "value": 0.68,
- "name": "Step3A"
- },
- "Step3B": {
- "id": 0,
- "description": "Cov A & Age of Insured (HO-3)",
- "order": 3,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Cov A Limit and Age of Insured, null, null, |RequestedLimit(CovA)|, {Rater.AgeOfInsured})]",
- "value": 0.884,
- "name": "Step3B"
- },
- "Step3C": {
- "id": 0,
- "description": "Non-Cat Loss History (3-year) & Excess of 2 Water Claims",
- "order": 3,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, null, Loss History Non-Catastrophe, {Rater.ChargableLimitCode})]+{Rater.WaterChargableLimit.ThreeYear}*[NonPerilTierFactor(null, null, Cause of Loss Additional Surcharge, Water)]",
- "value": 1,
- "name": "Step3C"
- },
- "Step3D": {
- "id": 0,
- "description": "All Year Loss History",
- "order": 3,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Loss History, {Rater.LossHistoryCode})]",
- "value": 0.566,
- "name": "Step3D"
- },
- "Step3E": {
- "id": 0,
- "description": "Rounded Factor",
- "order": 3,
- "code": null,
- "subOrder": "E",
- "formula": "round([StepValue(Step3A)] * [StepValue(Step3B)] * [StepValue(Step3C)] * [StepValue(Step3D)], 3)",
- "value": 0.34,
- "name": "Step3E"
- },
- "Step3F": {
- "id": 0,
- "description": "Tier",
- "order": 3,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Tier Score, null, null, |StepValue(Step3E)|)]",
- "value": 10,
- "name": "Step3F"
- },
- "Step3G": {
- "id": 0,
- "description": "Final Tier Factor",
- "order": 3,
- "code": null,
- "subOrder": "G",
- "formula": "[TierFactor(Tier Factor, |CheckStepOverrideValue({Rater.TierScoreOverride}, P1, Step3F)|)]",
- "value": 0.755,
- "name": "Step3G"
- },
- "Step4A": {
- "id": 0,
- "description": "Construction Type & Occupancy",
- "order": 4,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Protection Construction, {Rater.ConstructionType}, {Rater.ProtectionClass})]",
- "value": 1.1,
- "name": "Step4A"
- },
- "Step4B": {
- "id": 0,
- "description": "Number of Families",
- "order": 4,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, NumberOfFamilies, {Rater.NumberOfFamilies})]",
- "value": 1,
- "name": "Step4B"
- },
- "Step4C": {
- "id": 0,
- "description": "Deductible Factor",
- "order": 4,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Deductible Factor, {Rater.Deductible}, null, |RequestedLimit(CovA)|)]",
- "value": 0.965,
- "name": "Step4C"
- },
- "Step4D": {
- "id": 0,
- "description": "Age of Home",
- "order": 4,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, AgeOfHome Factor, null, null, {Rater.AgeOfHome})]",
- "value": 1.258,
- "name": "Step4D"
- },
- "Step4E": {
- "id": 0,
- "description": "Fire Devices",
- "order": 4,
- "code": null,
- "subOrder": "E",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Fire Devices, {Rater.FireDevicesCode})]",
- "value": 0.9,
- "name": "Step4E"
- },
- "Step4F": {
- "id": 0,
- "description": "Theft Devices",
- "order": 4,
- "code": null,
- "subOrder": "F",
- "formula": "[TierFactor(Theft Devices, {Rater.TheftDevicesCode})]",
- "value": 1,
- "name": "Step4F"
- },
- "Step4G": {
- "id": 0,
- "description": "Cov A for Dwelling",
- "order": 4,
- "code": null,
- "subOrder": "G",
- "formula": "(1-{Rater.CovADwelingPercentage}) * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingLow})] + {Rater.CovADwelingPercentage} * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingHigh})]",
- "value": 6.571156,
- "name": "Step4G"
- },
- "Step4H": {
- "id": 0,
- "description": "Seasonal Residence",
- "order": 4,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Seasonal Residence, |ToYesNo({Rater.SeasonalResidence})|)]",
- "value": 1.1,
- "name": "Step4H"
- },
- "Step4I": {
- "id": 0,
- "description": "Secondary Residence",
- "order": 4,
- "code": null,
- "subOrder": "I",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Secondary Residence, |ToYesNo({Rater.SecondaryResidence})|)]",
- "value": 1.155,
- "name": "Step4I"
- },
- "Step4J": {
- "id": 0,
- "description": "Months Unoccupied",
- "order": 4,
- "code": null,
- "subOrder": "J",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Months Unoccupied, {Rater.MonthsUnoccupoid})]",
- "value": 1.01,
- "name": "Step4J"
- },
- "Step4K": {
- "id": 0,
- "description": "Wood Stove",
- "order": 4,
- "code": null,
- "subOrder": "K",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Wood Stove, |ToYesNo({Rater.WoodStove})|)]",
- "value": 1,
- "name": "Step4K"
- },
- "Step4L": {
- "id": 0,
- "description": "Log Home",
- "order": 4,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Log Home, |ToYesNo({Rater.LogHome})|)]",
- "value": 1,
- "name": "Step4L"
- },
- "Step4M": {
- "id": 0,
- "description": "Roof Type",
- "order": 4,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Roof Covering, {Rater.RoofType})]",
- "value": 1,
- "name": "Step4M"
- },
- "Step4N": {
- "id": 0,
- "description": "Retrofit Dwelling (Wildfire Only)",
- "order": 4,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Retrofitted Dwelling Factor, |ToYesNo({Rater.RetroFitted})|, {Rater.Territory}, {Rater.YearBuilt})]",
- "value": 1,
- "name": "Step4N"
- },
- "Step5A": {
- "id": 0,
- "description": "Prior Claims Factor",
- "order": 5,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Prior Claim Charge, {Rater.ChargableLimitCode})] + ([TierFactor(Cause of Loss, Fire)] * {Rater.FireChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Liability)] * {Rater.LiabilityChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Theft)] * {Rater.TheftChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Wind)] * {Rater.WindChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Water)] * {Rater.WaterChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Other)] * {Rater.OtherChargableLimit.ThreeYear})",
- "value": 4.767,
- "name": "Step5A"
- },
- "Step5B": {
- "id": 0,
- "description": "Loss Free Discount",
- "order": 5,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Loss Free Discount, {Rater.LossfreeDiscountConditionFactorValue})]",
- "value": 1,
- "name": "Step5B"
- },
- "Step5C": {
- "id": 0,
- "description": "Home Buyer Discount",
- "order": 5,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Home Buyer Discount, {Rater.HomeType}, null, {Rater.AgeOfHome})]",
- "value": 0.98,
- "name": "Step5C"
- },
- "Step5D": {
- "id": 0,
- "description": "Age of Insured",
- "order": 5,
- "code": null,
- "subOrder": "D",
- "formula": "[TierFactor(Age Of Insured, {Rater.AgeOfInsured})]",
- "value": 1.095,
- "name": "Step5D"
- },
- "Step6A": {
- "id": 0,
- "description": "Cov E & F",
- "order": 6,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(CovE - CovF, {Rater.CovECovFKey}, null)]",
- "value": 1,
- "name": "Step6A"
- },
- "Step6B": {
- "id": 0,
- "description": "Personal Prop - Repl Cost",
- "order": 6,
- "code": null,
- "subOrder": "B",
- "formula": "[GetPersonalPropertyReplacementCost(Personal Property Replacement Cost, |ToYesNo({Rater.PersonalPropertyReplacementCost})|, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6B"
- },
- "Step6C": {
- "id": 0,
- "description": "Special Personal Prop",
- "order": 6,
- "code": null,
- "subOrder": "C",
- "formula": "[GetSpecialPersonalProperty(Special Personal Property, |ToYesNo({Rater.SpecialPersonalPropertyReplacement})|)]",
- "value": 1.1,
- "name": "Step6C"
- },
- "Step6D": {
- "id": 0,
- "description": "Add'l Replacement Cost Protection - ERC",
- "order": 6,
- "code": null,
- "subOrder": "D",
- "formula": "[GetAdditionalReplacementCost(Additional Replacement Cost Protection - ERC, {Rater.AdditionalReplacementCost}, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6D"
- },
- "Step6E": {
- "id": 0,
- "description": "Enhanced Home Package & Water Backup",
- "order": 6,
- "code": null,
- "subOrder": "E",
- "formula": "[TierFactor(Enhanced Home - Water Backup, {Rater.EnhanceHomeAndWaterBackup}, null)]",
- "value": 1.054,
- "name": "Step6E"
- },
- "Step6F": {
- "id": 0,
- "description": "Modified Loss Settlement",
- "order": 6,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Modified Loss Settlement, null, {Rater.ModifiedLossSettlement})]",
- "value": 1.28,
- "name": "Step6F"
- },
- "Step6H": {
- "id": 0,
- "description": "Ordinance or Law - ILF",
- "order": 6,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Ordinance Law - ILF, null, {Rater.OrdinanceLawFactor})]",
- "value": 1.05,
- "name": "Step6H"
- },
- "Step6J": {
- "id": 0,
- "description": "ACV on Roof Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "J",
- "formula": "[TierFactor(ACV on Roof Endorsement, |ToYesNo({Rater.ACVonRoof})|)]",
- "value": 1,
- "name": "Step6J"
- },
- "Step6K": {
- "id": 0,
- "description": "Difference in Condition Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "K",
- "formula": "[TierFactor(Difference in Condition Endorsement, |ToYesNo({Rater.DifferenceInCondition})|)]",
- "value": 1,
- "name": "Step6K"
- },
- "Step6L": {
- "id": 0,
- "description": "Plumbing Discount",
- "order": 6,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code},Plumbing Discount, {Rater.PlumbingReplacementAge})]",
- "value": 1,
- "name": "Step6L"
- },
- "Step6M": {
- "id": 0,
- "description": "Electrical Discount",
- "order": 6,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Electrical Discount, {Rater.ElectricalReplacementAge})]",
- "value": 0.905,
- "name": "Step6M"
- },
- "Step6N": {
- "id": 0,
- "description": "HVAC Discount",
- "order": 6,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, HVAC Discount, {Rater.HVACReplacementAge})]",
- "value": 0.969,
- "name": "Step6N"
- },
- "Step6O": {
- "id": 0,
- "description": "Knox Box discount",
- "order": 6,
- "code": null,
- "subOrder": "O",
- "formula": "[GenerateKnoxBoxFactorValue({Rater.KnoxBox})]",
- "value": 0.97,
- "name": "Step6O"
- },
- "Step6P": {
- "id": 0,
- "description": "Short-term vacation rental",
- "order": 6,
- "code": null,
- "subOrder": "P",
- "formula": "[ShortTermVacationFactorValue({Rater.SecondaryResidence}, {Rater.ShortRental})]",
- "value": 0.8,
- "name": "Step6P"
- },
- "Step7": {
- "id": 0,
- "description": "Multi-Policy Discount",
- "order": 7,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Multi-Policy Discount, {Rater.WithAutomobileUmbrella})]",
- "value": 0.53,
- "name": "Step7"
- },
- "Step7A": {
- "id": 0,
- "description": "Multiple homes written credit",
- "order": 7,
- "code": null,
- "subOrder": "A",
- "formula": "[GetMultipleHomesWrittenCreditFactor({Rater.IsMultipleHomesWrittenCredit})]",
- "value": 0.97,
- "name": "Step7A"
- },
- "Step8A": {
- "id": 0,
- "description": "Safety Seminar Discount (always 1)",
- "order": 8,
- "code": null,
- "subOrder": "A",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Safety Seminar, {Rater.SafetySeminarFixValue})]",
- "value": 1,
- "name": "Step8A"
- },
- "Step8B": {
- "id": 0,
- "description": "Association Discount",
- "order": 8,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, {Peril.Code}, Association Discount, |ToYesNo({Rater.AssociationDiscount})|)]",
- "value": 0.95,
- "name": "Step8B"
- },
- "Step8C": {
- "id": 0,
- "description": "Miles to FD",
- "order": 8,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Miles to FD, {Rater.MilesToFD})]",
- "value": 2.3,
- "name": "Step8C"
- },
- "Step8D": {
- "id": 0,
- "description": "Add'l Surcharge if Home Business Selected",
- "order": 8,
- "code": null,
- "subOrder": "D",
- "formula": "[HomeBusinessSurchargeFactor({Rater})]",
- "value": 1.08,
- "name": "Step8D"
- }
- }
- },
- {
- "code": "P2",
- "order": 0,
- "name": "P2",
- "value": 0,
- "steps": {
- "Step1": {
- "id": 0,
- "description": "Base Rate",
- "order": 1,
- "code": null,
- "subOrder": "",
- "formula": "[BaseRate({Rater.ProgramCode}, {Peril.Code})]",
- "value": 77.04,
- "name": "Step1"
- },
- "Step2": {
- "id": 0,
- "description": "Territorial Relativity",
- "order": 2,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Territory Factor, {Rater.Territory})]",
- "value": 0.821,
- "name": "Step2"
- },
- "Step3A": {
- "id": 0,
- "description": "Years at Residence (Enter Years)",
- "order": 3,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Years of Residence, null, null, {Rater.YearsOfResidence})]",
- "value": 0,
- "name": "Step3A"
- },
- "Step3B": {
- "id": 0,
- "description": "Cov A & Age of Insured (HO-3)",
- "order": 3,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Cov A Limit and Age of Insured, null, null, |RequestedLimit(CovA)|, {Rater.AgeOfInsured})]",
- "value": 0,
- "name": "Step3B"
- },
- "Step3C": {
- "id": 0,
- "description": "Non-Cat Loss History (3-year) & Excess of 2 Water Claims",
- "order": 3,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, null, Loss History Non-Catastrophe, {Rater.ChargableLimitCode})]+{Rater.WaterChargableLimit.ThreeYear}*[NonPerilTierFactor(null, null, Cause of Loss Additional Surcharge, Water)]",
- "value": 1,
- "name": "Step3C"
- },
- "Step3D": {
- "id": 0,
- "description": "All Year Loss History",
- "order": 3,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Loss History, {Rater.LossHistoryCode})]",
- "value": 0.566,
- "name": "Step3D"
- },
- "Step3E": {
- "id": 0,
- "description": "Rounded Factor",
- "order": 3,
- "code": null,
- "subOrder": "E",
- "formula": "round([StepValue(Step3A)] * [StepValue(Step3B)] * [StepValue(Step3C)] * [StepValue(Step3D)], 3)",
- "value": 0,
- "name": "Step3E"
- },
- "Step3F": {
- "id": 0,
- "description": "Tier",
- "order": 3,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Tier Score, null, null, |StepValue(Step3E)|)]",
- "value": 1,
- "name": "Step3F"
- },
- "Step3G": {
- "id": 0,
- "description": "Final Tier Factor",
- "order": 3,
- "code": null,
- "subOrder": "G",
- "formula": "[TierFactor(Tier Factor, |CheckStepOverrideValue({Rater.TierScoreOverride}, P1, Step3F)|)]",
- "value": 0.857,
- "name": "Step3G"
- },
- "Step4A": {
- "id": 0,
- "description": "Construction Type & Occupancy",
- "order": 4,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Protection Construction, {Rater.ConstructionType}, {Rater.ProtectionClass})]",
- "value": 1.06,
- "name": "Step4A"
- },
- "Step4B": {
- "id": 0,
- "description": "Number of Families",
- "order": 4,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, NumberOfFamilies, {Rater.NumberOfFamilies})]",
- "value": 1,
- "name": "Step4B"
- },
- "Step4C": {
- "id": 0,
- "description": "Deductible Factor",
- "order": 4,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Deductible Factor, {Rater.Deductible}, null, |RequestedLimit(CovA)|)]",
- "value": 1,
- "name": "Step4C"
- },
- "Step4D": {
- "id": 0,
- "description": "Age of Home",
- "order": 4,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, AgeOfHome Factor, null, null, {Rater.AgeOfHome})]",
- "value": 1.153,
- "name": "Step4D"
- },
- "Step4E": {
- "id": 0,
- "description": "Fire Devices",
- "order": 4,
- "code": null,
- "subOrder": "E",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Fire Devices, {Rater.FireDevicesCode})]",
- "value": 1,
- "name": "Step4E"
- },
- "Step4F": {
- "id": 0,
- "description": "Theft Devices",
- "order": 4,
- "code": null,
- "subOrder": "F",
- "formula": "[TierFactor(Theft Devices, {Rater.TheftDevicesCode})]",
- "value": 1,
- "name": "Step4F"
- },
- "Step4G": {
- "id": 0,
- "description": "Cov A for Dwelling",
- "order": 4,
- "code": null,
- "subOrder": "G",
- "formula": "(1-{Rater.CovADwelingPercentage}) * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingLow})] + {Rater.CovADwelingPercentage} * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingHigh})]",
- "value": 2.329,
- "name": "Step4G"
- },
- "Step4H": {
- "id": 0,
- "description": "Seasonal Residence",
- "order": 4,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Seasonal Residence, |ToYesNo({Rater.SeasonalResidence})|)]",
- "value": 1.05,
- "name": "Step4H"
- },
- "Step4I": {
- "id": 0,
- "description": "Secondary Residence",
- "order": 4,
- "code": null,
- "subOrder": "I",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Secondary Residence, |ToYesNo({Rater.SecondaryResidence})|)]",
- "value": 1.103,
- "name": "Step4I"
- },
- "Step4J": {
- "id": 0,
- "description": "Months Unoccupied",
- "order": 4,
- "code": null,
- "subOrder": "J",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Months Unoccupied, {Rater.MonthsUnoccupoid})]",
- "value": 1,
- "name": "Step4J"
- },
- "Step4K": {
- "id": 0,
- "description": "Wood Stove",
- "order": 4,
- "code": null,
- "subOrder": "K",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Wood Stove, |ToYesNo({Rater.WoodStove})|)]",
- "value": 1,
- "name": "Step4K"
- },
- "Step4L": {
- "id": 0,
- "description": "Log Home",
- "order": 4,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Log Home, |ToYesNo({Rater.LogHome})|)]",
- "value": 1,
- "name": "Step4L"
- },
- "Step4M": {
- "id": 0,
- "description": "Roof Type",
- "order": 4,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Roof Covering, {Rater.RoofType})]",
- "value": 1,
- "name": "Step4M"
- },
- "Step4N": {
- "id": 0,
- "description": "Retrofit Dwelling (Wildfire Only)",
- "order": 4,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Retrofitted Dwelling Factor, |ToYesNo({Rater.RetroFitted})|, {Rater.Territory}, {Rater.YearBuilt})]",
- "value": 1,
- "name": "Step4N"
- },
- "Step5A": {
- "id": 0,
- "description": "Prior Claims Factor",
- "order": 5,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Prior Claim Charge, {Rater.ChargableLimitCode})] + ([TierFactor(Cause of Loss, Fire)] * {Rater.FireChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Liability)] * {Rater.LiabilityChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Theft)] * {Rater.TheftChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Wind)] * {Rater.WindChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Water)] * {Rater.WaterChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Other)] * {Rater.OtherChargableLimit.ThreeYear})",
- "value": 2.389,
- "name": "Step5A"
- },
- "Step5B": {
- "id": 0,
- "description": "Loss Free Discount",
- "order": 5,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Loss Free Discount, {Rater.LossfreeDiscountConditionFactorValue})]",
- "value": 1,
- "name": "Step5B"
- },
- "Step5C": {
- "id": 0,
- "description": "Home Buyer Discount",
- "order": 5,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Home Buyer Discount, {Rater.HomeType}, null, {Rater.AgeOfHome})]",
- "value": 0.98,
- "name": "Step5C"
- },
- "Step5D": {
- "id": 0,
- "description": "Age of Insured",
- "order": 5,
- "code": null,
- "subOrder": "D",
- "formula": "[TierFactor(Age Of Insured, {Rater.AgeOfInsured})]",
- "value": 1.178,
- "name": "Step5D"
- },
- "Step6A": {
- "id": 0,
- "description": "Cov E & F",
- "order": 6,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(CovE - CovF, {Rater.CovECovFKey}, null)]",
- "value": 1,
- "name": "Step6A"
- },
- "Step6B": {
- "id": 0,
- "description": "Personal Prop - Repl Cost",
- "order": 6,
- "code": null,
- "subOrder": "B",
- "formula": "[GetPersonalPropertyReplacementCost(Personal Property Replacement Cost, |ToYesNo({Rater.PersonalPropertyReplacementCost})|, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6B"
- },
- "Step6C": {
- "id": 0,
- "description": "Special Personal Prop",
- "order": 6,
- "code": null,
- "subOrder": "C",
- "formula": "[GetSpecialPersonalProperty(Special Personal Property, |ToYesNo({Rater.SpecialPersonalPropertyReplacement})|)]",
- "value": 1.1,
- "name": "Step6C"
- },
- "Step6D": {
- "id": 0,
- "description": "Add'l Replacement Cost Protection - ERC",
- "order": 6,
- "code": null,
- "subOrder": "D",
- "formula": "[GetAdditionalReplacementCost(Additional Replacement Cost Protection - ERC, {Rater.AdditionalReplacementCost}, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6D"
- },
- "Step6E": {
- "id": 0,
- "description": "Enhanced Home Package & Water Backup",
- "order": 6,
- "code": null,
- "subOrder": "E",
- "formula": "[TierFactor(Enhanced Home - Water Backup, {Rater.EnhanceHomeAndWaterBackup}, null)]",
- "value": 1.055,
- "name": "Step6E"
- },
- "Step6F": {
- "id": 0,
- "description": "Modified Loss Settlement",
- "order": 6,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Modified Loss Settlement, null, {Rater.ModifiedLossSettlement})]",
- "value": 1.28,
- "name": "Step6F"
- },
- "Step6H": {
- "id": 0,
- "description": "Ordinance or Law - ILF",
- "order": 6,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Ordinance Law - ILF, null, {Rater.OrdinanceLawFactor})]",
- "value": 1.05,
- "name": "Step6H"
- },
- "Step6J": {
- "id": 0,
- "description": "ACV on Roof Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "J",
- "formula": "[TierFactor(ACV on Roof Endorsement, |ToYesNo({Rater.ACVonRoof})|)]",
- "value": 1,
- "name": "Step6J"
- },
- "Step6K": {
- "id": 0,
- "description": "Difference in Condition Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "K",
- "formula": "[TierFactor(Difference in Condition Endorsement, |ToYesNo({Rater.DifferenceInCondition})|)]",
- "value": 1,
- "name": "Step6K"
- },
- "Step6L": {
- "id": 0,
- "description": "Plumbing Discount",
- "order": 6,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code},Plumbing Discount, {Rater.PlumbingReplacementAge})]",
- "value": 1,
- "name": "Step6L"
- },
- "Step6M": {
- "id": 0,
- "description": "Electrical Discount",
- "order": 6,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Electrical Discount, {Rater.ElectricalReplacementAge})]",
- "value": 1,
- "name": "Step6M"
- },
- "Step6N": {
- "id": 0,
- "description": "HVAC Discount",
- "order": 6,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, HVAC Discount, {Rater.HVACReplacementAge})]",
- "value": 1,
- "name": "Step6N"
- },
- "Step6O": {
- "id": 0,
- "description": "Knox Box discount",
- "order": 6,
- "code": null,
- "subOrder": "O",
- "formula": "[GenerateKnoxBoxFactorValue({Rater.KnoxBox})]",
- "value": 0.97,
- "name": "Step6O"
- },
- "Step6P": {
- "id": 0,
- "description": "Short-term vacation rental",
- "order": 6,
- "code": null,
- "subOrder": "P",
- "formula": "[ShortTermVacationFactorValue({Rater.SecondaryResidence}, {Rater.ShortRental})]",
- "value": 0.8,
- "name": "Step6P"
- },
- "Step7": {
- "id": 0,
- "description": "Multi-Policy Discount",
- "order": 7,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Multi-Policy Discount, {Rater.WithAutomobileUmbrella})]",
- "value": 0.608,
- "name": "Step7"
- },
- "Step7A": {
- "id": 0,
- "description": "Multiple homes written credit",
- "order": 7,
- "code": null,
- "subOrder": "A",
- "formula": "[GetMultipleHomesWrittenCreditFactor({Rater.IsMultipleHomesWrittenCredit})]",
- "value": 0.97,
- "name": "Step7A"
- },
- "Step8A": {
- "id": 0,
- "description": "Safety Seminar Discount (always 1)",
- "order": 8,
- "code": null,
- "subOrder": "A",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Safety Seminar, {Rater.SafetySeminarFixValue})]",
- "value": 1,
- "name": "Step8A"
- },
- "Step8B": {
- "id": 0,
- "description": "Association Discount",
- "order": 8,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, {Peril.Code}, Association Discount, |ToYesNo({Rater.AssociationDiscount})|)]",
- "value": 0.95,
- "name": "Step8B"
- },
- "Step8C": {
- "id": 0,
- "description": "Miles to FD",
- "order": 8,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Miles to FD, {Rater.MilesToFD})]",
- "value": 1,
- "name": "Step8C"
- },
- "Step8D": {
- "id": 0,
- "description": "Add'l Surcharge if Home Business Selected",
- "order": 8,
- "code": null,
- "subOrder": "D",
- "formula": "[HomeBusinessSurchargeFactor({Rater})]",
- "value": 1.08,
- "name": "Step8D"
- }
- }
- },
- {
- "code": "P3",
- "order": 0,
- "name": "P3",
- "value": 0,
- "steps": {
- "Step1": {
- "id": 0,
- "description": "Base Rate",
- "order": 1,
- "code": null,
- "subOrder": "",
- "formula": "[BaseRate({Rater.ProgramCode}, {Peril.Code})]",
- "value": 58.42,
- "name": "Step1"
- },
- "Step2": {
- "id": 0,
- "description": "Territorial Relativity",
- "order": 2,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Territory Factor, {Rater.Territory})]",
- "value": 0.803,
- "name": "Step2"
- },
- "Step3A": {
- "id": 0,
- "description": "Years at Residence (Enter Years)",
- "order": 3,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Years of Residence, null, null, {Rater.YearsOfResidence})]",
- "value": 0,
- "name": "Step3A"
- },
- "Step3B": {
- "id": 0,
- "description": "Cov A & Age of Insured (HO-3)",
- "order": 3,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Cov A Limit and Age of Insured, null, null, |RequestedLimit(CovA)|, {Rater.AgeOfInsured})]",
- "value": 0,
- "name": "Step3B"
- },
- "Step3C": {
- "id": 0,
- "description": "Non-Cat Loss History (3-year) & Excess of 2 Water Claims",
- "order": 3,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, null, Loss History Non-Catastrophe, {Rater.ChargableLimitCode})]+{Rater.WaterChargableLimit.ThreeYear}*[NonPerilTierFactor(null, null, Cause of Loss Additional Surcharge, Water)]",
- "value": 1,
- "name": "Step3C"
- },
- "Step3D": {
- "id": 0,
- "description": "All Year Loss History",
- "order": 3,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Loss History, {Rater.LossHistoryCode})]",
- "value": 0.566,
- "name": "Step3D"
- },
- "Step3E": {
- "id": 0,
- "description": "Rounded Factor",
- "order": 3,
- "code": null,
- "subOrder": "E",
- "formula": "round([StepValue(Step3A)] * [StepValue(Step3B)] * [StepValue(Step3C)] * [StepValue(Step3D)], 3)",
- "value": 0,
- "name": "Step3E"
- },
- "Step3F": {
- "id": 0,
- "description": "Tier",
- "order": 3,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Tier Score, null, null, |StepValue(Step3E)|)]",
- "value": 1,
- "name": "Step3F"
- },
- "Step3G": {
- "id": 0,
- "description": "Final Tier Factor",
- "order": 3,
- "code": null,
- "subOrder": "G",
- "formula": "[TierFactor(Tier Factor, |CheckStepOverrideValue({Rater.TierScoreOverride}, P1, Step3F)|)]",
- "value": 0.796,
- "name": "Step3G"
- },
- "Step4A": {
- "id": 0,
- "description": "Construction Type & Occupancy",
- "order": 4,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Protection Construction, {Rater.ConstructionType}, {Rater.ProtectionClass})]",
- "value": 0.982,
- "name": "Step4A"
- },
- "Step4B": {
- "id": 0,
- "description": "Number of Families",
- "order": 4,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, NumberOfFamilies, {Rater.NumberOfFamilies})]",
- "value": 1,
- "name": "Step4B"
- },
- "Step4C": {
- "id": 0,
- "description": "Deductible Factor",
- "order": 4,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Deductible Factor, {Rater.Deductible}, null, |RequestedLimit(CovA)|)]",
- "value": 0.267,
- "name": "Step4C"
- },
- "Step4D": {
- "id": 0,
- "description": "Age of Home",
- "order": 4,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, AgeOfHome Factor, null, null, {Rater.AgeOfHome})]",
- "value": 1.164,
- "name": "Step4D"
- },
- "Step4E": {
- "id": 0,
- "description": "Fire Devices",
- "order": 4,
- "code": null,
- "subOrder": "E",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Fire Devices, {Rater.FireDevicesCode})]",
- "value": 1,
- "name": "Step4E"
- },
- "Step4F": {
- "id": 0,
- "description": "Theft Devices",
- "order": 4,
- "code": null,
- "subOrder": "F",
- "formula": "[TierFactor(Theft Devices, {Rater.TheftDevicesCode})]",
- "value": 0.9,
- "name": "Step4F"
- },
- "Step4G": {
- "id": 0,
- "description": "Cov A for Dwelling",
- "order": 4,
- "code": null,
- "subOrder": "G",
- "formula": "(1-{Rater.CovADwelingPercentage}) * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingLow})] + {Rater.CovADwelingPercentage} * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingHigh})]",
- "value": 3.60216,
- "name": "Step4G"
- },
- "Step4H": {
- "id": 0,
- "description": "Seasonal Residence",
- "order": 4,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Seasonal Residence, |ToYesNo({Rater.SeasonalResidence})|)]",
- "value": 1.05,
- "name": "Step4H"
- },
- "Step4I": {
- "id": 0,
- "description": "Secondary Residence",
- "order": 4,
- "code": null,
- "subOrder": "I",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Secondary Residence, |ToYesNo({Rater.SecondaryResidence})|)]",
- "value": 1.103,
- "name": "Step4I"
- },
- "Step4J": {
- "id": 0,
- "description": "Months Unoccupied",
- "order": 4,
- "code": null,
- "subOrder": "J",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Months Unoccupied, {Rater.MonthsUnoccupoid})]",
- "value": 1.01,
- "name": "Step4J"
- },
- "Step4K": {
- "id": 0,
- "description": "Wood Stove",
- "order": 4,
- "code": null,
- "subOrder": "K",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Wood Stove, |ToYesNo({Rater.WoodStove})|)]",
- "value": 1,
- "name": "Step4K"
- },
- "Step4L": {
- "id": 0,
- "description": "Log Home",
- "order": 4,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Log Home, |ToYesNo({Rater.LogHome})|)]",
- "value": 1,
- "name": "Step4L"
- },
- "Step4M": {
- "id": 0,
- "description": "Roof Type",
- "order": 4,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Roof Covering, {Rater.RoofType})]",
- "value": 1,
- "name": "Step4M"
- },
- "Step4N": {
- "id": 0,
- "description": "Retrofit Dwelling (Wildfire Only)",
- "order": 4,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Retrofitted Dwelling Factor, |ToYesNo({Rater.RetroFitted})|, {Rater.Territory}, {Rater.YearBuilt})]",
- "value": 1,
- "name": "Step4N"
- },
- "Step5A": {
- "id": 0,
- "description": "Prior Claims Factor",
- "order": 5,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Prior Claim Charge, {Rater.ChargableLimitCode})] + ([TierFactor(Cause of Loss, Fire)] * {Rater.FireChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Liability)] * {Rater.LiabilityChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Theft)] * {Rater.TheftChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Wind)] * {Rater.WindChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Water)] * {Rater.WaterChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Other)] * {Rater.OtherChargableLimit.ThreeYear})",
- "value": 3.716,
- "name": "Step5A"
- },
- "Step5B": {
- "id": 0,
- "description": "Loss Free Discount",
- "order": 5,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Loss Free Discount, {Rater.LossfreeDiscountConditionFactorValue})]",
- "value": 1,
- "name": "Step5B"
- },
- "Step5C": {
- "id": 0,
- "description": "Home Buyer Discount",
- "order": 5,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Home Buyer Discount, {Rater.HomeType}, null, {Rater.AgeOfHome})]",
- "value": 0.98,
- "name": "Step5C"
- },
- "Step5D": {
- "id": 0,
- "description": "Age of Insured",
- "order": 5,
- "code": null,
- "subOrder": "D",
- "formula": "[TierFactor(Age Of Insured, {Rater.AgeOfInsured})]",
- "value": 1.136,
- "name": "Step5D"
- },
- "Step6A": {
- "id": 0,
- "description": "Cov E & F",
- "order": 6,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(CovE - CovF, {Rater.CovECovFKey}, null)]",
- "value": 1,
- "name": "Step6A"
- },
- "Step6B": {
- "id": 0,
- "description": "Personal Prop - Repl Cost",
- "order": 6,
- "code": null,
- "subOrder": "B",
- "formula": "[GetPersonalPropertyReplacementCost(Personal Property Replacement Cost, |ToYesNo({Rater.PersonalPropertyReplacementCost})|, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6B"
- },
- "Step6C": {
- "id": 0,
- "description": "Special Personal Prop",
- "order": 6,
- "code": null,
- "subOrder": "C",
- "formula": "[GetSpecialPersonalProperty(Special Personal Property, |ToYesNo({Rater.SpecialPersonalPropertyReplacement})|)]",
- "value": 1.1,
- "name": "Step6C"
- },
- "Step6D": {
- "id": 0,
- "description": "Add'l Replacement Cost Protection - ERC",
- "order": 6,
- "code": null,
- "subOrder": "D",
- "formula": "[GetAdditionalReplacementCost(Additional Replacement Cost Protection - ERC, {Rater.AdditionalReplacementCost}, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6D"
- },
- "Step6E": {
- "id": 0,
- "description": "Enhanced Home Package & Water Backup",
- "order": 6,
- "code": null,
- "subOrder": "E",
- "formula": "[TierFactor(Enhanced Home - Water Backup, {Rater.EnhanceHomeAndWaterBackup}, null)]",
- "value": 1.319,
- "name": "Step6E"
- },
- "Step6F": {
- "id": 0,
- "description": "Modified Loss Settlement",
- "order": 6,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Modified Loss Settlement, null, {Rater.ModifiedLossSettlement})]",
- "value": 1.28,
- "name": "Step6F"
- },
- "Step6H": {
- "id": 0,
- "description": "Ordinance or Law - ILF",
- "order": 6,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Ordinance Law - ILF, null, {Rater.OrdinanceLawFactor})]",
- "value": 1.05,
- "name": "Step6H"
- },
- "Step6J": {
- "id": 0,
- "description": "ACV on Roof Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "J",
- "formula": "[TierFactor(ACV on Roof Endorsement, |ToYesNo({Rater.ACVonRoof})|)]",
- "value": 1,
- "name": "Step6J"
- },
- "Step6K": {
- "id": 0,
- "description": "Difference in Condition Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "K",
- "formula": "[TierFactor(Difference in Condition Endorsement, |ToYesNo({Rater.DifferenceInCondition})|)]",
- "value": 1,
- "name": "Step6K"
- },
- "Step6L": {
- "id": 0,
- "description": "Plumbing Discount",
- "order": 6,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code},Plumbing Discount, {Rater.PlumbingReplacementAge})]",
- "value": 1,
- "name": "Step6L"
- },
- "Step6M": {
- "id": 0,
- "description": "Electrical Discount",
- "order": 6,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Electrical Discount, {Rater.ElectricalReplacementAge})]",
- "value": 1,
- "name": "Step6M"
- },
- "Step6N": {
- "id": 0,
- "description": "HVAC Discount",
- "order": 6,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, HVAC Discount, {Rater.HVACReplacementAge})]",
- "value": 1,
- "name": "Step6N"
- },
- "Step6O": {
- "id": 0,
- "description": "Knox Box discount",
- "order": 6,
- "code": null,
- "subOrder": "O",
- "formula": "[GenerateKnoxBoxFactorValue({Rater.KnoxBox})]",
- "value": 0.97,
- "name": "Step6O"
- },
- "Step6P": {
- "id": 0,
- "description": "Short-term vacation rental",
- "order": 6,
- "code": null,
- "subOrder": "P",
- "formula": "[ShortTermVacationFactorValue({Rater.SecondaryResidence}, {Rater.ShortRental})]",
- "value": 0.8,
- "name": "Step6P"
- },
- "Step7": {
- "id": 0,
- "description": "Multi-Policy Discount",
- "order": 7,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Multi-Policy Discount, {Rater.WithAutomobileUmbrella})]",
- "value": 0.741,
- "name": "Step7"
- },
- "Step7A": {
- "id": 0,
- "description": "Multiple homes written credit",
- "order": 7,
- "code": null,
- "subOrder": "A",
- "formula": "[GetMultipleHomesWrittenCreditFactor({Rater.IsMultipleHomesWrittenCredit})]",
- "value": 0.97,
- "name": "Step7A"
- },
- "Step8A": {
- "id": 0,
- "description": "Safety Seminar Discount (always 1)",
- "order": 8,
- "code": null,
- "subOrder": "A",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Safety Seminar, {Rater.SafetySeminarFixValue})]",
- "value": 1,
- "name": "Step8A"
- },
- "Step8B": {
- "id": 0,
- "description": "Association Discount",
- "order": 8,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, {Peril.Code}, Association Discount, |ToYesNo({Rater.AssociationDiscount})|)]",
- "value": 0.95,
- "name": "Step8B"
- },
- "Step8C": {
- "id": 0,
- "description": "Miles to FD",
- "order": 8,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Miles to FD, {Rater.MilesToFD})]",
- "value": 1,
- "name": "Step8C"
- },
- "Step8D": {
- "id": 0,
- "description": "Add'l Surcharge if Home Business Selected",
- "order": 8,
- "code": null,
- "subOrder": "D",
- "formula": "[HomeBusinessSurchargeFactor({Rater})]",
- "value": 1.08,
- "name": "Step8D"
- }
- }
- },
- {
- "code": "P4",
- "order": 0,
- "name": "P4",
- "value": 0,
- "steps": {
- "Step1": {
- "id": 0,
- "description": "Base Rate",
- "order": 1,
- "code": null,
- "subOrder": "",
- "formula": "[BaseRate({Rater.ProgramCode}, {Peril.Code})]",
- "value": 22.46,
- "name": "Step1"
- },
- "Step2": {
- "id": 0,
- "description": "Territorial Relativity",
- "order": 2,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Territory Factor, {Rater.Territory})]",
- "value": 1.634,
- "name": "Step2"
- },
- "Step3A": {
- "id": 0,
- "description": "Years at Residence (Enter Years)",
- "order": 3,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Years of Residence, null, null, {Rater.YearsOfResidence})]",
- "value": 0,
- "name": "Step3A"
- },
- "Step3B": {
- "id": 0,
- "description": "Cov A & Age of Insured (HO-3)",
- "order": 3,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Cov A Limit and Age of Insured, null, null, |RequestedLimit(CovA)|, {Rater.AgeOfInsured})]",
- "value": 0,
- "name": "Step3B"
- },
- "Step3C": {
- "id": 0,
- "description": "Non-Cat Loss History (3-year) & Excess of 2 Water Claims",
- "order": 3,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, null, Loss History Non-Catastrophe, {Rater.ChargableLimitCode})]+{Rater.WaterChargableLimit.ThreeYear}*[NonPerilTierFactor(null, null, Cause of Loss Additional Surcharge, Water)]",
- "value": 1,
- "name": "Step3C"
- },
- "Step3D": {
- "id": 0,
- "description": "All Year Loss History",
- "order": 3,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Loss History, {Rater.LossHistoryCode})]",
- "value": 0.566,
- "name": "Step3D"
- },
- "Step3E": {
- "id": 0,
- "description": "Rounded Factor",
- "order": 3,
- "code": null,
- "subOrder": "E",
- "formula": "round([StepValue(Step3A)] * [StepValue(Step3B)] * [StepValue(Step3C)] * [StepValue(Step3D)], 3)",
- "value": 0,
- "name": "Step3E"
- },
- "Step3F": {
- "id": 0,
- "description": "Tier",
- "order": 3,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Tier Score, null, null, |StepValue(Step3E)|)]",
- "value": 1,
- "name": "Step3F"
- },
- "Step3G": {
- "id": 0,
- "description": "Final Tier Factor",
- "order": 3,
- "code": null,
- "subOrder": "G",
- "formula": "[TierFactor(Tier Factor, |CheckStepOverrideValue({Rater.TierScoreOverride}, P1, Step3F)|)]",
- "value": 0.951,
- "name": "Step3G"
- },
- "Step4A": {
- "id": 0,
- "description": "Construction Type & Occupancy",
- "order": 4,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Protection Construction, {Rater.ConstructionType}, {Rater.ProtectionClass})]",
- "value": 1.083,
- "name": "Step4A"
- },
- "Step4B": {
- "id": 0,
- "description": "Number of Families",
- "order": 4,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, NumberOfFamilies, {Rater.NumberOfFamilies})]",
- "value": 1,
- "name": "Step4B"
- },
- "Step4C": {
- "id": 0,
- "description": "Deductible Factor",
- "order": 4,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Deductible Factor, {Rater.Deductible}, null, |RequestedLimit(CovA)|)]",
- "value": 0.654,
- "name": "Step4C"
- },
- "Step4D": {
- "id": 0,
- "description": "Age of Home",
- "order": 4,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, AgeOfHome Factor, null, null, {Rater.AgeOfHome})]",
- "value": 1.017,
- "name": "Step4D"
- },
- "Step4E": {
- "id": 0,
- "description": "Fire Devices",
- "order": 4,
- "code": null,
- "subOrder": "E",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Fire Devices, {Rater.FireDevicesCode})]",
- "value": 1,
- "name": "Step4E"
- },
- "Step4F": {
- "id": 0,
- "description": "Theft Devices",
- "order": 4,
- "code": null,
- "subOrder": "F",
- "formula": "[TierFactor(Theft Devices, {Rater.TheftDevicesCode})]",
- "value": 1,
- "name": "Step4F"
- },
- "Step4G": {
- "id": 0,
- "description": "Cov A for Dwelling",
- "order": 4,
- "code": null,
- "subOrder": "G",
- "formula": "(1-{Rater.CovADwelingPercentage}) * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingLow})] + {Rater.CovADwelingPercentage} * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingHigh})]",
- "value": 4.059118,
- "name": "Step4G"
- },
- "Step4H": {
- "id": 0,
- "description": "Seasonal Residence",
- "order": 4,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Seasonal Residence, |ToYesNo({Rater.SeasonalResidence})|)]",
- "value": 1.05,
- "name": "Step4H"
- },
- "Step4I": {
- "id": 0,
- "description": "Secondary Residence",
- "order": 4,
- "code": null,
- "subOrder": "I",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Secondary Residence, |ToYesNo({Rater.SecondaryResidence})|)]",
- "value": 1.103,
- "name": "Step4I"
- },
- "Step4J": {
- "id": 0,
- "description": "Months Unoccupied",
- "order": 4,
- "code": null,
- "subOrder": "J",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Months Unoccupied, {Rater.MonthsUnoccupoid})]",
- "value": 1.01,
- "name": "Step4J"
- },
- "Step4K": {
- "id": 0,
- "description": "Wood Stove",
- "order": 4,
- "code": null,
- "subOrder": "K",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Wood Stove, |ToYesNo({Rater.WoodStove})|)]",
- "value": 1,
- "name": "Step4K"
- },
- "Step4L": {
- "id": 0,
- "description": "Log Home",
- "order": 4,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Log Home, |ToYesNo({Rater.LogHome})|)]",
- "value": 1,
- "name": "Step4L"
- },
- "Step4M": {
- "id": 0,
- "description": "Roof Type",
- "order": 4,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Roof Covering, {Rater.RoofType})]",
- "value": 0.95,
- "name": "Step4M"
- },
- "Step4N": {
- "id": 0,
- "description": "Retrofit Dwelling (Wildfire Only)",
- "order": 4,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Retrofitted Dwelling Factor, |ToYesNo({Rater.RetroFitted})|, {Rater.Territory}, {Rater.YearBuilt})]",
- "value": 1,
- "name": "Step4N"
- },
- "Step5A": {
- "id": 0,
- "description": "Prior Claims Factor",
- "order": 5,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Prior Claim Charge, {Rater.ChargableLimitCode})] + ([TierFactor(Cause of Loss, Fire)] * {Rater.FireChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Liability)] * {Rater.LiabilityChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Theft)] * {Rater.TheftChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Wind)] * {Rater.WindChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Water)] * {Rater.WaterChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Other)] * {Rater.OtherChargableLimit.ThreeYear})",
- "value": 1.467,
- "name": "Step5A"
- },
- "Step5B": {
- "id": 0,
- "description": "Loss Free Discount",
- "order": 5,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Loss Free Discount, {Rater.LossfreeDiscountConditionFactorValue})]",
- "value": 1,
- "name": "Step5B"
- },
- "Step5C": {
- "id": 0,
- "description": "Home Buyer Discount",
- "order": 5,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Home Buyer Discount, {Rater.HomeType}, null, {Rater.AgeOfHome})]",
- "value": 0.98,
- "name": "Step5C"
- },
- "Step5D": {
- "id": 0,
- "description": "Age of Insured",
- "order": 5,
- "code": null,
- "subOrder": "D",
- "formula": "[TierFactor(Age Of Insured, {Rater.AgeOfInsured})]",
- "value": 1.039,
- "name": "Step5D"
- },
- "Step6A": {
- "id": 0,
- "description": "Cov E & F",
- "order": 6,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(CovE - CovF, {Rater.CovECovFKey}, null)]",
- "value": 1,
- "name": "Step6A"
- },
- "Step6B": {
- "id": 0,
- "description": "Personal Prop - Repl Cost",
- "order": 6,
- "code": null,
- "subOrder": "B",
- "formula": "[GetPersonalPropertyReplacementCost(Personal Property Replacement Cost, |ToYesNo({Rater.PersonalPropertyReplacementCost})|, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6B"
- },
- "Step6C": {
- "id": 0,
- "description": "Special Personal Prop",
- "order": 6,
- "code": null,
- "subOrder": "C",
- "formula": "[GetSpecialPersonalProperty(Special Personal Property, |ToYesNo({Rater.SpecialPersonalPropertyReplacement})|)]",
- "value": 1.1,
- "name": "Step6C"
- },
- "Step6D": {
- "id": 0,
- "description": "Add'l Replacement Cost Protection - ERC",
- "order": 6,
- "code": null,
- "subOrder": "D",
- "formula": "[GetAdditionalReplacementCost(Additional Replacement Cost Protection - ERC, {Rater.AdditionalReplacementCost}, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6D"
- },
- "Step6E": {
- "id": 0,
- "description": "Enhanced Home Package & Water Backup",
- "order": 6,
- "code": null,
- "subOrder": "E",
- "formula": "[TierFactor(Enhanced Home - Water Backup, {Rater.EnhanceHomeAndWaterBackup}, null)]",
- "value": 1.141,
- "name": "Step6E"
- },
- "Step6F": {
- "id": 0,
- "description": "Modified Loss Settlement",
- "order": 6,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Modified Loss Settlement, null, {Rater.ModifiedLossSettlement})]",
- "value": 1.28,
- "name": "Step6F"
- },
- "Step6H": {
- "id": 0,
- "description": "Ordinance or Law - ILF",
- "order": 6,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Ordinance Law - ILF, null, {Rater.OrdinanceLawFactor})]",
- "value": 1.05,
- "name": "Step6H"
- },
- "Step6J": {
- "id": 0,
- "description": "ACV on Roof Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "J",
- "formula": "[TierFactor(ACV on Roof Endorsement, |ToYesNo({Rater.ACVonRoof})|)]",
- "value": 1,
- "name": "Step6J"
- },
- "Step6K": {
- "id": 0,
- "description": "Difference in Condition Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "K",
- "formula": "[TierFactor(Difference in Condition Endorsement, |ToYesNo({Rater.DifferenceInCondition})|)]",
- "value": 1,
- "name": "Step6K"
- },
- "Step6L": {
- "id": 0,
- "description": "Plumbing Discount",
- "order": 6,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code},Plumbing Discount, {Rater.PlumbingReplacementAge})]",
- "value": 1,
- "name": "Step6L"
- },
- "Step6M": {
- "id": 0,
- "description": "Electrical Discount",
- "order": 6,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Electrical Discount, {Rater.ElectricalReplacementAge})]",
- "value": 1,
- "name": "Step6M"
- },
- "Step6N": {
- "id": 0,
- "description": "HVAC Discount",
- "order": 6,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, HVAC Discount, {Rater.HVACReplacementAge})]",
- "value": 1,
- "name": "Step6N"
- },
- "Step6O": {
- "id": 0,
- "description": "Knox Box discount",
- "order": 6,
- "code": null,
- "subOrder": "O",
- "formula": "[GenerateKnoxBoxFactorValue({Rater.KnoxBox})]",
- "value": 0.97,
- "name": "Step6O"
- },
- "Step6P": {
- "id": 0,
- "description": "Short-term vacation rental",
- "order": 6,
- "code": null,
- "subOrder": "P",
- "formula": "[ShortTermVacationFactorValue({Rater.SecondaryResidence}, {Rater.ShortRental})]",
- "value": 0.8,
- "name": "Step6P"
- },
- "Step7": {
- "id": 0,
- "description": "Multi-Policy Discount",
- "order": 7,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Multi-Policy Discount, {Rater.WithAutomobileUmbrella})]",
- "value": 0.727,
- "name": "Step7"
- },
- "Step7A": {
- "id": 0,
- "description": "Multiple homes written credit",
- "order": 7,
- "code": null,
- "subOrder": "A",
- "formula": "[GetMultipleHomesWrittenCreditFactor({Rater.IsMultipleHomesWrittenCredit})]",
- "value": 0.97,
- "name": "Step7A"
- },
- "Step8A": {
- "id": 0,
- "description": "Safety Seminar Discount (always 1)",
- "order": 8,
- "code": null,
- "subOrder": "A",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Safety Seminar, {Rater.SafetySeminarFixValue})]",
- "value": 1,
- "name": "Step8A"
- },
- "Step8B": {
- "id": 0,
- "description": "Association Discount",
- "order": 8,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, {Peril.Code}, Association Discount, |ToYesNo({Rater.AssociationDiscount})|)]",
- "value": 0.95,
- "name": "Step8B"
- },
- "Step8C": {
- "id": 0,
- "description": "Miles to FD",
- "order": 8,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Miles to FD, {Rater.MilesToFD})]",
- "value": 1,
- "name": "Step8C"
- },
- "Step8D": {
- "id": 0,
- "description": "Add'l Surcharge if Home Business Selected",
- "order": 8,
- "code": null,
- "subOrder": "D",
- "formula": "[HomeBusinessSurchargeFactor({Rater})]",
- "value": 1.08,
- "name": "Step8D"
- }
- }
- },
- {
- "code": "P5",
- "order": 0,
- "name": "P5",
- "value": 0,
- "steps": {
- "Step1": {
- "id": 0,
- "description": "Base Rate",
- "order": 1,
- "code": null,
- "subOrder": "",
- "formula": "[BaseRate({Rater.ProgramCode}, {Peril.Code})]",
- "value": 169.73,
- "name": "Step1"
- },
- "Step2": {
- "id": 0,
- "description": "Territorial Relativity",
- "order": 2,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Territory Factor, {Rater.Territory})]",
- "value": 0.495,
- "name": "Step2"
- },
- "Step3A": {
- "id": 0,
- "description": "Years at Residence (Enter Years)",
- "order": 3,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Years of Residence, null, null, {Rater.YearsOfResidence})]",
- "value": 0,
- "name": "Step3A"
- },
- "Step3B": {
- "id": 0,
- "description": "Cov A & Age of Insured (HO-3)",
- "order": 3,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Cov A Limit and Age of Insured, null, null, |RequestedLimit(CovA)|, {Rater.AgeOfInsured})]",
- "value": 0,
- "name": "Step3B"
- },
- "Step3C": {
- "id": 0,
- "description": "Non-Cat Loss History (3-year) & Excess of 2 Water Claims",
- "order": 3,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, null, Loss History Non-Catastrophe, {Rater.ChargableLimitCode})]+{Rater.WaterChargableLimit.ThreeYear}*[NonPerilTierFactor(null, null, Cause of Loss Additional Surcharge, Water)]",
- "value": 1,
- "name": "Step3C"
- },
- "Step3D": {
- "id": 0,
- "description": "All Year Loss History",
- "order": 3,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Loss History, {Rater.LossHistoryCode})]",
- "value": 0.566,
- "name": "Step3D"
- },
- "Step3E": {
- "id": 0,
- "description": "Rounded Factor",
- "order": 3,
- "code": null,
- "subOrder": "E",
- "formula": "round([StepValue(Step3A)] * [StepValue(Step3B)] * [StepValue(Step3C)] * [StepValue(Step3D)], 3)",
- "value": 0,
- "name": "Step3E"
- },
- "Step3F": {
- "id": 0,
- "description": "Tier",
- "order": 3,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Tier Score, null, null, |StepValue(Step3E)|)]",
- "value": 1,
- "name": "Step3F"
- },
- "Step3G": {
- "id": 0,
- "description": "Final Tier Factor",
- "order": 3,
- "code": null,
- "subOrder": "G",
- "formula": "[TierFactor(Tier Factor, |CheckStepOverrideValue({Rater.TierScoreOverride}, P1, Step3F)|)]",
- "value": 0.908,
- "name": "Step3G"
- },
- "Step4A": {
- "id": 0,
- "description": "Construction Type & Occupancy",
- "order": 4,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Protection Construction, {Rater.ConstructionType}, {Rater.ProtectionClass})]",
- "value": 0.943,
- "name": "Step4A"
- },
- "Step4B": {
- "id": 0,
- "description": "Number of Families",
- "order": 4,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, NumberOfFamilies, {Rater.NumberOfFamilies})]",
- "value": 1,
- "name": "Step4B"
- },
- "Step4C": {
- "id": 0,
- "description": "Deductible Factor",
- "order": 4,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Deductible Factor, {Rater.Deductible}, null, |RequestedLimit(CovA)|)]",
- "value": 0.724,
- "name": "Step4C"
- },
- "Step4D": {
- "id": 0,
- "description": "Age of Home",
- "order": 4,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, AgeOfHome Factor, null, null, {Rater.AgeOfHome})]",
- "value": 0.926,
- "name": "Step4D"
- },
- "Step4E": {
- "id": 0,
- "description": "Fire Devices",
- "order": 4,
- "code": null,
- "subOrder": "E",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Fire Devices, {Rater.FireDevicesCode})]",
- "value": 1,
- "name": "Step4E"
- },
- "Step4F": {
- "id": 0,
- "description": "Theft Devices",
- "order": 4,
- "code": null,
- "subOrder": "F",
- "formula": "[TierFactor(Theft Devices, {Rater.TheftDevicesCode})]",
- "value": 1,
- "name": "Step4F"
- },
- "Step4G": {
- "id": 0,
- "description": "Cov A for Dwelling",
- "order": 4,
- "code": null,
- "subOrder": "G",
- "formula": "(1-{Rater.CovADwelingPercentage}) * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingLow})] + {Rater.CovADwelingPercentage} * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingHigh})]",
- "value": 7.443058,
- "name": "Step4G"
- },
- "Step4H": {
- "id": 0,
- "description": "Seasonal Residence",
- "order": 4,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Seasonal Residence, |ToYesNo({Rater.SeasonalResidence})|)]",
- "value": 1.1,
- "name": "Step4H"
- },
- "Step4I": {
- "id": 0,
- "description": "Secondary Residence",
- "order": 4,
- "code": null,
- "subOrder": "I",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Secondary Residence, |ToYesNo({Rater.SecondaryResidence})|)]",
- "value": 1.155,
- "name": "Step4I"
- },
- "Step4J": {
- "id": 0,
- "description": "Months Unoccupied",
- "order": 4,
- "code": null,
- "subOrder": "J",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Months Unoccupied, {Rater.MonthsUnoccupoid})]",
- "value": 1.02,
- "name": "Step4J"
- },
- "Step4K": {
- "id": 0,
- "description": "Wood Stove",
- "order": 4,
- "code": null,
- "subOrder": "K",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Wood Stove, |ToYesNo({Rater.WoodStove})|)]",
- "value": 1,
- "name": "Step4K"
- },
- "Step4L": {
- "id": 0,
- "description": "Log Home",
- "order": 4,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Log Home, |ToYesNo({Rater.LogHome})|)]",
- "value": 1,
- "name": "Step4L"
- },
- "Step4M": {
- "id": 0,
- "description": "Roof Type",
- "order": 4,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Roof Covering, {Rater.RoofType})]",
- "value": 1,
- "name": "Step4M"
- },
- "Step4N": {
- "id": 0,
- "description": "Retrofit Dwelling (Wildfire Only)",
- "order": 4,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Retrofitted Dwelling Factor, |ToYesNo({Rater.RetroFitted})|, {Rater.Territory}, {Rater.YearBuilt})]",
- "value": 1,
- "name": "Step4N"
- },
- "Step5A": {
- "id": 0,
- "description": "Prior Claims Factor",
- "order": 5,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Prior Claim Charge, {Rater.ChargableLimitCode})] + ([TierFactor(Cause of Loss, Fire)] * {Rater.FireChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Liability)] * {Rater.LiabilityChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Theft)] * {Rater.TheftChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Wind)] * {Rater.WindChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Water)] * {Rater.WaterChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Other)] * {Rater.OtherChargableLimit.ThreeYear})",
- "value": 2.286,
- "name": "Step5A"
- },
- "Step5B": {
- "id": 0,
- "description": "Loss Free Discount",
- "order": 5,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Loss Free Discount, {Rater.LossfreeDiscountConditionFactorValue})]",
- "value": 1,
- "name": "Step5B"
- },
- "Step5C": {
- "id": 0,
- "description": "Home Buyer Discount",
- "order": 5,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Home Buyer Discount, {Rater.HomeType}, null, {Rater.AgeOfHome})]",
- "value": 0.98,
- "name": "Step5C"
- },
- "Step5D": {
- "id": 0,
- "description": "Age of Insured",
- "order": 5,
- "code": null,
- "subOrder": "D",
- "formula": "[TierFactor(Age Of Insured, {Rater.AgeOfInsured})]",
- "value": 0.949,
- "name": "Step5D"
- },
- "Step6A": {
- "id": 0,
- "description": "Cov E & F",
- "order": 6,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(CovE - CovF, {Rater.CovECovFKey}, null)]",
- "value": 1,
- "name": "Step6A"
- },
- "Step6B": {
- "id": 0,
- "description": "Personal Prop - Repl Cost",
- "order": 6,
- "code": null,
- "subOrder": "B",
- "formula": "[GetPersonalPropertyReplacementCost(Personal Property Replacement Cost, |ToYesNo({Rater.PersonalPropertyReplacementCost})|, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6B"
- },
- "Step6C": {
- "id": 0,
- "description": "Special Personal Prop",
- "order": 6,
- "code": null,
- "subOrder": "C",
- "formula": "[GetSpecialPersonalProperty(Special Personal Property, |ToYesNo({Rater.SpecialPersonalPropertyReplacement})|)]",
- "value": 1.1,
- "name": "Step6C"
- },
- "Step6D": {
- "id": 0,
- "description": "Add'l Replacement Cost Protection - ERC",
- "order": 6,
- "code": null,
- "subOrder": "D",
- "formula": "[GetAdditionalReplacementCost(Additional Replacement Cost Protection - ERC, {Rater.AdditionalReplacementCost}, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6D"
- },
- "Step6E": {
- "id": 0,
- "description": "Enhanced Home Package & Water Backup",
- "order": 6,
- "code": null,
- "subOrder": "E",
- "formula": "[TierFactor(Enhanced Home - Water Backup, {Rater.EnhanceHomeAndWaterBackup}, null)]",
- "value": 2.082,
- "name": "Step6E"
- },
- "Step6F": {
- "id": 0,
- "description": "Modified Loss Settlement",
- "order": 6,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Modified Loss Settlement, null, {Rater.ModifiedLossSettlement})]",
- "value": 1.28,
- "name": "Step6F"
- },
- "Step6H": {
- "id": 0,
- "description": "Ordinance or Law - ILF",
- "order": 6,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Ordinance Law - ILF, null, {Rater.OrdinanceLawFactor})]",
- "value": 1.05,
- "name": "Step6H"
- },
- "Step6J": {
- "id": 0,
- "description": "ACV on Roof Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "J",
- "formula": "[TierFactor(ACV on Roof Endorsement, |ToYesNo({Rater.ACVonRoof})|)]",
- "value": 1,
- "name": "Step6J"
- },
- "Step6K": {
- "id": 0,
- "description": "Difference in Condition Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "K",
- "formula": "[TierFactor(Difference in Condition Endorsement, |ToYesNo({Rater.DifferenceInCondition})|)]",
- "value": 1,
- "name": "Step6K"
- },
- "Step6L": {
- "id": 0,
- "description": "Plumbing Discount",
- "order": 6,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code},Plumbing Discount, {Rater.PlumbingReplacementAge})]",
- "value": 0.654,
- "name": "Step6L"
- },
- "Step6M": {
- "id": 0,
- "description": "Electrical Discount",
- "order": 6,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Electrical Discount, {Rater.ElectricalReplacementAge})]",
- "value": 1,
- "name": "Step6M"
- },
- "Step6N": {
- "id": 0,
- "description": "HVAC Discount",
- "order": 6,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, HVAC Discount, {Rater.HVACReplacementAge})]",
- "value": 1,
- "name": "Step6N"
- },
- "Step6O": {
- "id": 0,
- "description": "Knox Box discount",
- "order": 6,
- "code": null,
- "subOrder": "O",
- "formula": "[GenerateKnoxBoxFactorValue({Rater.KnoxBox})]",
- "value": 0.97,
- "name": "Step6O"
- },
- "Step6P": {
- "id": 0,
- "description": "Short-term vacation rental",
- "order": 6,
- "code": null,
- "subOrder": "P",
- "formula": "[ShortTermVacationFactorValue({Rater.SecondaryResidence}, {Rater.ShortRental})]",
- "value": 0.8,
- "name": "Step6P"
- },
- "Step7": {
- "id": 0,
- "description": "Multi-Policy Discount",
- "order": 7,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Multi-Policy Discount, {Rater.WithAutomobileUmbrella})]",
- "value": 0.9,
- "name": "Step7"
- },
- "Step7A": {
- "id": 0,
- "description": "Multiple homes written credit",
- "order": 7,
- "code": null,
- "subOrder": "A",
- "formula": "[GetMultipleHomesWrittenCreditFactor({Rater.IsMultipleHomesWrittenCredit})]",
- "value": 0.97,
- "name": "Step7A"
- },
- "Step8A": {
- "id": 0,
- "description": "Safety Seminar Discount (always 1)",
- "order": 8,
- "code": null,
- "subOrder": "A",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Safety Seminar, {Rater.SafetySeminarFixValue})]",
- "value": 1,
- "name": "Step8A"
- },
- "Step8B": {
- "id": 0,
- "description": "Association Discount",
- "order": 8,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, {Peril.Code}, Association Discount, |ToYesNo({Rater.AssociationDiscount})|)]",
- "value": 0.95,
- "name": "Step8B"
- },
- "Step8C": {
- "id": 0,
- "description": "Miles to FD",
- "order": 8,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Miles to FD, {Rater.MilesToFD})]",
- "value": 1,
- "name": "Step8C"
- },
- "Step8D": {
- "id": 0,
- "description": "Add'l Surcharge if Home Business Selected",
- "order": 8,
- "code": null,
- "subOrder": "D",
- "formula": "[HomeBusinessSurchargeFactor({Rater})]",
- "value": 1.08,
- "name": "Step8D"
- }
- }
- },
- {
- "code": "P6",
- "order": 0,
- "name": "P6",
- "value": 0,
- "steps": {
- "Step1": {
- "id": 0,
- "description": "Base Rate",
- "order": 1,
- "code": null,
- "subOrder": "",
- "formula": "[BaseRate({Rater.ProgramCode}, {Peril.Code})]",
- "value": 16.49,
- "name": "Step1"
- },
- "Step2": {
- "id": 0,
- "description": "Territorial Relativity",
- "order": 2,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Territory Factor, {Rater.Territory})]",
- "value": 1.086,
- "name": "Step2"
- },
- "Step3A": {
- "id": 0,
- "description": "Years at Residence (Enter Years)",
- "order": 3,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Years of Residence, null, null, {Rater.YearsOfResidence})]",
- "value": 0,
- "name": "Step3A"
- },
- "Step3B": {
- "id": 0,
- "description": "Cov A & Age of Insured (HO-3)",
- "order": 3,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Cov A Limit and Age of Insured, null, null, |RequestedLimit(CovA)|, {Rater.AgeOfInsured})]",
- "value": 0,
- "name": "Step3B"
- },
- "Step3C": {
- "id": 0,
- "description": "Non-Cat Loss History (3-year) & Excess of 2 Water Claims",
- "order": 3,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, null, Loss History Non-Catastrophe, {Rater.ChargableLimitCode})]+{Rater.WaterChargableLimit.ThreeYear}*[NonPerilTierFactor(null, null, Cause of Loss Additional Surcharge, Water)]",
- "value": 1,
- "name": "Step3C"
- },
- "Step3D": {
- "id": 0,
- "description": "All Year Loss History",
- "order": 3,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Loss History, {Rater.LossHistoryCode})]",
- "value": 0.566,
- "name": "Step3D"
- },
- "Step3E": {
- "id": 0,
- "description": "Rounded Factor",
- "order": 3,
- "code": null,
- "subOrder": "E",
- "formula": "round([StepValue(Step3A)] * [StepValue(Step3B)] * [StepValue(Step3C)] * [StepValue(Step3D)], 3)",
- "value": 0,
- "name": "Step3E"
- },
- "Step3F": {
- "id": 0,
- "description": "Tier",
- "order": 3,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Tier Score, null, null, |StepValue(Step3E)|)]",
- "value": 1,
- "name": "Step3F"
- },
- "Step3G": {
- "id": 0,
- "description": "Final Tier Factor",
- "order": 3,
- "code": null,
- "subOrder": "G",
- "formula": "[TierFactor(Tier Factor, |CheckStepOverrideValue({Rater.TierScoreOverride}, P1, Step3F)|)]",
- "value": 0.869,
- "name": "Step3G"
- },
- "Step4A": {
- "id": 0,
- "description": "Construction Type & Occupancy",
- "order": 4,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Protection Construction, {Rater.ConstructionType}, {Rater.ProtectionClass})]",
- "value": 0.918,
- "name": "Step4A"
- },
- "Step4B": {
- "id": 0,
- "description": "Number of Families",
- "order": 4,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, NumberOfFamilies, {Rater.NumberOfFamilies})]",
- "value": 1,
- "name": "Step4B"
- },
- "Step4C": {
- "id": 0,
- "description": "Deductible Factor",
- "order": 4,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Deductible Factor, {Rater.Deductible}, null, |RequestedLimit(CovA)|)]",
- "value": 0.586,
- "name": "Step4C"
- },
- "Step4D": {
- "id": 0,
- "description": "Age of Home",
- "order": 4,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, AgeOfHome Factor, null, null, {Rater.AgeOfHome})]",
- "value": 1.253,
- "name": "Step4D"
- },
- "Step4E": {
- "id": 0,
- "description": "Fire Devices",
- "order": 4,
- "code": null,
- "subOrder": "E",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Fire Devices, {Rater.FireDevicesCode})]",
- "value": 1,
- "name": "Step4E"
- },
- "Step4F": {
- "id": 0,
- "description": "Theft Devices",
- "order": 4,
- "code": null,
- "subOrder": "F",
- "formula": "[TierFactor(Theft Devices, {Rater.TheftDevicesCode})]",
- "value": 1,
- "name": "Step4F"
- },
- "Step4G": {
- "id": 0,
- "description": "Cov A for Dwelling",
- "order": 4,
- "code": null,
- "subOrder": "G",
- "formula": "(1-{Rater.CovADwelingPercentage}) * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingLow})] + {Rater.CovADwelingPercentage} * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingHigh})]",
- "value": 3.798964,
- "name": "Step4G"
- },
- "Step4H": {
- "id": 0,
- "description": "Seasonal Residence",
- "order": 4,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Seasonal Residence, |ToYesNo({Rater.SeasonalResidence})|)]",
- "value": 1,
- "name": "Step4H"
- },
- "Step4I": {
- "id": 0,
- "description": "Secondary Residence",
- "order": 4,
- "code": null,
- "subOrder": "I",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Secondary Residence, |ToYesNo({Rater.SecondaryResidence})|)]",
- "value": 1.05,
- "name": "Step4I"
- },
- "Step4J": {
- "id": 0,
- "description": "Months Unoccupied",
- "order": 4,
- "code": null,
- "subOrder": "J",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Months Unoccupied, {Rater.MonthsUnoccupoid})]",
- "value": 1,
- "name": "Step4J"
- },
- "Step4K": {
- "id": 0,
- "description": "Wood Stove",
- "order": 4,
- "code": null,
- "subOrder": "K",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Wood Stove, |ToYesNo({Rater.WoodStove})|)]",
- "value": 1,
- "name": "Step4K"
- },
- "Step4L": {
- "id": 0,
- "description": "Log Home",
- "order": 4,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Log Home, |ToYesNo({Rater.LogHome})|)]",
- "value": 1,
- "name": "Step4L"
- },
- "Step4M": {
- "id": 0,
- "description": "Roof Type",
- "order": 4,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Roof Covering, {Rater.RoofType})]",
- "value": 1,
- "name": "Step4M"
- },
- "Step4N": {
- "id": 0,
- "description": "Retrofit Dwelling (Wildfire Only)",
- "order": 4,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Retrofitted Dwelling Factor, |ToYesNo({Rater.RetroFitted})|, {Rater.Territory}, {Rater.YearBuilt})]",
- "value": 1,
- "name": "Step4N"
- },
- "Step5A": {
- "id": 0,
- "description": "Prior Claims Factor",
- "order": 5,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Prior Claim Charge, {Rater.ChargableLimitCode})] + ([TierFactor(Cause of Loss, Fire)] * {Rater.FireChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Liability)] * {Rater.LiabilityChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Theft)] * {Rater.TheftChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Wind)] * {Rater.WindChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Water)] * {Rater.WaterChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Other)] * {Rater.OtherChargableLimit.ThreeYear})",
- "value": 4.698,
- "name": "Step5A"
- },
- "Step5B": {
- "id": 0,
- "description": "Loss Free Discount",
- "order": 5,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Loss Free Discount, {Rater.LossfreeDiscountConditionFactorValue})]",
- "value": 1,
- "name": "Step5B"
- },
- "Step5C": {
- "id": 0,
- "description": "Home Buyer Discount",
- "order": 5,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Home Buyer Discount, {Rater.HomeType}, null, {Rater.AgeOfHome})]",
- "value": 0.98,
- "name": "Step5C"
- },
- "Step5D": {
- "id": 0,
- "description": "Age of Insured",
- "order": 5,
- "code": null,
- "subOrder": "D",
- "formula": "[TierFactor(Age Of Insured, {Rater.AgeOfInsured})]",
- "value": 1.001,
- "name": "Step5D"
- },
- "Step6A": {
- "id": 0,
- "description": "Cov E & F",
- "order": 6,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(CovE - CovF, {Rater.CovECovFKey}, null)]",
- "value": 1,
- "name": "Step6A"
- },
- "Step6B": {
- "id": 0,
- "description": "Personal Prop - Repl Cost",
- "order": 6,
- "code": null,
- "subOrder": "B",
- "formula": "[GetPersonalPropertyReplacementCost(Personal Property Replacement Cost, |ToYesNo({Rater.PersonalPropertyReplacementCost})|, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6B"
- },
- "Step6C": {
- "id": 0,
- "description": "Special Personal Prop",
- "order": 6,
- "code": null,
- "subOrder": "C",
- "formula": "[GetSpecialPersonalProperty(Special Personal Property, |ToYesNo({Rater.SpecialPersonalPropertyReplacement})|)]",
- "value": 1.1,
- "name": "Step6C"
- },
- "Step6D": {
- "id": 0,
- "description": "Add'l Replacement Cost Protection - ERC",
- "order": 6,
- "code": null,
- "subOrder": "D",
- "formula": "[GetAdditionalReplacementCost(Additional Replacement Cost Protection - ERC, {Rater.AdditionalReplacementCost}, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6D"
- },
- "Step6E": {
- "id": 0,
- "description": "Enhanced Home Package & Water Backup",
- "order": 6,
- "code": null,
- "subOrder": "E",
- "formula": "[TierFactor(Enhanced Home - Water Backup, {Rater.EnhanceHomeAndWaterBackup}, null)]",
- "value": 1.104,
- "name": "Step6E"
- },
- "Step6F": {
- "id": 0,
- "description": "Modified Loss Settlement",
- "order": 6,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Modified Loss Settlement, null, {Rater.ModifiedLossSettlement})]",
- "value": 1.28,
- "name": "Step6F"
- },
- "Step6H": {
- "id": 0,
- "description": "Ordinance or Law - ILF",
- "order": 6,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Ordinance Law - ILF, null, {Rater.OrdinanceLawFactor})]",
- "value": 1.05,
- "name": "Step6H"
- },
- "Step6J": {
- "id": 0,
- "description": "ACV on Roof Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "J",
- "formula": "[TierFactor(ACV on Roof Endorsement, |ToYesNo({Rater.ACVonRoof})|)]",
- "value": 1,
- "name": "Step6J"
- },
- "Step6K": {
- "id": 0,
- "description": "Difference in Condition Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "K",
- "formula": "[TierFactor(Difference in Condition Endorsement, |ToYesNo({Rater.DifferenceInCondition})|)]",
- "value": 1,
- "name": "Step6K"
- },
- "Step6L": {
- "id": 0,
- "description": "Plumbing Discount",
- "order": 6,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code},Plumbing Discount, {Rater.PlumbingReplacementAge})]",
- "value": 1,
- "name": "Step6L"
- },
- "Step6M": {
- "id": 0,
- "description": "Electrical Discount",
- "order": 6,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Electrical Discount, {Rater.ElectricalReplacementAge})]",
- "value": 1,
- "name": "Step6M"
- },
- "Step6N": {
- "id": 0,
- "description": "HVAC Discount",
- "order": 6,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, HVAC Discount, {Rater.HVACReplacementAge})]",
- "value": 1,
- "name": "Step6N"
- },
- "Step6O": {
- "id": 0,
- "description": "Knox Box discount",
- "order": 6,
- "code": null,
- "subOrder": "O",
- "formula": "[GenerateKnoxBoxFactorValue({Rater.KnoxBox})]",
- "value": 0.97,
- "name": "Step6O"
- },
- "Step6P": {
- "id": 0,
- "description": "Short-term vacation rental",
- "order": 6,
- "code": null,
- "subOrder": "P",
- "formula": "[ShortTermVacationFactorValue({Rater.SecondaryResidence}, {Rater.ShortRental})]",
- "value": 0.8,
- "name": "Step6P"
- },
- "Step7": {
- "id": 0,
- "description": "Multi-Policy Discount",
- "order": 7,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Multi-Policy Discount, {Rater.WithAutomobileUmbrella})]",
- "value": 0.77,
- "name": "Step7"
- },
- "Step7A": {
- "id": 0,
- "description": "Multiple homes written credit",
- "order": 7,
- "code": null,
- "subOrder": "A",
- "formula": "[GetMultipleHomesWrittenCreditFactor({Rater.IsMultipleHomesWrittenCredit})]",
- "value": 0.97,
- "name": "Step7A"
- },
- "Step8A": {
- "id": 0,
- "description": "Safety Seminar Discount (always 1)",
- "order": 8,
- "code": null,
- "subOrder": "A",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Safety Seminar, {Rater.SafetySeminarFixValue})]",
- "value": 1,
- "name": "Step8A"
- },
- "Step8B": {
- "id": 0,
- "description": "Association Discount",
- "order": 8,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, {Peril.Code}, Association Discount, |ToYesNo({Rater.AssociationDiscount})|)]",
- "value": 0.95,
- "name": "Step8B"
- },
- "Step8C": {
- "id": 0,
- "description": "Miles to FD",
- "order": 8,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Miles to FD, {Rater.MilesToFD})]",
- "value": 1,
- "name": "Step8C"
- },
- "Step8D": {
- "id": 0,
- "description": "Add'l Surcharge if Home Business Selected",
- "order": 8,
- "code": null,
- "subOrder": "D",
- "formula": "[HomeBusinessSurchargeFactor({Rater})]",
- "value": 1.08,
- "name": "Step8D"
- }
- }
- },
- {
- "code": "P7",
- "order": 0,
- "name": "P7",
- "value": 0,
- "steps": {
- "Step1": {
- "id": 0,
- "description": "Base Rate",
- "order": 1,
- "code": null,
- "subOrder": "",
- "formula": "[BaseRate({Rater.ProgramCode}, {Peril.Code})]",
- "value": 47.54,
- "name": "Step1"
- },
- "Step2": {
- "id": 0,
- "description": "Territorial Relativity",
- "order": 2,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Territory Factor, {Rater.Territory})]",
- "value": 0.563,
- "name": "Step2"
- },
- "Step3A": {
- "id": 0,
- "description": "Years at Residence (Enter Years)",
- "order": 3,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Years of Residence, null, null, {Rater.YearsOfResidence})]",
- "value": 0,
- "name": "Step3A"
- },
- "Step3B": {
- "id": 0,
- "description": "Cov A & Age of Insured (HO-3)",
- "order": 3,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Cov A Limit and Age of Insured, null, null, |RequestedLimit(CovA)|, {Rater.AgeOfInsured})]",
- "value": 0,
- "name": "Step3B"
- },
- "Step3C": {
- "id": 0,
- "description": "Non-Cat Loss History (3-year) & Excess of 2 Water Claims",
- "order": 3,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, null, Loss History Non-Catastrophe, {Rater.ChargableLimitCode})]+{Rater.WaterChargableLimit.ThreeYear}*[NonPerilTierFactor(null, null, Cause of Loss Additional Surcharge, Water)]",
- "value": 1,
- "name": "Step3C"
- },
- "Step3D": {
- "id": 0,
- "description": "All Year Loss History",
- "order": 3,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Loss History, {Rater.LossHistoryCode})]",
- "value": 0.566,
- "name": "Step3D"
- },
- "Step3E": {
- "id": 0,
- "description": "Rounded Factor",
- "order": 3,
- "code": null,
- "subOrder": "E",
- "formula": "round([StepValue(Step3A)] * [StepValue(Step3B)] * [StepValue(Step3C)] * [StepValue(Step3D)], 3)",
- "value": 0,
- "name": "Step3E"
- },
- "Step3F": {
- "id": 0,
- "description": "Tier",
- "order": 3,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Tier Score, null, null, |StepValue(Step3E)|)]",
- "value": 1,
- "name": "Step3F"
- },
- "Step3G": {
- "id": 0,
- "description": "Final Tier Factor",
- "order": 3,
- "code": null,
- "subOrder": "G",
- "formula": "[TierFactor(Tier Factor, |CheckStepOverrideValue({Rater.TierScoreOverride}, P1, Step3F)|)]",
- "value": 0.98,
- "name": "Step3G"
- },
- "Step4A": {
- "id": 0,
- "description": "Construction Type & Occupancy",
- "order": 4,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Protection Construction, {Rater.ConstructionType}, {Rater.ProtectionClass})]",
- "value": 1.083,
- "name": "Step4A"
- },
- "Step4B": {
- "id": 0,
- "description": "Number of Families",
- "order": 4,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, NumberOfFamilies, {Rater.NumberOfFamilies})]",
- "value": 1,
- "name": "Step4B"
- },
- "Step4C": {
- "id": 0,
- "description": "Deductible Factor",
- "order": 4,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Deductible Factor, {Rater.Deductible}, null, |RequestedLimit(CovA)|)]",
- "value": 0.643,
- "name": "Step4C"
- },
- "Step4D": {
- "id": 0,
- "description": "Age of Home",
- "order": 4,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, AgeOfHome Factor, null, null, {Rater.AgeOfHome})]",
- "value": 1.017,
- "name": "Step4D"
- },
- "Step4E": {
- "id": 0,
- "description": "Fire Devices",
- "order": 4,
- "code": null,
- "subOrder": "E",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Fire Devices, {Rater.FireDevicesCode})]",
- "value": 1,
- "name": "Step4E"
- },
- "Step4F": {
- "id": 0,
- "description": "Theft Devices",
- "order": 4,
- "code": null,
- "subOrder": "F",
- "formula": "[TierFactor(Theft Devices, {Rater.TheftDevicesCode})]",
- "value": 1,
- "name": "Step4F"
- },
- "Step4G": {
- "id": 0,
- "description": "Cov A for Dwelling",
- "order": 4,
- "code": null,
- "subOrder": "G",
- "formula": "(1-{Rater.CovADwelingPercentage}) * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingLow})] + {Rater.CovADwelingPercentage} * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingHigh})]",
- "value": 4.900118,
- "name": "Step4G"
- },
- "Step4H": {
- "id": 0,
- "description": "Seasonal Residence",
- "order": 4,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Seasonal Residence, |ToYesNo({Rater.SeasonalResidence})|)]",
- "value": 1.05,
- "name": "Step4H"
- },
- "Step4I": {
- "id": 0,
- "description": "Secondary Residence",
- "order": 4,
- "code": null,
- "subOrder": "I",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Secondary Residence, |ToYesNo({Rater.SecondaryResidence})|)]",
- "value": 1.103,
- "name": "Step4I"
- },
- "Step4J": {
- "id": 0,
- "description": "Months Unoccupied",
- "order": 4,
- "code": null,
- "subOrder": "J",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Months Unoccupied, {Rater.MonthsUnoccupoid})]",
- "value": 1.01,
- "name": "Step4J"
- },
- "Step4K": {
- "id": 0,
- "description": "Wood Stove",
- "order": 4,
- "code": null,
- "subOrder": "K",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Wood Stove, |ToYesNo({Rater.WoodStove})|)]",
- "value": 1,
- "name": "Step4K"
- },
- "Step4L": {
- "id": 0,
- "description": "Log Home",
- "order": 4,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Log Home, |ToYesNo({Rater.LogHome})|)]",
- "value": 1,
- "name": "Step4L"
- },
- "Step4M": {
- "id": 0,
- "description": "Roof Type",
- "order": 4,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Roof Covering, {Rater.RoofType})]",
- "value": 0.95,
- "name": "Step4M"
- },
- "Step4N": {
- "id": 0,
- "description": "Retrofit Dwelling (Wildfire Only)",
- "order": 4,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Retrofitted Dwelling Factor, |ToYesNo({Rater.RetroFitted})|, {Rater.Territory}, {Rater.YearBuilt})]",
- "value": 1,
- "name": "Step4N"
- },
- "Step5A": {
- "id": 0,
- "description": "Prior Claims Factor",
- "order": 5,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Prior Claim Charge, {Rater.ChargableLimitCode})] + ([TierFactor(Cause of Loss, Fire)] * {Rater.FireChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Liability)] * {Rater.LiabilityChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Theft)] * {Rater.TheftChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Wind)] * {Rater.WindChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Water)] * {Rater.WaterChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Other)] * {Rater.OtherChargableLimit.ThreeYear})",
- "value": 1.467,
- "name": "Step5A"
- },
- "Step5B": {
- "id": 0,
- "description": "Loss Free Discount",
- "order": 5,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Loss Free Discount, {Rater.LossfreeDiscountConditionFactorValue})]",
- "value": 1,
- "name": "Step5B"
- },
- "Step5C": {
- "id": 0,
- "description": "Home Buyer Discount",
- "order": 5,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Home Buyer Discount, {Rater.HomeType}, null, {Rater.AgeOfHome})]",
- "value": 0.98,
- "name": "Step5C"
- },
- "Step5D": {
- "id": 0,
- "description": "Age of Insured",
- "order": 5,
- "code": null,
- "subOrder": "D",
- "formula": "[TierFactor(Age Of Insured, {Rater.AgeOfInsured})]",
- "value": 1.039,
- "name": "Step5D"
- },
- "Step6A": {
- "id": 0,
- "description": "Cov E & F",
- "order": 6,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(CovE - CovF, {Rater.CovECovFKey}, null)]",
- "value": 1,
- "name": "Step6A"
- },
- "Step6B": {
- "id": 0,
- "description": "Personal Prop - Repl Cost",
- "order": 6,
- "code": null,
- "subOrder": "B",
- "formula": "[GetPersonalPropertyReplacementCost(Personal Property Replacement Cost, |ToYesNo({Rater.PersonalPropertyReplacementCost})|, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6B"
- },
- "Step6C": {
- "id": 0,
- "description": "Special Personal Prop",
- "order": 6,
- "code": null,
- "subOrder": "C",
- "formula": "[GetSpecialPersonalProperty(Special Personal Property, |ToYesNo({Rater.SpecialPersonalPropertyReplacement})|)]",
- "value": 1.1,
- "name": "Step6C"
- },
- "Step6D": {
- "id": 0,
- "description": "Add'l Replacement Cost Protection - ERC",
- "order": 6,
- "code": null,
- "subOrder": "D",
- "formula": "[GetAdditionalReplacementCost(Additional Replacement Cost Protection - ERC, {Rater.AdditionalReplacementCost}, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6D"
- },
- "Step6E": {
- "id": 0,
- "description": "Enhanced Home Package & Water Backup",
- "order": 6,
- "code": null,
- "subOrder": "E",
- "formula": "[TierFactor(Enhanced Home - Water Backup, {Rater.EnhanceHomeAndWaterBackup}, null)]",
- "value": 1.141,
- "name": "Step6E"
- },
- "Step6F": {
- "id": 0,
- "description": "Modified Loss Settlement",
- "order": 6,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Modified Loss Settlement, null, {Rater.ModifiedLossSettlement})]",
- "value": 1.28,
- "name": "Step6F"
- },
- "Step6H": {
- "id": 0,
- "description": "Ordinance or Law - ILF",
- "order": 6,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Ordinance Law - ILF, null, {Rater.OrdinanceLawFactor})]",
- "value": 1.05,
- "name": "Step6H"
- },
- "Step6J": {
- "id": 0,
- "description": "ACV on Roof Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "J",
- "formula": "[TierFactor(ACV on Roof Endorsement, |ToYesNo({Rater.ACVonRoof})|)]",
- "value": 1,
- "name": "Step6J"
- },
- "Step6K": {
- "id": 0,
- "description": "Difference in Condition Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "K",
- "formula": "[TierFactor(Difference in Condition Endorsement, |ToYesNo({Rater.DifferenceInCondition})|)]",
- "value": 1,
- "name": "Step6K"
- },
- "Step6L": {
- "id": 0,
- "description": "Plumbing Discount",
- "order": 6,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code},Plumbing Discount, {Rater.PlumbingReplacementAge})]",
- "value": 1,
- "name": "Step6L"
- },
- "Step6M": {
- "id": 0,
- "description": "Electrical Discount",
- "order": 6,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Electrical Discount, {Rater.ElectricalReplacementAge})]",
- "value": 1,
- "name": "Step6M"
- },
- "Step6N": {
- "id": 0,
- "description": "HVAC Discount",
- "order": 6,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, HVAC Discount, {Rater.HVACReplacementAge})]",
- "value": 1,
- "name": "Step6N"
- },
- "Step6O": {
- "id": 0,
- "description": "Knox Box discount",
- "order": 6,
- "code": null,
- "subOrder": "O",
- "formula": "[GenerateKnoxBoxFactorValue({Rater.KnoxBox})]",
- "value": 0.97,
- "name": "Step6O"
- },
- "Step6P": {
- "id": 0,
- "description": "Short-term vacation rental",
- "order": 6,
- "code": null,
- "subOrder": "P",
- "formula": "[ShortTermVacationFactorValue({Rater.SecondaryResidence}, {Rater.ShortRental})]",
- "value": 0.8,
- "name": "Step6P"
- },
- "Step7": {
- "id": 0,
- "description": "Multi-Policy Discount",
- "order": 7,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Multi-Policy Discount, {Rater.WithAutomobileUmbrella})]",
- "value": 0.727,
- "name": "Step7"
- },
- "Step7A": {
- "id": 0,
- "description": "Multiple homes written credit",
- "order": 7,
- "code": null,
- "subOrder": "A",
- "formula": "[GetMultipleHomesWrittenCreditFactor({Rater.IsMultipleHomesWrittenCredit})]",
- "value": 0.97,
- "name": "Step7A"
- },
- "Step8A": {
- "id": 0,
- "description": "Safety Seminar Discount (always 1)",
- "order": 8,
- "code": null,
- "subOrder": "A",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Safety Seminar, {Rater.SafetySeminarFixValue})]",
- "value": 1,
- "name": "Step8A"
- },
- "Step8B": {
- "id": 0,
- "description": "Association Discount",
- "order": 8,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, {Peril.Code}, Association Discount, |ToYesNo({Rater.AssociationDiscount})|)]",
- "value": 0.95,
- "name": "Step8B"
- },
- "Step8C": {
- "id": 0,
- "description": "Miles to FD",
- "order": 8,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Miles to FD, {Rater.MilesToFD})]",
- "value": 1,
- "name": "Step8C"
- },
- "Step8D": {
- "id": 0,
- "description": "Add'l Surcharge if Home Business Selected",
- "order": 8,
- "code": null,
- "subOrder": "D",
- "formula": "[HomeBusinessSurchargeFactor({Rater})]",
- "value": 1.08,
- "name": "Step8D"
- }
- }
- },
- {
- "code": "P8",
- "order": 0,
- "name": "P8",
- "value": 0,
- "steps": {
- "Step1": {
- "id": 0,
- "description": "Base Rate",
- "order": 1,
- "code": null,
- "subOrder": "",
- "formula": "[BaseRate({Rater.ProgramCode}, {Peril.Code})]",
- "value": 15.3,
- "name": "Step1"
- },
- "Step2": {
- "id": 0,
- "description": "Territorial Relativity",
- "order": 2,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Territory Factor, {Rater.Territory})]",
- "value": 0.51,
- "name": "Step2"
- },
- "Step3A": {
- "id": 0,
- "description": "Years at Residence (Enter Years)",
- "order": 3,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Years of Residence, null, null, {Rater.YearsOfResidence})]",
- "value": 0,
- "name": "Step3A"
- },
- "Step3B": {
- "id": 0,
- "description": "Cov A & Age of Insured (HO-3)",
- "order": 3,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Cov A Limit and Age of Insured, null, null, |RequestedLimit(CovA)|, {Rater.AgeOfInsured})]",
- "value": 0,
- "name": "Step3B"
- },
- "Step3C": {
- "id": 0,
- "description": "Non-Cat Loss History (3-year) & Excess of 2 Water Claims",
- "order": 3,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, null, Loss History Non-Catastrophe, {Rater.ChargableLimitCode})]+{Rater.WaterChargableLimit.ThreeYear}*[NonPerilTierFactor(null, null, Cause of Loss Additional Surcharge, Water)]",
- "value": 1,
- "name": "Step3C"
- },
- "Step3D": {
- "id": 0,
- "description": "All Year Loss History",
- "order": 3,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Loss History, {Rater.LossHistoryCode})]",
- "value": 0.566,
- "name": "Step3D"
- },
- "Step3E": {
- "id": 0,
- "description": "Rounded Factor",
- "order": 3,
- "code": null,
- "subOrder": "E",
- "formula": "round([StepValue(Step3A)] * [StepValue(Step3B)] * [StepValue(Step3C)] * [StepValue(Step3D)], 3)",
- "value": 0,
- "name": "Step3E"
- },
- "Step3F": {
- "id": 0,
- "description": "Tier",
- "order": 3,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Tier Score, null, null, |StepValue(Step3E)|)]",
- "value": 1,
- "name": "Step3F"
- },
- "Step3G": {
- "id": 0,
- "description": "Final Tier Factor",
- "order": 3,
- "code": null,
- "subOrder": "G",
- "formula": "[TierFactor(Tier Factor, |CheckStepOverrideValue({Rater.TierScoreOverride}, P1, Step3F)|)]",
- "value": 0.799,
- "name": "Step3G"
- },
- "Step4A": {
- "id": 0,
- "description": "Construction Type & Occupancy",
- "order": 4,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Protection Construction, {Rater.ConstructionType}, {Rater.ProtectionClass})]",
- "value": 0.932,
- "name": "Step4A"
- },
- "Step4B": {
- "id": 0,
- "description": "Number of Families",
- "order": 4,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, NumberOfFamilies, {Rater.NumberOfFamilies})]",
- "value": 1,
- "name": "Step4B"
- },
- "Step4C": {
- "id": 0,
- "description": "Deductible Factor",
- "order": 4,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Deductible Factor, {Rater.Deductible}, null, |RequestedLimit(CovA)|)]",
- "value": 0.804,
- "name": "Step4C"
- },
- "Step4D": {
- "id": 0,
- "description": "Age of Home",
- "order": 4,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, AgeOfHome Factor, null, null, {Rater.AgeOfHome})]",
- "value": 0.868,
- "name": "Step4D"
- },
- "Step4E": {
- "id": 0,
- "description": "Fire Devices",
- "order": 4,
- "code": null,
- "subOrder": "E",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Fire Devices, {Rater.FireDevicesCode})]",
- "value": 1,
- "name": "Step4E"
- },
- "Step4F": {
- "id": 0,
- "description": "Theft Devices",
- "order": 4,
- "code": null,
- "subOrder": "F",
- "formula": "[TierFactor(Theft Devices, {Rater.TheftDevicesCode})]",
- "value": 1,
- "name": "Step4F"
- },
- "Step4G": {
- "id": 0,
- "description": "Cov A for Dwelling",
- "order": 4,
- "code": null,
- "subOrder": "G",
- "formula": "(1-{Rater.CovADwelingPercentage}) * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingLow})] + {Rater.CovADwelingPercentage} * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingHigh})]",
- "value": 7.796184,
- "name": "Step4G"
- },
- "Step4H": {
- "id": 0,
- "description": "Seasonal Residence",
- "order": 4,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Seasonal Residence, |ToYesNo({Rater.SeasonalResidence})|)]",
- "value": 1.1,
- "name": "Step4H"
- },
- "Step4I": {
- "id": 0,
- "description": "Secondary Residence",
- "order": 4,
- "code": null,
- "subOrder": "I",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Secondary Residence, |ToYesNo({Rater.SecondaryResidence})|)]",
- "value": 1.155,
- "name": "Step4I"
- },
- "Step4J": {
- "id": 0,
- "description": "Months Unoccupied",
- "order": 4,
- "code": null,
- "subOrder": "J",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Months Unoccupied, {Rater.MonthsUnoccupoid})]",
- "value": 1.02,
- "name": "Step4J"
- },
- "Step4K": {
- "id": 0,
- "description": "Wood Stove",
- "order": 4,
- "code": null,
- "subOrder": "K",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Wood Stove, |ToYesNo({Rater.WoodStove})|)]",
- "value": 1,
- "name": "Step4K"
- },
- "Step4L": {
- "id": 0,
- "description": "Log Home",
- "order": 4,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Log Home, |ToYesNo({Rater.LogHome})|)]",
- "value": 1,
- "name": "Step4L"
- },
- "Step4M": {
- "id": 0,
- "description": "Roof Type",
- "order": 4,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Roof Covering, {Rater.RoofType})]",
- "value": 1,
- "name": "Step4M"
- },
- "Step4N": {
- "id": 0,
- "description": "Retrofit Dwelling (Wildfire Only)",
- "order": 4,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Retrofitted Dwelling Factor, |ToYesNo({Rater.RetroFitted})|, {Rater.Territory}, {Rater.YearBuilt})]",
- "value": 1,
- "name": "Step4N"
- },
- "Step5A": {
- "id": 0,
- "description": "Prior Claims Factor",
- "order": 5,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Prior Claim Charge, {Rater.ChargableLimitCode})] + ([TierFactor(Cause of Loss, Fire)] * {Rater.FireChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Liability)] * {Rater.LiabilityChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Theft)] * {Rater.TheftChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Wind)] * {Rater.WindChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Water)] * {Rater.WaterChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Other)] * {Rater.OtherChargableLimit.ThreeYear})",
- "value": 2.286,
- "name": "Step5A"
- },
- "Step5B": {
- "id": 0,
- "description": "Loss Free Discount",
- "order": 5,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Loss Free Discount, {Rater.LossfreeDiscountConditionFactorValue})]",
- "value": 1,
- "name": "Step5B"
- },
- "Step5C": {
- "id": 0,
- "description": "Home Buyer Discount",
- "order": 5,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Home Buyer Discount, {Rater.HomeType}, null, {Rater.AgeOfHome})]",
- "value": 0.98,
- "name": "Step5C"
- },
- "Step5D": {
- "id": 0,
- "description": "Age of Insured",
- "order": 5,
- "code": null,
- "subOrder": "D",
- "formula": "[TierFactor(Age Of Insured, {Rater.AgeOfInsured})]",
- "value": 0.949,
- "name": "Step5D"
- },
- "Step6A": {
- "id": 0,
- "description": "Cov E & F",
- "order": 6,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(CovE - CovF, {Rater.CovECovFKey}, null)]",
- "value": 1,
- "name": "Step6A"
- },
- "Step6B": {
- "id": 0,
- "description": "Personal Prop - Repl Cost",
- "order": 6,
- "code": null,
- "subOrder": "B",
- "formula": "[GetPersonalPropertyReplacementCost(Personal Property Replacement Cost, |ToYesNo({Rater.PersonalPropertyReplacementCost})|, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6B"
- },
- "Step6C": {
- "id": 0,
- "description": "Special Personal Prop",
- "order": 6,
- "code": null,
- "subOrder": "C",
- "formula": "[GetSpecialPersonalProperty(Special Personal Property, |ToYesNo({Rater.SpecialPersonalPropertyReplacement})|)]",
- "value": 1.1,
- "name": "Step6C"
- },
- "Step6D": {
- "id": 0,
- "description": "Add'l Replacement Cost Protection - ERC",
- "order": 6,
- "code": null,
- "subOrder": "D",
- "formula": "[GetAdditionalReplacementCost(Additional Replacement Cost Protection - ERC, {Rater.AdditionalReplacementCost}, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6D"
- },
- "Step6E": {
- "id": 0,
- "description": "Enhanced Home Package & Water Backup",
- "order": 6,
- "code": null,
- "subOrder": "E",
- "formula": "[TierFactor(Enhanced Home - Water Backup, {Rater.EnhanceHomeAndWaterBackup}, null)]",
- "value": 2.707,
- "name": "Step6E"
- },
- "Step6F": {
- "id": 0,
- "description": "Modified Loss Settlement",
- "order": 6,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Modified Loss Settlement, null, {Rater.ModifiedLossSettlement})]",
- "value": 1.28,
- "name": "Step6F"
- },
- "Step6H": {
- "id": 0,
- "description": "Ordinance or Law - ILF",
- "order": 6,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Ordinance Law - ILF, null, {Rater.OrdinanceLawFactor})]",
- "value": 1.05,
- "name": "Step6H"
- },
- "Step6J": {
- "id": 0,
- "description": "ACV on Roof Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "J",
- "formula": "[TierFactor(ACV on Roof Endorsement, |ToYesNo({Rater.ACVonRoof})|)]",
- "value": 1,
- "name": "Step6J"
- },
- "Step6K": {
- "id": 0,
- "description": "Difference in Condition Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "K",
- "formula": "[TierFactor(Difference in Condition Endorsement, |ToYesNo({Rater.DifferenceInCondition})|)]",
- "value": 1,
- "name": "Step6K"
- },
- "Step6L": {
- "id": 0,
- "description": "Plumbing Discount",
- "order": 6,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code},Plumbing Discount, {Rater.PlumbingReplacementAge})]",
- "value": 1,
- "name": "Step6L"
- },
- "Step6M": {
- "id": 0,
- "description": "Electrical Discount",
- "order": 6,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Electrical Discount, {Rater.ElectricalReplacementAge})]",
- "value": 1,
- "name": "Step6M"
- },
- "Step6N": {
- "id": 0,
- "description": "HVAC Discount",
- "order": 6,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, HVAC Discount, {Rater.HVACReplacementAge})]",
- "value": 1,
- "name": "Step6N"
- },
- "Step6O": {
- "id": 0,
- "description": "Knox Box discount",
- "order": 6,
- "code": null,
- "subOrder": "O",
- "formula": "[GenerateKnoxBoxFactorValue({Rater.KnoxBox})]",
- "value": 0.97,
- "name": "Step6O"
- },
- "Step6P": {
- "id": 0,
- "description": "Short-term vacation rental",
- "order": 6,
- "code": null,
- "subOrder": "P",
- "formula": "[ShortTermVacationFactorValue({Rater.SecondaryResidence}, {Rater.ShortRental})]",
- "value": 0.8,
- "name": "Step6P"
- },
- "Step7": {
- "id": 0,
- "description": "Multi-Policy Discount",
- "order": 7,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Multi-Policy Discount, {Rater.WithAutomobileUmbrella})]",
- "value": 0.787,
- "name": "Step7"
- },
- "Step7A": {
- "id": 0,
- "description": "Multiple homes written credit",
- "order": 7,
- "code": null,
- "subOrder": "A",
- "formula": "[GetMultipleHomesWrittenCreditFactor({Rater.IsMultipleHomesWrittenCredit})]",
- "value": 0.97,
- "name": "Step7A"
- },
- "Step8A": {
- "id": 0,
- "description": "Safety Seminar Discount (always 1)",
- "order": 8,
- "code": null,
- "subOrder": "A",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Safety Seminar, {Rater.SafetySeminarFixValue})]",
- "value": 1,
- "name": "Step8A"
- },
- "Step8B": {
- "id": 0,
- "description": "Association Discount",
- "order": 8,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, {Peril.Code}, Association Discount, |ToYesNo({Rater.AssociationDiscount})|)]",
- "value": 0.95,
- "name": "Step8B"
- },
- "Step8C": {
- "id": 0,
- "description": "Miles to FD",
- "order": 8,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Miles to FD, {Rater.MilesToFD})]",
- "value": 1,
- "name": "Step8C"
- },
- "Step8D": {
- "id": 0,
- "description": "Add'l Surcharge if Home Business Selected",
- "order": 8,
- "code": null,
- "subOrder": "D",
- "formula": "[HomeBusinessSurchargeFactor({Rater})]",
- "value": 1.08,
- "name": "Step8D"
- }
- }
- },
- {
- "code": "P9",
- "order": 0,
- "name": "P9",
- "value": 0,
- "steps": {
- "Step1": {
- "id": 0,
- "description": "Base Rate",
- "order": 1,
- "code": null,
- "subOrder": "",
- "formula": "[BaseRate({Rater.ProgramCode}, {Peril.Code})]",
- "value": 128.67,
- "name": "Step1"
- },
- "Step2": {
- "id": 0,
- "description": "Territorial Relativity",
- "order": 2,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Territory Factor, {Rater.Territory})]",
- "value": 0.923,
- "name": "Step2"
- },
- "Step3A": {
- "id": 0,
- "description": "Years at Residence (Enter Years)",
- "order": 3,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Years of Residence, null, null, {Rater.YearsOfResidence})]",
- "value": 0,
- "name": "Step3A"
- },
- "Step3B": {
- "id": 0,
- "description": "Cov A & Age of Insured (HO-3)",
- "order": 3,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Cov A Limit and Age of Insured, null, null, |RequestedLimit(CovA)|, {Rater.AgeOfInsured})]",
- "value": 0,
- "name": "Step3B"
- },
- "Step3C": {
- "id": 0,
- "description": "Non-Cat Loss History (3-year) & Excess of 2 Water Claims",
- "order": 3,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, null, Loss History Non-Catastrophe, {Rater.ChargableLimitCode})]+{Rater.WaterChargableLimit.ThreeYear}*[NonPerilTierFactor(null, null, Cause of Loss Additional Surcharge, Water)]",
- "value": 1,
- "name": "Step3C"
- },
- "Step3D": {
- "id": 0,
- "description": "All Year Loss History",
- "order": 3,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Loss History, {Rater.LossHistoryCode})]",
- "value": 0.566,
- "name": "Step3D"
- },
- "Step3E": {
- "id": 0,
- "description": "Rounded Factor",
- "order": 3,
- "code": null,
- "subOrder": "E",
- "formula": "round([StepValue(Step3A)] * [StepValue(Step3B)] * [StepValue(Step3C)] * [StepValue(Step3D)], 3)",
- "value": 0,
- "name": "Step3E"
- },
- "Step3F": {
- "id": 0,
- "description": "Tier",
- "order": 3,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, null, Tier Score, null, null, |StepValue(Step3E)|)]",
- "value": 1,
- "name": "Step3F"
- },
- "Step3G": {
- "id": 0,
- "description": "Final Tier Factor",
- "order": 3,
- "code": null,
- "subOrder": "G",
- "formula": "[TierFactor(Tier Factor, |CheckStepOverrideValue({Rater.TierScoreOverride}, P1, Step3F)|)]",
- "value": 1,
- "name": "Step3G"
- },
- "Step4A": {
- "id": 0,
- "description": "Construction Type & Occupancy",
- "order": 4,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Protection Construction, {Rater.ConstructionType}, {Rater.ProtectionClass})]",
- "value": 1,
- "name": "Step4A"
- },
- "Step4B": {
- "id": 0,
- "description": "Number of Families",
- "order": 4,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, NumberOfFamilies, {Rater.NumberOfFamilies})]",
- "value": 1,
- "name": "Step4B"
- },
- "Step4C": {
- "id": 0,
- "description": "Deductible Factor",
- "order": 4,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Deductible Factor, {Rater.Deductible}, null, |RequestedLimit(CovA)|)]",
- "value": 0.841,
- "name": "Step4C"
- },
- "Step4D": {
- "id": 0,
- "description": "Age of Home",
- "order": 4,
- "code": null,
- "subOrder": "D",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, AgeOfHome Factor, null, null, {Rater.AgeOfHome})]",
- "value": 1.02,
- "name": "Step4D"
- },
- "Step4E": {
- "id": 0,
- "description": "Fire Devices",
- "order": 4,
- "code": null,
- "subOrder": "E",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Fire Devices, {Rater.FireDevicesCode})]",
- "value": 1,
- "name": "Step4E"
- },
- "Step4F": {
- "id": 0,
- "description": "Theft Devices",
- "order": 4,
- "code": null,
- "subOrder": "F",
- "formula": "[TierFactor(Theft Devices, {Rater.TheftDevicesCode})]",
- "value": 1,
- "name": "Step4F"
- },
- "Step4G": {
- "id": 0,
- "description": "Cov A for Dwelling",
- "order": 4,
- "code": null,
- "subOrder": "G",
- "formula": "(1-{Rater.CovADwelingPercentage}) * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingLow})] + {Rater.CovADwelingPercentage} * [TierFactor(Cov A Limit Dwelling, null, null, {Rater.CovADwelingHigh})]",
- "value": 6.571156,
- "name": "Step4G"
- },
- "Step4H": {
- "id": 0,
- "description": "Seasonal Residence",
- "order": 4,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Seasonal Residence, |ToYesNo({Rater.SeasonalResidence})|)]",
- "value": 1.15,
- "name": "Step4H"
- },
- "Step4I": {
- "id": 0,
- "description": "Secondary Residence",
- "order": 4,
- "code": null,
- "subOrder": "I",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Secondary Residence, |ToYesNo({Rater.SecondaryResidence})|)]",
- "value": 1.208,
- "name": "Step4I"
- },
- "Step4J": {
- "id": 0,
- "description": "Months Unoccupied",
- "order": 4,
- "code": null,
- "subOrder": "J",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Months Unoccupied, {Rater.MonthsUnoccupoid})]",
- "value": 1.01,
- "name": "Step4J"
- },
- "Step4K": {
- "id": 0,
- "description": "Wood Stove",
- "order": 4,
- "code": null,
- "subOrder": "K",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Wood Stove, |ToYesNo({Rater.WoodStove})|)]",
- "value": 1,
- "name": "Step4K"
- },
- "Step4L": {
- "id": 0,
- "description": "Log Home",
- "order": 4,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Log Home, |ToYesNo({Rater.LogHome})|)]",
- "value": 1,
- "name": "Step4L"
- },
- "Step4M": {
- "id": 0,
- "description": "Roof Type",
- "order": 4,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Roof Covering, {Rater.RoofType})]",
- "value": 1,
- "name": "Step4M"
- },
- "Step4N": {
- "id": 0,
- "description": "Retrofit Dwelling (Wildfire Only)",
- "order": 4,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Retrofitted Dwelling Factor, |ToYesNo({Rater.RetroFitted})|, {Rater.Territory}, {Rater.YearBuilt})]",
- "value": 1.5,
- "name": "Step4N"
- },
- "Step5A": {
- "id": 0,
- "description": "Prior Claims Factor",
- "order": 5,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(Prior Claim Charge, {Rater.ChargableLimitCode})] + ([TierFactor(Cause of Loss, Fire)] * {Rater.FireChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Liability)] * {Rater.LiabilityChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Theft)] * {Rater.TheftChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Wind)] * {Rater.WindChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Water)] * {Rater.WaterChargableLimit.ThreeYear}) + ([TierFactor(Cause of Loss, Other)] * {Rater.OtherChargableLimit.ThreeYear})",
- "value": 1,
- "name": "Step5A"
- },
- "Step5B": {
- "id": 0,
- "description": "Loss Free Discount",
- "order": 5,
- "code": null,
- "subOrder": "B",
- "formula": "[TierFactor(Loss Free Discount, {Rater.LossfreeDiscountConditionFactorValue})]",
- "value": 1,
- "name": "Step5B"
- },
- "Step5C": {
- "id": 0,
- "description": "Home Buyer Discount",
- "order": 5,
- "code": null,
- "subOrder": "C",
- "formula": "[TierFactor(Home Buyer Discount, {Rater.HomeType}, null, {Rater.AgeOfHome})]",
- "value": 0.98,
- "name": "Step5C"
- },
- "Step5D": {
- "id": 0,
- "description": "Age of Insured",
- "order": 5,
- "code": null,
- "subOrder": "D",
- "formula": "[TierFactor(Age Of Insured, {Rater.AgeOfInsured})]",
- "value": 1,
- "name": "Step5D"
- },
- "Step6A": {
- "id": 0,
- "description": "Cov E & F",
- "order": 6,
- "code": null,
- "subOrder": "A",
- "formula": "[TierFactor(CovE - CovF, {Rater.CovECovFKey}, null)]",
- "value": 1,
- "name": "Step6A"
- },
- "Step6B": {
- "id": 0,
- "description": "Personal Prop - Repl Cost",
- "order": 6,
- "code": null,
- "subOrder": "B",
- "formula": "[GetPersonalPropertyReplacementCost(Personal Property Replacement Cost, |ToYesNo({Rater.PersonalPropertyReplacementCost})|, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6B"
- },
- "Step6C": {
- "id": 0,
- "description": "Special Personal Prop",
- "order": 6,
- "code": null,
- "subOrder": "C",
- "formula": "[GetSpecialPersonalProperty(Special Personal Property, |ToYesNo({Rater.SpecialPersonalPropertyReplacement})|)]",
- "value": 1.1,
- "name": "Step6C"
- },
- "Step6D": {
- "id": 0,
- "description": "Add'l Replacement Cost Protection - ERC",
- "order": 6,
- "code": null,
- "subOrder": "D",
- "formula": "[GetAdditionalReplacementCost(Additional Replacement Cost Protection - ERC, {Rater.AdditionalReplacementCost}, |ToYesNo({Rater.EnhancedHomePackage})|)]",
- "value": 1,
- "name": "Step6D"
- },
- "Step6E": {
- "id": 0,
- "description": "Enhanced Home Package & Water Backup",
- "order": 6,
- "code": null,
- "subOrder": "E",
- "formula": "[TierFactor(Enhanced Home - Water Backup, {Rater.EnhanceHomeAndWaterBackup}, null)]",
- "value": 1.054,
- "name": "Step6E"
- },
- "Step6F": {
- "id": 0,
- "description": "Modified Loss Settlement",
- "order": 6,
- "code": null,
- "subOrder": "F",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Modified Loss Settlement, null, {Rater.ModifiedLossSettlement})]",
- "value": 1.28,
- "name": "Step6F"
- },
- "Step6H": {
- "id": 0,
- "description": "Ordinance or Law - ILF",
- "order": 6,
- "code": null,
- "subOrder": "H",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Ordinance Law - ILF, null, {Rater.OrdinanceLawFactor})]",
- "value": 1.05,
- "name": "Step6H"
- },
- "Step6J": {
- "id": 0,
- "description": "ACV on Roof Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "J",
- "formula": "[TierFactor(ACV on Roof Endorsement, |ToYesNo({Rater.ACVonRoof})|)]",
- "value": 1,
- "name": "Step6J"
- },
- "Step6K": {
- "id": 0,
- "description": "Difference in Condition Endorsement",
- "order": 6,
- "code": null,
- "subOrder": "K",
- "formula": "[TierFactor(Difference in Condition Endorsement, |ToYesNo({Rater.DifferenceInCondition})|)]",
- "value": 1,
- "name": "Step6K"
- },
- "Step6L": {
- "id": 0,
- "description": "Plumbing Discount",
- "order": 6,
- "code": null,
- "subOrder": "L",
- "formula": "[NonPerilTierFactor(null, {Peril.Code},Plumbing Discount, {Rater.PlumbingReplacementAge})]",
- "value": 1,
- "name": "Step6L"
- },
- "Step6M": {
- "id": 0,
- "description": "Electrical Discount",
- "order": 6,
- "code": null,
- "subOrder": "M",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Electrical Discount, {Rater.ElectricalReplacementAge})]",
- "value": 1,
- "name": "Step6M"
- },
- "Step6N": {
- "id": 0,
- "description": "HVAC Discount",
- "order": 6,
- "code": null,
- "subOrder": "N",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, HVAC Discount, {Rater.HVACReplacementAge})]",
- "value": 1,
- "name": "Step6N"
- },
- "Step6O": {
- "id": 0,
- "description": "Knox Box discount",
- "order": 6,
- "code": null,
- "subOrder": "O",
- "formula": "[GenerateKnoxBoxFactorValue({Rater.KnoxBox})]",
- "value": 0.97,
- "name": "Step6O"
- },
- "Step6P": {
- "id": 0,
- "description": "Short-term vacation rental",
- "order": 6,
- "code": null,
- "subOrder": "P",
- "formula": "[ShortTermVacationFactorValue({Rater.SecondaryResidence}, {Rater.ShortRental})]",
- "value": 0.8,
- "name": "Step6P"
- },
- "Step7": {
- "id": 0,
- "description": "Multi-Policy Discount",
- "order": 7,
- "code": null,
- "subOrder": "",
- "formula": "[TierFactor(Multi-Policy Discount, {Rater.WithAutomobileUmbrella})]",
- "value": 0.77,
- "name": "Step7"
- },
- "Step7A": {
- "id": 0,
- "description": "Multiple homes written credit",
- "order": 7,
- "code": null,
- "subOrder": "A",
- "formula": "[GetMultipleHomesWrittenCreditFactor({Rater.IsMultipleHomesWrittenCredit})]",
- "value": 0.97,
- "name": "Step7A"
- },
- "Step8A": {
- "id": 0,
- "description": "Safety Seminar Discount (always 1)",
- "order": 8,
- "code": null,
- "subOrder": "A",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Safety Seminar, {Rater.SafetySeminarFixValue})]",
- "value": 1,
- "name": "Step8A"
- },
- "Step8B": {
- "id": 0,
- "description": "Association Discount",
- "order": 8,
- "code": null,
- "subOrder": "B",
- "formula": "[NonPerilTierFactor({Rater.ProgramCode}, {Peril.Code}, Association Discount, |ToYesNo({Rater.AssociationDiscount})|)]",
- "value": 0.95,
- "name": "Step8B"
- },
- "Step8C": {
- "id": 0,
- "description": "Miles to FD",
- "order": 8,
- "code": null,
- "subOrder": "C",
- "formula": "[NonPerilTierFactor(null, {Peril.Code}, Miles to FD, {Rater.MilesToFD})]",
- "value": 2.3,
- "name": "Step8C"
- },
- "Step8D": {
- "id": 0,
- "description": "Add'l Surcharge if Home Business Selected",
- "order": 8,
- "code": null,
- "subOrder": "D",
- "formula": "[HomeBusinessSurchargeFactor({Rater})]",
- "value": 1.08,
- "name": "Step8D"
- }
- }
- }
- ],
- "perilTotal": {
- "P1": 8777,
- "P2": 361,
- "P3": 200,
- "P4": 160,
- "P5": 1384,
- "P6": 187,
- "P7": 143,
- "P8": 212,
- "P9": 2943
- },
- "perilsWithZeroValues": {
- "P1": [],
- "P2": [],
- "P3": [],
- "P4": [],
- "P5": [],
- "P6": [],
- "P7": [],
- "P8": [],
- "P9": []
- }
- }
Advertisement
Add Comment
Please, Sign In to add comment
Advertisement