Actuarial & Underwriting Committee
Wind Mitigation Topics
October 19, 2021
Contents
• Existing Building Code Credits
• Potential Roof Age Factor
• Identification of Retrofit-Eligible Properties
• Comparison of Mitigation Discounts
• Update on Secondary Modifiers
2
EXISTING BUILDING CODE CREDITS
3
Existing Building Code Credits
Summary of Available Credits
TWIA offers premium
credits for residential
structures based on the
location of the risk and
the building code
standard for two different
sets of building codes.
Available credits range
from 0% to 33%
WINDSTORM RESISTANT
CONSTRUCTION
Effective 9/1/98
INT’L. RESIDENTIAL CODE
& INT’L. BUILDING CODE
LOCATION OF RISK
BUILDING
CODE
STANDARDS
DWELLING
DISCOUNT
PERSONAL
PROPERTY
DISCOUNT
DWELLING
DISCOUNT
PERSONAL
PROPERTY
DISCOUNT
Seaward Seaward 26% 20% 28% 23%
Inland I Inland I 24% 19% 26% 21%
Inland I Seaward 29% 23% 31% 25%
Inland II Inland II 0% 0% 26% 20%
Inland II Inland I 27% 21% 28% 23%
Inland II Seaward 32% 25% 33% 28%
All designated
Catastrophe Areas
Retrofit 10% 10% 10% 10%
4
Existing Building Code Credits
In-Force Distribution of Credits
• Approximately 22% of
TWIA residential risks
currently in-force are built
to the newest building
codes
• An additional 6% are built
to older codes that still
qualify for credits
• 72% of residential risks do
not qualify for building
code credits
22%
6%
72%
Residential Risks
In-Force as of 9/30/21
IRC / IBC WRC None or Prior
5
Existing Building Code Credits
Recent Hurricane Experience
• Reviewed actual experience of various building codes in recent hurricanes
• Compared claim frequency, claim severity, and loss ratios between building codes
• IRC / IBC building code consistently resulted in lower loss ratios
• WRC building code resulted in overall higher loss ratios
• Preliminary indications are for increased credits for IRC / IBC building codes and
reduced credits for WRC building code
• Increasing average credits would require an offsetting increase in base rates to maintain
a rate neutral impact
0.000
1.000
IRC / IBC WRC None or Prior
Relative Loss Ratios
Harvey Hanna Laura Delta
6
POTENTIAL ROOF AGE FACTOR
7
Potential Roof Age Factor
In-Force Distribution of Roof Ages
• TWIA does not currently
have a rating factor
specifically for roof age
• Residential risks
currently in-force have
fairly evenly distributed
roof ages (when grouped
every five years)
19%
17%
26%
17%
21%
Residential Risks
In-Force as of 9/30/21
0-5 6-10 11-15 16-20 Older
8
Potential Roof Age Factor
Recent Hurricane Experience
• Reviewed actual experience by roof age in recent hurricanes
• Compared claim frequency, claim severity, and loss ratios between roof ages
• Harvey experience did not result in a clear indication
• Experience from other events appears to support rating on roof age
• Rating factor would need to address correlation to changes in building codes
and building code credits
• Introduction of rating factor may require an offsetting change in base rates to
maintain a rate neutral impact
0.000
1.000
0-5 6-10 11-15 16-20 Older
Relative Loss Ratios
Harvey Hanna Laura Delta
9
IDENTIFICATION OF RETROFIT-ELIGIBLE
PROPERTIES
10
Identification of Retrofit-Eligible Properties
11
• Reviewed over a million records in the combined TDI WPI-8 and TWIA
WPI-8C databases
• Compared inspection locations to TWIA in-force residential policies
• 1,077 locations currently receive the 10% retrofit credit
• Identified 30 locations where all exterior openings have been upgraded
but the location does not receive the retrofit credit
• Identified 55 locations where at least some windows and doors have
been upgraded but the location does not receive the retrofit credit
• Will work with Underwriting to reach out to agents to confirm retrofit
credit eligibility for the identified locations
COMPARISON OF MITIGATION DISCOUNTS
12
Comparison of Mitigation Discounts
13
• Reviewed Florida Citizens, Louisiana Citizens, and four private
carriers in Texas
• Florida Citizens uses a very detailed combination of construction
features to determine wind mitigation credits
• The State of Louisiana offers tax deductions and credits for wind
mitigation
• State Farm offers a small discount for compliance with TWIA
building codes
• Other carriers tend to rely on rating factors associated with roof
type and age
UPDATE ON SECONDARY MODIFIERS
14
Update on Secondary Modifiers
15
• Request for Information (RFI) issued to
identify vendors that may be able to provide
additional secondary modifier information
for use in catastrophe modeling
• Six formal responses received along with
some additional referrals
• Responses currently under internal review
PO Box 99090, Austin, TX 78709-9090 | 1-800-788-8247 | www.twia.org
MEMORANDUM
DATE: October 12, 2021
TO: James Murphy, Chief Actuary & Vice President – Enterprise Analytics
FROM: Xiuyu Li, Senior Actuary
RE: Comparison of Residual Market and Private Industry Wind Mitigation Credits
Following please find a summary of our comparison of wind mitigation credits available in other residual
market plans and in the private industry in Texas. Supporting documents have been attached for
reference.
Florida Citizens
Florida Citizen uses ISO’s Building Code Effectiveness Grading Schedule, provides premium discounts up
to 10% varying by territory and effectiveness grades.
Florida Citizens also provides a wide range of discounts based on Roof Deck Attachment, Roof-Wall
Connection, S. Water Resistance, Roof Shape, and Opening Protection.
Louisiana Citizens
The State of Louisiana provides all homeowners mitigation incentives including:
1) Insurance premium discounts when a homeowner builds or retrofits a structure to comply with
the Louisiana State Uniform Construction Code or installs mitigation improvements demonstrated
to reduce the amount of loss from a windstorm or hurricane;
2) Tax deductions for voluntarily retrofitting an existing residential structure to bring it into
compliance with the new building code; and
PO Box 99090, Austin, TX 78709-9090 | 1-800-788-8247 | www.twia.org
3) Exclusions from local sales and use tax when purchasing storm shutter devices for hurricane
protection.
Additional premium discounts may apply to one or two-family owner occupied homes and modular
homes. These damage mitigation improvements and/or construction techniques include, but are not
limited to:
• building design,
• roof bracing,
• secondary water barriers,
• opening protection,
• roof-to-wall strength,
• roof deck attachment,
• roof covering and roof covering performance,
• wall-to-floor-to-foundation strength,
• window, door and skylight strength, and
• other mitigation improvements and/or construction techniques that the insurer may determine
to reduce the risk of loss due to wind.
USAA
In Texas, USAA provides discounts and surcharges which vary by roof type, impact resistant class code,
and roof age. A Roofing Installation Information and Certification form must be completed and signed by
a roofer or licensed home inspector and the insured and returned to USAA in order to obtain the discount.
Allstate
Allstate provides discounts and surcharges based on roof scores, Allstate has up to 100 roof score groups,
making it difficult to derive the actual discounts and surcharges based on their publicly available manual.
PO Box 99090, Austin, TX 78709-9090 | 1-800-788-8247 | www.twia.org
Allstate also provide a discount for the installation of storm shutters in the residence. A storm shutter is
defined as coverings used for the purposes of protecting windows from damage during the course of a
storm. To qualify for the discount, approved storm shutters must be installed on all exterior windows in
the insured dwelling.
State Farm
State Farm offers a Seacoast building code discount of 5% if a risk has been certified for compliance with
the appropriate building codes as evidenced with a form issued by the Texas Department of Insurance.
The adjustment applies to the hurricane basic premium only.
State Farm also offers a roof discount for metal roofs.
Liberty Mutual
Liberty Mutual applies a roof covering factor for wind and hurricane perils. Factors vary by age of roof and
roof covering materials.
Citizens P
roperty Insurance Corporation
Rating Steps and Factors – PRW Homeowners
Edition 4/2017
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Table 23-1
Roof Cover
Roof Deck
Attachment
Roof-Wall
Connection
S. Water
Resistance
Class
B
No SWR 0.44
SWR 0.38
No SWR 0.36
SWR 0.28
No SWR 0.36
SWR 0.28
No SWR 0.36
SWR 0.28
No SWR 0.41
SWR 0.36
No SWR 0.27
SWR 0.21
No SWR 0.26
SWR 0.19
No SWR 0.26
SWR 0.18
No SWR 0.41
SWR 0.36
No SWR 0.27
SWR 0.21
No SWR 0.25
SWR 0.18
No SWR 0.24
SWR 0.17
No SWR 0.37
SWR 0.35
No SWR 0.27
SWR 0.24
No SWR 0.27
SWR 0.24
No SWR 0.27
SWR 0.24
No SWR 0.34
SWR 0.33
No SWR 0.19
SWR 0.17
No SWR 0.17
SWR 0.15
No SWR 0.17
SWR 0.14
No SWR 0.34
SWR 0.33
No SWR 0.19
SWR 0.17
No SWR 0.17
SWR 0.14
No SWR 0.16
SWR 0.14
0.12
NO SWR 0.14
SWR 0.14
0.11
0.14
Reinforced Concrete Roof Deck
0.19 0.11 0.11 0.19 0.11
YEAR BUILT ON OR AFTER JANUARY 1, 2002
Other Roof Deck
0.23
0.18
0.18
0.19
0.14
0.20
0.16
0.16
0.17
Reinforced Concrete Roof Deck
0.20
0.12
0.12
0.20
0.12
Double Wraps
0.32
0.19
0.17
0.27
0.16
0.26 0.16 0.14 0.22 0.13
FBC Equivalent
Level A
Toe Nails
Clips
Single Wraps
Double Wraps
0.24 0.14
0.20
0.34
0.16
0.52
0.26
0.18
0.31
0.14
0.37
0.65
0.24
0.82 0.46 0.35 0.63 0.22
Level C
Toe Nails
0.85
0.49
Clips
0.54
0.27
Single Wraps
0.40
0.22
0.18
0.28
0.16
0.37 0.19 0.16
Double Wraps
0.37
0.22
0.20
0.28
0.16
0.33 0.18 0.16 0.24 0.14
0.26 0.14
0.22
0.34
0.16
0.52
0.26
0.19
0.32
0.14
0.37
0.65
0.24
0.82 0.47 0.36 0.63 0.22
Level B
Toe Nails
0.85
0.49
Clips
0.54
0.29
Single Wraps
0.42
0.24
0.20
0.29
0.16
0.39 0.21 0.17
0.70
0.49
0.44
0.47
0.22
0.67 0.46 0.41 0.45 0.20
0.70
0.49
0.44
0.47
0.22
0.68 0.46 0.41 0.45 0.20
0.72
0.50
0.44
0.47
0.22
0.70
0.47
0.42
0.46
0.20
0.93
0.61
0.51
0.67
0.27
0.90 0.58 0.48 0.64 0.25
Double Wraps
0.45
0.28
0.26
0.39
0.23
0.29 0.19 0.17 0.26 0.16
0.27 0.17
0.29
0.43
0.24
0.55
0.29
0.21
0.35
0.17
0.44
0.71
0.31
0.86 0.49 0.39 0.67 0.26
Level C
Toe Nails
0.91
0.55
Clips
0.61
0.36
Single Wraps
0.51
0.31
0.27
0.39
0.24
0.40 0.22 0.19
Double Wraps
0.49
0.32
0.29
0.39
0.24
0.37 0.21 0.19 0.28 0.17
0.29 0.17
0.31
0.43
0.24
0.56
0.29
0.22
0.35
0.17
0.45 0.71 0.31
0.86 0.50 0.39 0.67 0.26
Level B
Toe Nails
0.91 0.56
Clips
0.62
0.37
Single Wraps
0.52
0.33
0.30
0.40
0.24
0.42 0.24 0.20
Single Wraps
0.80 0.61 0.56 0.55
0.32
0.72
0.51
0.46
0.49
0.24
Double Wraps
0.79
0.61
0.56
0.55
0.74 0.52 0.46 0.49 0.24
0.32
0.72 0.51 0.46 0.49 0.24
Class A
Non-FBC Equivalent
Level A
Toe Nails
1.00 0.71 0.61 0.72 0.36
0.93 0.62 0.52 0.68 0.28
None Class B Class A None
Clips
0.82 0.62 0.56 0.56 0.32
TABLE 23 - MITIGATION FACTORS
Loss Mitigation Factors for 1 to 4 Units - Terrain C
(This chart is not applicable to renter contents and condominium unit owner in a building with 5 or more units or mobile homes.)
YEAR BUILT BEFORE JANUARY 1, 2002
Roof Shape and Opening Protection
Other Roof Shape Hip Roof Shape
APPROVED
Date Received: Date Of Action:
2/2/2017 02/27/2017
FL OFFICE OF INSURANCE REGULATION
Citizens Property Insurance Corpor
ation
Rating Steps and Factors – PRW Homeowners
Edition 4/2017
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Table 24-1
HW-2
Grade 1 2 3 4 5 6 7 8 9
10
Non Participating
Territory
14, 15, 16, 17, 18, 19,
20, 41, 49, 50, 51, 52,
53, 56, 57, 58, 59, 60,
61, 62, 65, 66, 68, 69,
70, 71, 75, 76, 77, 83,
88, 90, 92
0.901 0.901 0.901 0.942 0.942 0.942 0.942 0.978 0.978 1.000 1.019
22, 26, 42, 45, 54, 94,
95, 96, 97
0.914 0.914 0.914 0.950 0.950 0.950 0.950 0.980 0.980
1.000
1.019
24, 48 0.921 0.921 0.921 0.953 0.953 0.953 0.953 0.983 0.983
1.000
1.019
23, 25, 27, 28, 29, 46,
47
0.931 0.931 0.931 0.962 0.962 0.962 0.962 0.987 0.987
1.000
1.019
HW-4
Grade
1 2 3 4 5 6 7 8 9
10
Non Participating
Territory
41 0.739 0.739 0.739 0.869 0.869 0.869 0.869 0.956 0.956
1.000
1.048
15, 16, 42 0.820 0.820 0.820 0.887 0.887 0.887 0.887 0.951 0.951
1.000
1.048
14, 17, 18, 19, 20, 46,
47, 49, 50, 51, 52, 53,
56, 57, 58, 59, 60, 61,
62, 65, 66, 68, 69, 70,
71, 75, 76, 77, 83, 88,
92
0.872 0.872 0.872 0.926 0.926 0.926 0.926 0.970 0.970 1.000 1.048
22, 26, 48, 90 0.911 0.911 0.911 0.946 0.946 0.946 0.946 0.980 0.980
1.000
1.048
23, 25, 27, 28, 29, 45,
54, 94
0.926 0.926 0.926 0.963 0.963 0.963 0.963 0.983 0.983
1.000
1.048
24, 95, 96, 97 0.944 0.944 0.944 0.962 0.962 0.962 0.962 0.981 0.981
1.000
1.048
HW-6
Grade
1 2 3 4 5 6 7 8 9 10 Non Participating
Territory
41 0.675 0.675 0.675 0.819 0.819 0.819 0.819 0.919 0.919 1.000 1.031
18, 19, 20, 50, 83 0.776 0.776 0.776 0.875 0.875 0.875 0.875 0.956 0.956 1.000 1.031
76, 77 0.850 0.850 0.850 0.913 0.913 0.913 0.913 0.971 0.971 1.000 1.031
14, 15, 16, 17, 24, 49,
51, 52, 53, 54, 56, 57,
58, 59, 60, 61, 62, 65,
66, 68, 69, 70, 71, 75,
88, 92
0.863 0.863 0.863 0.918 0.918 0.918 0.918 0.973 0.973 1.000 1.031
26, 42, 90, 95, 96, 97 0.905 0.905 0.905 0.951 0.951 0.951 0.951 0.983 0.983 1.000 1.031
23, 25, 27, 28, 29, 45,
46, 47, 48, 94
0.923 0.923 0.923 0.959 0.959 0.959 0.959 0.983 0.983 1.000 1.031
22 0.941 0.941 0.941 0.964 0.964 0.964 0.964 0.986 0.986 1.000 1.031
BCEGS TABLES
TABLE 24 - BUILDING CODE COMPLIANCE FACTORS
APPROVED
Date Received: Date Of Action:
2/2/2017 02/27/2017
FL OFFICE OF INSURANCE REGULATION
Louisiana Department of Insurance
Post Oce Box 94214
Baton Rouge, Louisiana 70804-9214
Phone (800) 259-5300
Fax (225) 342-3078
Website: www.ldi.la.gov
Email address: [email protected]
This public document is published at a total cost of
$680.52. 5,000 copies of this public document were
published in this fth printing at a cost of $645. The
total cost of all printings of this document including
reprints is $6,249.18. This document was published
by Franklin Press, 1391 Highland Rd., Baton Rouge,
LA 70806 to inform homeowners of storm mitiga-
tion incentives under authority of the Division of
Administration. This material was printed in accor-
dance with standards for printing by State Agencies
established in R.S. 43:31. Printing of this material
was purchased in accordance with the provisions of
Title 43 of the Louisiana Revised Statutes.
Louisiana Department
of insurance
resiDentiaL property
storm
mitigation
incentives
Home owners must take action to take advantage
of these nancial incentives being provided for
storm and hurricane mitigation. Whether you
plan to build a new home or retrot your existing
home, you will benet from the insurance premium
discounts, tax deductions and state sales and use
tax exclusions now available.
The Louisiana Department of Insurance encourages
residential property owners to take the steps
necessary to become a recipient of these nancial
benets for added storm and hurricane protection.
Act 462 of the 2007 Regular Session allows
insureds to receive exclusions on state sales and
use tax when purchasing storm shutter devices that
provide window damage protection in a storm or
hurricane.
saLes tax excLusions
action requireD
Hurricane hardware - tie studs
to bottom plate anchored to
raised foundation wall.
Metal roong - hidden
fasteners reduce leaks. Extra
screws and edge details cre-
ate 130-mph wind resistance.
Roof framing - the rim band
is connected to the top plate
which is bolted to the
cement in the ICF blocks.
Hurricane Brace
Photos courtesy of LSU AgCenter’s LaHouse project.
For more information, visit www.louisianahouse.org
Jim DoneLon
commissioner of insurance
Secondary water resistance -
roof panel joints are covered
with adhesive polymer
modied bitumen tape.
The rst mandatory statewide building code, the
Louisiana State Uniform Construction Code,
was passed during the 2005 First Extraordinary
Legislative Session, immediately following
Hurricanes Katrina and Rita. Act 335 of the 2007
Regular Session of the Louisiana Legislature provides
resources for training and enforcement of the code.
The Legislature sought to encourage implementation
of the code by providing incentives, still eective,
to home owners who are willing to strengthen their
homes against storms and hurricanes.
resiDentiaL property storm
mitigation incentives
insurance premium Discounts
Mitigation incentives include:
* build or retrot a structure to comply with the
requirements of the Louisiana State Uniform
Construction Code and/or;
* install damage mitigation improvements or
retrot their property utilizing construction
techniques demonstrated to reduce the amount of
loss from a windstorm or hurricane.
* building design
* roof bracing
* secondary water barriers
* opening protection
* roof-to-wall strength
* roof deck attachment
* roof covering and roof covering performance
* wall-to-oor-to-foundation strength
* window, door and skylight strength
* other mitigation improvements and/or
construction techniques that the insurer may
determine to reduce the risk of loss due to wind.
Premium discounts apply to one or two-family
owner occupied homes and modular homes.
They do not apply to commercial or commercial
residential properties with three or more units, or
to manufactured or mobile homes. Discounts are
granted based on damage mitigation improvements
and construction techniques listed on the Louisiana
Hurricane Loss Mitigation Form. Contact your
insurance company or agent for more information.
Act 467 of the 2007 Regular Session allows tax
deductions for insureds who voluntarily retrot
an existing residential structure to bring it into
compliance with the State Uniform Construction
Code. This construction code retrotting deduction
is an amount equal to 50 percent of the cost paid or
incurred for the retrot, less the value of any other
state, municipal or federally-sponsored nancial
incentives for the cost paid. The taxpayer must
claim the homestead exemption for the home being
retrotted and the home cannot be rental property.
Inspection and certication must be performed
by a building code enforcement ocer, registered
architect or engineer, or a registered third-party
provider authorized by the Louisiana State Uniform
Construction Code Council to perform building
inspections. For a list of registered third party
providers, visit www.dps.louisiana.gov/lsuccc. Tax
The tax deduction can be no more than $5,000
per retrotted residential structure and is claimed
on the tax return for the year in which the work is
completed. Proof that the retrot complies with the
State Uniform Construction Code, documentation
of the cost of the project, and assurance that the
project was voluntary as dened by the law, must
be submitted with the state tax return.
These damage mitigation improvements and /or
construction techniques include, but are not limited
to:
Proof of eligibility for premium discounts must
be provided by the insured. The insurer may
require completion of the Louisiana Hurricane
Loss Mitigation Form or other documentation to
demonstrate compliance with the State Uniform
Construction Code, such as permits, certicates
of occupancy, inspection reports or receipts. If
deemed necessary, the insurer may also perform
its own independent inspection.
tax DeDuctions
Advanced framing - larger lumber, but
wider spacing and stack framing provides
strength and more insulation with fewer
studs and lower framing cost.
Exclusions from local sales and use tax when
purchasing storm shutter devices for hurricane
protection.
Tax deductions for voluntarily retroting an
existing residential structure to bring it into
compliance with the new building code.
Insurance premium discounts when a home
owner builds or retrots a structure to comply
with the Louisiana State Uniform Construction
Code, or installs mitigation improvements
demonstrated to reduce the amount of loss from
a windstorm or hurricane.
Act 323 of the 2007 Regular Session of the
Louisiana Legislature requires insurance
companies to establish and oer discounts to those
property owners who:
State: TEXAS
Line of Business: HOMEOWNERS
Effective: JUNE 30, 2015
Companies: UNITED SERVICES AUTOMOBILE ASSOCIATION
USAA CASUALTY INSURANCE COMPANY
USAA GENERAL INDEMNITY COMPANY
GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY
ROOF FACTORS
USAA GROUP
OWNERS FORMS
Other Wind and Hail
Impact Resistant
Roof Type
Code Class Code* 0 1 2 3 4 5 6 7 8 9 10
Aluminum AL 0 0.9601 0.9601 0.9614 0.9626 0.9639 0.9653 0.9665 0.9678 0.9692 0.9704 0.9717
Aluminum AL 1 0.8353 0.8353 0.8364 0.8375 0.8386 0.8398 0.8409 0.8420 0.8431 0.8443 0.8455
Aluminum AL 2 0.7392 0.7392 0.7403 0.7412 0.7423 0.7432 0.7443 0.7453 0.7463 0.7473 0.7482
Aluminum AL 3 0.6145 0.6145 0.6153 0.6160 0.6169 0.6177 0.6186 0.6194 0.6202 0.6211 0.6219
Aluminum AL 4 0.4512 0.4512 0.4518 0.4524 0.4530 0.4537 0.4542 0.4548 0.4555 0.4561 0.4567
Asbestos AS 0 0.9779 0.9779 0.9936 1.0094 1.0257 1.0422 1.0590 1.0760 1.0932 1.1108 1.1286
Asbestos AS 1 0.9681 0.9681 0.9752 0.9823 0.9895 0.9968 1.0041 1.0114 1.0189 1.0263 1.0338
Asbestos AS 2 0.9369 0.9369 0.9381 0.9394 0.9407 0.9419 0.9432 0.9445 0.9458 0.9470 0.9483
Asbestos AS 3 0.7787 0.7787 0.7798 0.7808 0.7819 0.7829 0.7840 0.7850 0.7861 0.7871 0.7882
Asbestos AS 4 0.5719 0.5719 0.5727 0.5735 0.5742 0.5750 0.5758 0.5766 0.5773 0.5781 0.5789
Cloth CL 0 0.9239 0.9239 0.9386 0.9536 0.9690 0.9845 1.0004 1.0164 1.0328 1.0493 1.0662
Cloth CL 1 0.9147 0.9147 0.9214 0.9282 0.9350 0.9418 0.9487 0.9557 0.9627 0.9697 0.9768
Cloth CL 2 0.8850 0.8850 0.8862 0.8874 0.8886 0.8898 0.8910 0.8922 0.8934 0.8946 0.8958
Cloth CL 3 0.7357 0.7357 0.7367 0.7377 0.7387 0.7397 0.7407 0.7417 0.7427 0.7437 0.7447
Cloth CL 4 0.5403 0.5403 0.5410 0.5417 0.5425 0.5432 0.5439 0.5447 0.5454 0.5461 0.5469
Concrete Tile CN 0 0.5321 0.5321 0.5328 0.5335 0.5342 0.5350 0.5357 0.5364 0.5371 0.5378 0.5386
Concrete Tile CN 1 0.4630 0.4630 0.4636 0.4642 0.4648 0.4655 0.4661 0.4667 0.4673 0.4680 0.4686
Concrete Tile CN 2 0.4097 0.4097 0.4103 0.4108 0.4114 0.4120 0.4125 0.4131 0.4136 0.4142 0.4147
Concrete Tile CN 3 0.3406 0.3406 0.3410 0.3415 0.3419 0.3424 0.3429 0.3433 0.3438 0.3442 0.3447
Concrete Tile CN 4 0.2501 0.2501 0.2504 0.2508 0.2511 0.2514 0.2518 0.2521 0.2525 0.2528 0.2531
Composition Shingle CS 0 0.8460 0.8460 0.8595 0.8733 0.8873 0.9016 0.9161 0.9308 0.9458 0.9609 0.9764
Composition Shingle CS 1 0.8375 0.8375 0.8436 0.8498 0.8560 0.8623 0.8686 0.8750 0.8814 0.8879 0.8944
Composition Shingle CS 2 0.8106 0.8106 0.8117 0.8127 0.8138 0.8149 0.8160 0.8171 0.8182 0.8193 0.8204
Composition Shingle CS 3 0.6737 0.6737 0.6746 0.6755 0.6764 0.6773 0.6782 0.6791 0.6800 0.6809 0.6819
Composition Shingle CS 4 0.4947 0.4947 0.4954 0.4960 0.4967 0.4974 0.4980 0.4987 0.4994 0.5001 0.5007
Clay Tile CT 0 0.6531 0.6531 0.6540 0.6549 0.6558 0.6567 0.6575 0.6584 0.6593 0.6602 0.6611
Clay Tile CT 1 0.5682 0.5682 0.5690 0.5697 0.5705 0.5713 0.5720 0.5728 0.5736 0.5744 0.5751
Clay Tile CT 2 0.5028 0.5028 0.5035 0.5042 0.5049 0.5056 0.5062 0.5069 0.5076 0.5083 0.5090
Clay Tile CT 3 0.4180 0.4180 0.4185 0.4191 0.4197 0.4202 0.4208 0.4214 0.4219 0.4225 0.4231
Clay Tile CT 4 0.3069 0.3069 0.3073 0.3078 0.3082 0.3086 0.3090 0.3094 0.3098 0.3103 0.3107
Composition Over Wood CW 0 0.9735 0.9735 0.9891 1.0048 1.0211 1.0375 1.0541 1.0711 1.0883 1.1057 1.1235
Composition Over Wood CW 1 0.9638 0.9638 0.9709 0.9780 0.9851 0.9924 0.9996 1.0070 1.0143 1.0218 1.0292
Composition Over Wood CW 2 0.9327 0.9327 0.9339 0.9352 0.9364 0.9377 0.9390 0.9402 0.9415 0.9428 0.9440
Composition Over Wood CW 3 0.7752 0.7752 0.7762 0.7773 0.7783 0.7794 0.7804 0.7815 0.7825 0.7836 0.7846
Composition Over Wood CW 4 0.5693 0.5693 0.5700 0.5708 0.5716 0.5724 0.5731 0.5739 0.5747 0.5754 0.5762
Fiberglass Shingle FB 0 0.8052 0.8052 0.8181 0.8312 0.8446 0.8581 0.8720 0.8859 0.9002 0.9146 0.9293
Fiberglass Shingle FB 1 0.7971 0.7971 0.8029 0.8088 0.8147 0.8207 0.8267 0.8328 0.8389 0.8450 0.8512
Fiberglass Shingle FB 2 0.7715 0.7715 0.7725 0.7735 0.7746 0.7756 0.7767 0.7777 0.7788 0.7798 0.7809
Fiberglass Shingle FB 3 0.6412 0.6412 0.6421 0.6429 0.6438 0.6447 0.6455 0.6464 0.6473 0.6482 0.6490
Fiberglass Shingle FB 4 0.4709 0.4709 0.4715 0.4722 0.4728 0.4734 0.4741 0.4747 0.4754 0.4760 0.4766
Fiber Cement FC 0 0.7101 0.7101 0.7215 0.7330 0.7448 0.7568 0.7690 0.7813 0.7939 0.8066 0.8196
Fiber Cement FC 1 0.7030 0.7030 0.7082 0.7133 0.7186 0.7238 0.7291 0.7345 0.7399 0.7453 0.7507
Fiber Cement FC 2 0.6803 0.6803 0.6812 0.6822 0.6831 0.6840 0.6849 0.6858 0.6868 0.6877 0.6886
Fiber Cement FC 3 0.5655 0.5655 0.5662 0.5670 0.5677 0.5685 0.5693 0.5700 0.5708 0.5716 0.5724
Fiber Cement FC 4 0.4153 0.4153 0.4159 0.4164 0.4170 0.4176 0.4181 0.4187 0.4193 0.4198 0.4204
Resin Formed Shingle FE 0 0.7016 0.7016 0.7129 0.7243 0.7360 0.7478 0.7598 0.7721 0.7844 0.7970 0.8098
Resin Formed Shingle FE 1 0.6946 0.6946 0.6997 0.7048 0.7100 0.7152 0.7204 0.7257 0.7310 0.7364 0.7418
Resin Formed Shingle FE 2 0.6723 0.6723 0.6732 0.6741 0.6750 0.6759 0.6768 0.6777 0.6786 0.6796 0.6805
Resin Formed Shingle FE 3 0.5588 0.5588 0.5595 0.5603 0.5611 0.5618 0.5626 0.5633 0.5641 0.5648 0.5656
Resin Formed Shingle FE 4 0.4103 0.4103 0.4109 0.4114 0.4120 0.4125 0.4131 0.4137 0.4142 0.4148 0.4153
Foam FM 0 0.9150 0.9150 0.9298 0.9446 0.9598 0.9753 0.9910 1.0069 1.0230 1.0394 1.0562
Foam FM 1 0.9059 0.9059 0.9125 0.9192 0.9260 0.9327 0.9396 0.9465 0.9534 0.9604 0.9674
Foam FM 2 0.8768 0.8768 0.8780 0.8792 0.8804 0.8815 0.8827 0.8839 0.8851 0.8863 0.8875
Foa
m
FM 3 0.7287 0.7287 0.7297 0.7307 0.7317 0.7327 0.7337 0.7346 0.7356 0.7366 0.7376
Foam FM 4 0.5352 0.5352 0.5359 0.5366 0.5373 0.5381 0.5388 0.5395 0.5402 0.5410 0.5417
Metal MT 0 0.9136 0.9136 0.9148 0.9160 0.9172 0.9185 0.9197 0.9209 0.9222 0.9234 0.9246
Metal MT 1 0.7948 0.7948 0.7959 0.7969 0.7980 0.7991 0.8002 0.8012 0.8023 0.8034 0.8045
Metal MT 2 0.7034 0.7034 0.7044 0.7053 0.7063 0.7072 0.7082 0.7092 0.7101 0.7111 0.7120
Metal MT 3 0.5847 0.5847 0.5855 0.5862 0.5870 0.5878 0.5886 0.5894 0.5902 0.5910 0.5918
Metal MT 4 0.4293 0.4293 0.4299 0.4305 0.4311 0.4317 0.4322 0.4328 0.4334 0.4340 0.4346
None NA 0 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
None NA 1 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
None NA 2 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
None NA 3 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
None NA 4 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
Other OT 0 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
Other OT 1 1.1324 1.1324 1.1339 1.1354 1.1370 1.1385 1.1400 1.1416 1.1431 1.1447 1.1462
Other OT 2 1.0022 1.0022 1.0036 1.0049 1.0063 1.0077 1.0090 1.0104 1.0117 1.0131 1.0145
Other OT 3 0.8330 0.8330 0.8341 0.8352 0.8364 0.8375 0.8386 0.8398 0.8409 0.8420 0.8432
Other OT 4 0.6118 0.6118 0.6126 0.6135 0.6143 0.6151 0.6159 0.6168 0.6176 0.6184 0.6193
Plastic PL 0 0.9185 0.9185 0.9332 0.9481 0.9634 0.9789 0.9946 1.0106 1.0269 1.0433 1.0601
Plastic PL 1 0.9093 0.9093 0.9160 0.9227 0.9294 0.9362 0.9431 0.9500 0.9570 0.9640 0.9710
Plastic PL 2 0.8800 0.8800 0.8812 0.8824 0.8836 0.8848 0.8860 0.8872 0.8884 0.8896 0.8908
Plastic PL 3 0.7315 0.7315 0.7325 0.7334 0.7344 0.7354 0.7364 0.7374 0.7384 0.7394 0.7404
Plastic PL 4 0.5371 0.5371 0.5379 0.5386 0.5393 0.5400 0.5408 0.5415 0.5422 0.5430 0.5437
Reinforced Plastic RP 0 0.9265 0.9265 0.9414 0.9564 0.9718 0.9874 1.0033 1.0195 1.0358 1.0524 1.0693
Reinforced Plastic RP 1 0.9172 0.9172 0.9239 0.9307 0.9375 0.9444 0.9513 0.9583 0.9653 0.9724 0.9795
Reinforced Plastic RP 2 0.8877 0.8877 0.8889 0.8901 0.8913 0.8925 0.8937 0.8949 0.8961 0.8973 0.8985
Reinforced Plastic RP 3 0.7378 0.7378 0.7388 0.7398 0.7408 0.7418 0.7428 0.7438 0.7448 0.7458 0.7468
Reinforced Plastic RP 4 0.5418 0.5418 0.5426 0.5433 0.5440 0.5448 0.5455 0.5462 0.5470 0.5477 0.5485
Slate SL 0 1.1012 1.1012 1.1026 1.1041 1.1056 1.1071 1.1086 1.1100 1.1116 1.1131 1.1146
Slate SL 1 0.9580 0.9580 0.9592 0.9605 0.9618 0.9631 0.9644 0.9657 0.9670 0.9683 0.9696
Slate SL 2 0.8479 0.8479 0.8490 0.8502 0.8513 0.8525 0.8536 0.8548 0.8559 0.8571 0.8582
Slate SL 3 0.7047 0.7047 0.7057 0.7066 0.7076 0.7085 0.7095 0.7104 0.7114 0.7124 0.7133
Slate SL 4 0.5175 0.5175 0.5182 0.5189 0.5196 0.5203 0.5210 0.5217 0.5224 0.5231 0.5238
Tar TR 0 0.7080 0.7080 0.7192 0.7307 0.7425 0.7545 0.7666 0.7790 0.7914 0.8041 0.8171
Tar TR 1 0.7009 0.7009 0.7060 0.7112 0.7164 0.7217 0.7270 0.7323 0.7376 0.7431 0.7485
Tar TR 2 0.6783 0.6783 0.6792 0.6801 0.6810 0.6819 0.6828 0.6838 0.6847 0.6856 0.6865
Tar TR 3 0.5637 0.5637 0.5645 0.5652 0.5660 0.5667 0.5675 0.5683 0.5690 0.5698 0.5706
Tar TR 4 0.4140 0.4140 0.4145 0.4151 0.4156 0.4162 0.4167 0.4173 0.4179 0.4184 0.4190
Unknown UN 0 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
Unknown UN 1 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
Unknown UN 2 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
Unknown UN 3 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
Unknown UN 4 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
Wood Shake WS 0 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
Wood Shake WS 1 1.1324 1.1324 1.1407 1.1491 1.1575 1.1660 1.1745 1.1831 1.1918 1.2005 1.2093
Wood Shake WS 2 1.0022 1.0022 1.0036 1.0049 1.0063 1.0077 1.0090 1.0104 1.0117 1.0131 1.0145
Wood Shake WS 3 0.8330 0.8330 0.8341 0.8352 0.8364 0.8375 0.8386 0.8398 0.8409 0.8420 0.8432
Wood Shake WS 4 0.6118 0.6118 0.6126 0.6135 0.6143 0.6151 0.6159 0.6168 0.6176 0.6184 0.6193
No Data X 0 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
No Data X 1 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
No Data X 2 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
No Data X 3 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
No Data X 4 1.3017 1.3017 1.3034 1.3052 1.3069 1.3087 1.3104 1.3122 1.3140 1.3158 1.3176
* An impact resistant class code of 0 indicates a non impact resistant roof
TX-R-6.7
State: TEXAS
Line of Business: HOMEOWNERS
Effective: JUNE 30, 2015
Companies: UNITED SERVICES AUTOMOBILE ASSOCIATION
USAA CASUALTY INSURANCE COMPANY
USAA GENERAL INDEMNITY COMPANY
GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY
ROOF FACTORS
USAA GROUP
OWNERS FORMS
Other Wind and Hail
Impact Resistant
Roof Type
Code Class Code*
Aluminum AL 0
Aluminum AL 1
Aluminum AL 2
Aluminum AL 3
Aluminum AL 4
Asbestos AS 0
Asbestos AS 1
Asbestos AS 2
Asbestos AS 3
Asbestos AS 4
Cloth CL 0
Cloth CL 1
Cloth CL 2
Cloth CL 3
Cloth CL 4
Concrete Tile CN 0
Concrete Tile CN 1
Concrete Tile CN 2
Concrete Tile CN 3
Concrete Tile CN 4
Composition Shingle CS 0
Composition Shingle CS 1
Composition Shingle CS 2
Composition Shingle CS 3
Composition Shingle CS 4
Clay Tile CT 0
Clay Tile CT 1
Clay Tile CT 2
Clay Tile CT 3
Clay Tile CT 4
Composition Over Wood CW 0
Composition Over Wood CW 1
Composition Over Wood CW 2
Composition Over Wood CW 3
Composition Over Wood CW 4
Fiberglass Shingle FB 0
Fiberglass Shingle FB 1
Fiberglass Shingle FB 2
Fiberglass Shingle FB 3
Fiberglass Shingle FB 4
Fiber Cement FC 0
Fiber Cement FC 1
Fiber Cement FC 2
Fiber Cement FC 3
Fiber Cement FC 4
Resin Formed Shingle FE 0
Resin Formed Shingle FE 1
Resin Formed Shingle FE 2
Resin Formed Shingle FE 3
Resin Formed Shingle FE 4
Foam FM 0
Foam FM 1
Foam FM 2
11
12 13 14 15 16 17 18 19 20
0.9730 0.9743 0.9758 0.9770 0.9784 0.9797 0.9797 0.9797 0.9797 0.9797
0.8466 0.8477 0.8488 0.8500 0.8511 0.8523 0.8523 0.8523 0.8523 0.8523
0.7493 0.7502 0.7513 0.7523 0.7533 0.7543 0.7543 0.7543 0.7543 0.7543
0.6228 0.6236 0.6245 0.6253 0.6261 0.6270 0.6270 0.6270 0.6270 0.6270
0.4574 0.4579 0.4585 0.4591 0.4598 0.4604 0.4604 0.4604 0.4604 0.4604
1.1467 1.1651 1.1839 1.2028 1.2222 1.2416 1.2416 1.2416 1.2416 1.2416
1.0414 1.0490 1.0567 1.0645 1.0723 1.0802 1.0802 1.0802 1.0802 1.0802
0.9496 0.9509 0.9521 0.9534 0.9547 0.9560 0.9560 0.9560 0.9560 0.9560
0.7893 0.7903 0.7914 0.7925 0.7935 0.7946 0.7946 0.7946 0.7946 0.7946
0.5797 0.5805 0.5812 0.5820 0.5828 0.5836 0.5836 0.5836 0.5836 0.5836
1.0834 1.1007 1.1184 1.1363 1.1547 1.1729 1.1729 1.1729 1.1729 1.1729
0.9840 0.9912 0.9984 1.0058 1.0131 1.0204 1.0204 1.0204 1.0204 1.0204
0.8970 0.8982 0.8995 0.9007 0.9019 0.9031 0.9031 0.9031 0.9031 0.9031
0.7457 0.7467 0.7477 0.7487 0.7497 0.7507 0.7507 0.7507 0.7507 0.7507
0.5476 0.5483 0.5491 0.5498 0.5506 0.5513 0.5513 0.5513 0.5513 0.5513
0.5393 0.5400 0.5407 0.5414 0.5423 0.5430 0.5430 0.5430 0.5430 0.5430
0.4692 0.4699 0.4705 0.4711 0.4718 0.4724 0.4724 0.4724 0.4724 0.4724
0.4153 0.4159 0.4164 0.4170 0.4175 0.4181 0.4181 0.4181 0.4181 0.4181
0.3452 0.3456 0.3461 0.3466 0.3470 0.3475 0.3475 0.3475 0.3475 0.3475
0.2535 0.2538 0.2542 0.2545 0.2549 0.2552 0.2552 0.2552 0.2552 0.2552
0.9921 1.0080 1.0242 1.0406 1.0574 1.0741 1.0741 1.0741 1.0741 1.0741
0.9009 0.9075 0.9142 0.9209 0.9276 0.9345 0.9345 0.9345 0.9345 0.9345
0.8215 0.8227 0.8238 0.8249 0.8260 0.8271 0.8271 0.8271 0.8271 0.8271
0.6828 0.6837 0.6846 0.6856 0.6865 0.6874 0.6874 0.6874 0.6874 0.6874
0.5014 0.5021 0.5028 0.5034 0.5041 0.5048 0.5048 0.5048 0.5048 0.5048
0.6620 0.6628 0.6637 0.6646 0.6655 0.6664 0.6664 0.6664 0.6664 0.6664
0.5759 0.5767 0.5775 0.5782 0.5790 0.5798 0.5798 0.5798 0.5798 0.5798
0.5097 0.5103 0.5110 0.5117 0.5124 0.5131 0.5131 0.5131 0.5131 0.5131
0.4236 0.4242 0.4248 0.4254 0.4259 0.4265 0.4265 0.4265 0.4265 0.4265
0.3111 0.3115 0.3119 0.3124 0.3128 0.3132 0.3132 0.3132 0.3132 0.3132
1.1416 1.1598 1.1785 1.1974 1.2167 1.2360 1.2360 1.2360 1.2360 1.2360
1.0368 1.0444 1.0520 1.0597 1.0675 1.0753 1.0753 1.0753 1.0753 1.0753
0.9453 0.9466 0.9479 0.9491 0.9504 0.9517 0.9517 0.9517 0.9517 0.9517
0.7857 0.7868 0.7878 0.7889 0.7899 0.7910 0.7910 0.7910 0.7910 0.7910
0.5770 0.5778 0.5786 0.5793 0.5801 0.5809 0.5809 0.5809 0.5809 0.5809
0.9443 0.9594 0.9748 0.9905 1.0065 1.0224 1.0224 1.0224 1.0224 1.0224
0.8575 0.8637 0.8701 0.8765 0.8829 0.8895 0.8895 0.8895 0.8895 0.8895
0.7819 0.7830 0.7840 0.7851 0.7861 0.7872 0.7872 0.7872 0.7872 0.7872
0.6499 0.6508 0.6517 0.6525 0.6534 0.6543 0.6543 0.6543 0.6543 0.6543
0.4773 0.4779 0.4786 0.4792 0.4799 0.4805 0.4805 0.4805 0.4805 0.4805
0.8328 0.8461 0.8597 0.8735 0.8876 0.9016 0.9016 0.9016 0.9016 0.9016
0.7562 0.7618 0.7674 0.7730 0.7786 0.7844 0.7844 0.7844 0.7844 0.7844
0.6895 0.6905 0.6914 0.6923 0.6933 0.6942 0.6942 0.6942 0.6942 0.6942
0.5731 0.5739 0.5747 0.5754 0.5762 0.5770 0.5770 0.5770 0.5770 0.5770
0.4210 0.4215 0.4221 0.4227 0.4232 0.4238 0.4238 0.4238 0.4238 0.4238
0.8228 0.8360 0.8494 0.8631 0.8770 0.8909 0.8909 0.8909 0.8909 0.8909
0.7472 0.7527 0.7582 0.7637 0.7693 0.7751 0.7751 0.7751 0.7751 0.7751
0.6814 0.6823 0.6832 0.6842 0.6851 0.6860 0.6860 0.6860 0.6860 0.6860
0.5664 0.5671 0.5679 0.5687 0.5694 0.5702 0.5702 0.5702 0.5702 0.5702
0.4159 0.4165 0.4170 0.4176 0.4181 0.4187 0.4187 0.4187 0.4187 0.4187
1.0732 1.0903 1.1079 1.1257 1.1437 1.1619 1.1619 1.1619 1.1619 1.1619
0.9745 0.9816 0.9888 0.9961 1.0034 1.0109 1.0109 1.0109 1.0109 1.0109
0.8887 0.8899 0.8911 0.8923 0.8935 0.8947 0.8947 0.8947 0.8947 0.8947
Foa
m
FM 3
Foam FM 4
Metal MT 0
Metal MT 1
Metal MT 2
Metal MT 3
Metal MT 4
None NA 0
None NA 1
None NA 2
None NA 3
None NA 4
Other OT 0
Other OT 1
Other OT 2
Other OT 3
Other OT 4
Plastic PL 0
Plastic PL 1
Plastic PL 2
Plastic PL 3
Plastic PL 4
Reinforced Plastic RP 0
Reinforced Plastic RP 1
Reinforced Plastic RP 2
Reinforced Plastic RP 3
Reinforced Plastic RP 4
Slate SL 0
Slate SL 1
Slate SL 2
Slate SL 3
Slate SL 4
Tar TR 0
Tar TR 1
Tar TR 2
Tar TR 3
Tar TR 4
Unknown UN 0
Unknown UN 1
Unknown UN 2
Unknown UN 3
Unknown UN 4
Wood Shake WS 0
Wood Shake WS 1
Wood Shake WS 2
Wood Shake WS 3
Wood Shake WS 4
No Data X 0
No Data X 1
No Data X 2
No Data X 3
No Data X 4
* An impact resistant class code of 0 indicates a non impact resistant roof
0.7386 0.7396 0.7406 0.7416 0.7426 0.7436 0.7436 0.7436 0.7436 0.7436
0.5424 0.5432 0.5439 0.5446 0.5454 0.5461 0.5461 0.5461 0.5461 0.5461
0.9259 0.9271 0.9285 0.9297 0.9310 0.9322 0.9322 0.9322 0.9322 0.9322
0.8056 0.8066 0.8077 0.8088 0.8099 0.8110 0.8110 0.8110 0.8110 0.8110
0.7130 0.7139 0.7149 0.7159 0.7168 0.7178 0.7178 0.7178 0.7178 0.7178
0.5926 0.5934 0.5942 0.5950 0.5958 0.5966 0.5966 0.5966 0.5966 0.5966
0.4352 0.4357 0.4363 0.4369 0.4375 0.4381 0.4381 0.4381 0.4381 0.4381
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.1477 1.1493 1.1508 1.1524 1.1539 1.1555 1.1555 1.1555 1.1555 1.1555
1.0158 1.0172 1.0186 1.0199 1.0213 1.0227 1.0227 1.0227 1.0227 1.0227
0.8443 0.8454 0.8466 0.8477 0.8489 0.8500 0.8500 0.8500 0.8500 0.8500
0.6201 0.6209 0.6218 0.6226 0.6235 0.6243 0.6243 0.6243 0.6243 0.6243
1.0771 1.0943 1.1119 1.1298 1.1480 1.1662 1.1662 1.1662 1.1662 1.1662
0.9782 0.9853 0.9925 0.9998 1.0071 1.0146 1.0146 1.0146 1.0146 1.0146
0.8920 0.8932 0.8944 0.8956 0.8968 0.8980 0.8980 0.8980 0.8980 0.8980
0.7414 0.7424 0.7434 0.7444 0.7454 0.7464 0.7464 0.7464 0.7464 0.7464
0.5444 0.5452 0.5459 0.5466 0.5474 0.5481 0.5481 0.5481 0.5481 0.5481
1.0865 1.1039 1.1217 1.1396 1.1580 1.1764 1.1764 1.1764 1.1764 1.1764
0.9867 0.9939 1.0012 1.0085 1.0159 1.0235 1.0235 1.0235 1.0235 1.0235
0.8997 0.9009 0.9021 0.9034 0.9046 0.9058 0.9058 0.9058 0.9058 0.9058
0.7478 0.7489 0.7499 0.7509 0.7519 0.7529 0.7529 0.7529 0.7529 0.7529
0.5492 0.5499 0.5507 0.5514 0.5522 0.5529 0.5529 0.5529 0.5529 0.5529
1.1161 1.1176 1.1191 1.1206 1.1221 1.1236 1.1236 1.1236 1.1236 1.1236
0.9709 0.9722 0.9736 0.9749 0.9762 0.9775 0.9775 0.9775 0.9775 0.9775
0.8594 0.8606 0.8617 0.8629 0.8640 0.8652 0.8652 0.8652 0.8652 0.8652
0.7143 0.7152 0.7162 0.7172 0.7181 0.7191 0.7191 0.7191 0.7191 0.7191
0.5246 0.5253 0.5260 0.5267 0.5274 0.5281 0.5281 0.5281 0.5281 0.5281
0.8302 0.8435 0.8570 0.8708 0.8848 0.8988 0.8988 0.8988 0.8988 0.8988
0.7540 0.7595 0.7651 0.7707 0.7763 0.7820 0.7820 0.7820 0.7820 0.7820
0.6875 0.6884 0.6893 0.6902 0.6912 0.6921 0.6921 0.6921 0.6921 0.6921
0.5713 0.5721 0.5729 0.5737 0.5744 0.5752 0.5752 0.5752 0.5752 0.5752
0.4196 0.4201 0.4207 0.4213 0.4218 0.4224 0.4224 0.4224 0.4224 0.4224
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.2182 1.2271 1.2361 1.2451 1.2543 1.1555 1.1555 1.1555 1.1555 1.1555
1.0158 1.0172 1.0186 1.0199 1.0213 1.0227 1.0227 1.0227 1.0227 1.0227
0.8443 0.8454 0.8466 0.8477 0.8489 0.8500 0.8500 0.8500 0.8500 0.8500
0.6201 0.6209 0.6218 0.6226 0.6235 0.6243 0.6243 0.6243 0.6243 0.6243
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
1.3193 1.3211 1.3229 1.3246 1.3264 1.3282 1.3282 1.3282 1.3282 1.3282
TX-R-6.8
State: TEXAS
Line of Business: HOMEOWNERS
Effective: JUNE 30, 2015
Companies: UNITED SERVICES AUTOMOBILE ASSOCIATION
USAA CASUALTY INSURANCE COMPANY
USAA GENERAL INDEMNITY COMPANY
GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY
ROOF FACTORS
USAA GROUP
OWNERS FORMS
Other Wind and Hail
Impact Resistant
Roof Type
Code Class Code*
Aluminum AL 0
Aluminum AL 1
Aluminum AL 2
Aluminum AL 3
Aluminum AL 4
Asbestos AS 0
Asbestos AS 1
Asbestos AS 2
Asbestos AS 3
Asbestos AS 4
Cloth CL 0
Cloth CL 1
Cloth CL 2
Cloth CL 3
Cloth CL 4
Concrete Tile CN 0
Concrete Tile CN 1
Concrete Tile CN 2
Concrete Tile CN 3
Concrete Tile CN 4
Composition Shingle CS 0
Composition Shingle CS 1
Composition Shingle CS 2
Composition Shingle CS 3
Composition Shingle CS 4
Clay Tile CT 0
Clay Tile CT 1
Clay Tile CT 2
Clay Tile CT 3
Clay Tile CT 4
Composition Over Wood CW 0
Composition Over Wood CW 1
Composition Over Wood CW 2
Composition Over Wood CW 3
Composition Over Wood CW 4
Fiberglass Shingle FB 0
Fiberglass Shingle FB 1
Fiberglass Shingle FB 2
Fiberglass Shingle FB 3
Fiberglass Shingle FB 4
Fiber Cement FC 0
Fiber Cement FC 1
Fiber Cement FC 2
Fiber Cement FC 3
Fiber Cement FC 4
Resin Formed Shingle FE 0
Resin Formed Shingle FE 1
Resin Formed Shingle FE 2
Resin Formed Shingle FE 3
Resin Formed Shingle FE 4
Foam FM 0
Foam FM 1
Foam FM 2
21
22 23 24 25 26 27 28 29 30+
0.9797 0.9797 0.9797 0.9797 0.9797 0.9797 0.9797 0.9797 0.9797 0.9797
0.8523 0.8523 0.8523 0.8523 0.8523 0.8523 0.8523 0.8523 0.8523 0.8523
0.7543 0.7543 0.7543 0.7543 0.7543 0.7543 0.7543 0.7543 0.7543 0.7543
0.6270 0.6270 0.6270 0.6270 0.6270 0.6270 0.6270 0.6270 0.6270 0.6270
0.4604 0.4604 0.4604 0.4604 0.4604 0.4604 0.4604 0.4604 0.4604 0.4604
1.2416 1.2416 1.2416 1.2416 1.2416 1.2416 1.2416 1.2416 1.2416 1.2416
1.0802 1.0802 1.0802 1.0802 1.0802 1.0802 1.0802 1.0802 1.0802 1.0802
0.9560 0.9560 0.9560 0.9560 0.9560 0.9560 0.9560 0.9560 0.9560 0.9560
0.7946 0.7946 0.7946 0.7946 0.7946 0.7946 0.7946 0.7946 0.7946 0.7946
0.5836 0.5836 0.5836 0.5836 0.5836 0.5836 0.5836 0.5836 0.5836 0.5836
1.1729 1.1729 1.1729 1.1729 1.1729 1.1729 1.1729 1.1729 1.1729 1.1729
1.0204 1.0204 1.0204 1.0204 1.0204 1.0204 1.0204 1.0204 1.0204 1.0204
0.9031 0.9031 0.9031 0.9031 0.9031 0.9031 0.9031 0.9031 0.9031 0.9031
0.7507 0.7507 0.7507 0.7507 0.7507 0.7507 0.7507 0.7507 0.7507 0.7507
0.5513 0.5513 0.5513 0.5513 0.5513 0.5513 0.5513 0.5513 0.5513 0.5513
0.5430 0.5430 0.5430 0.5430 0.5430 0.5430 0.5430 0.5430 0.5430 0.5430
0.4724 0.4724 0.4724 0.4724 0.4724 0.4724 0.4724 0.4724 0.4724 0.4724
0.4181 0.4181 0.4181 0.4181 0.4181 0.4181 0.4181 0.4181 0.4181 0.4181
0.3475 0.3475 0.3475 0.3475 0.3475 0.3475 0.3475 0.3475 0.3475 0.3475
0.2552 0.2552 0.2552 0.2552 0.2552 0.2552 0.2552 0.2552 0.2552 0.2552
1.0741 1.0741 1.0741 1.0741 1.0741 1.0741 1.0741 1.0741 1.0741 1.0741
0.9345 0.9345 0.9345 0.9345 0.9345 0.9345 0.9345 0.9345 0.9345 0.9345
0.8271 0.8271 0.8271 0.8271 0.8271 0.8271 0.8271 0.8271 0.8271 0.8271
0.6874 0.6874 0.6874 0.6874 0.6874 0.6874 0.6874 0.6874 0.6874 0.6874
0.5048 0.5048 0.5048 0.5048 0.5048 0.5048 0.5048 0.5048 0.5048 0.5048
0.6664 0.6664 0.6664 0.6664 0.6664 0.6664 0.6664 0.6664 0.6664 0.6664
0.5798 0.5798 0.5798 0.5798 0.5798 0.5798 0.5798 0.5798 0.5798 0.5798
0.5131 0.5131 0.5131 0.5131 0.5131 0.5131 0.5131 0.5131 0.5131 0.5131
0.4265 0.4265 0.4265 0.4265 0.4265 0.4265 0.4265 0.4265 0.4265 0.4265
0.3132 0.3132 0.3132 0.3132 0.3132 0.3132 0.3132 0.3132 0.3132 0.3132
1.2360 1.2360 1.2360 1.2360 1.2360 1.2360 1.2360 1.2360 1.2360 1.2360
1.0753 1.0753 1.0753 1.0753 1.0753 1.0753 1.0753 1.0753 1.0753 1.0753
0.9517 0.9517 0.9517 0.9517 0.9517 0.9517 0.9517 0.9517 0.9517 0.9517
0.7910 0.7910 0.7910 0.7910 0.7910 0.7910 0.7910 0.7910 0.7910 0.7910
0.5809 0.5809 0.5809 0.5809 0.5809 0.5809 0.5809 0.5809 0.5809 0.5809
1.0224 1.0224 1.0224 1.0224 1.0224 1.0224 1.0224 1.0224 1.0224 1.0224
0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895
0.7872 0.7872 0.7872 0.7872 0.7872 0.7872 0.7872 0.7872 0.7872 0.7872
0.6543 0.6543 0.6543 0.6543 0.6543 0.6543 0.6543 0.6543 0.6543 0.6543
0.4805 0.4805 0.4805 0.4805 0.4805 0.4805 0.4805 0.4805 0.4805 0.4805
0.9016 0.9016 0.9016 0.9016 0.9016 0.9016 0.9016 0.9016 0.9016 0.9016
0.7844 0.7844 0.7844 0.7844 0.7844 0.7844 0.7844 0.7844 0.7844 0.7844
0.6942 0.6942 0.6942 0.6942 0.6942 0.6942 0.6942 0.6942 0.6942 0.6942
0.5770 0.5770 0.5770 0.5770 0.5770 0.5770 0.5770 0.5770 0.5770 0.5770
0.4238 0.4238 0.4238 0.4238 0.4238 0.4238 0.4238 0.4238 0.4238 0.4238
0.8909 0.8909 0.8909 0.8909 0.8909 0.8909 0.8909 0.8909 0.8909 0.8909
0.7751 0.7751 0.7751 0.7751 0.7751 0.7751 0.7751 0.7751 0.7751 0.7751
0.6860 0.6860 0.6860 0.6860 0.6860 0.6860 0.6860 0.6860 0.6860 0.6860
0.5702 0.5702 0.5702 0.5702 0.5702 0.5702 0.5702 0.5702 0.5702 0.5702
0.4187 0.4187 0.4187 0.4187 0.4187 0.4187 0.4187 0.4187 0.4187 0.4187
1.1619 1.1619 1.1619 1.1619 1.1619 1.1619 1.1619 1.1619 1.1619 1.1619
1.0109 1.0109 1.0109 1.0109 1.0109 1.0109 1.0109 1.0109 1.0109 1.0109
0.8947 0.8947 0.8947 0.8947 0.8947 0.8947 0.8947 0.8947 0.8947 0.8947
Foa
m
FM 3
Foam FM 4
Metal MT 0
Metal MT 1
Metal MT 2
Metal MT 3
Metal MT 4
None NA 0
None NA 1
None NA 2
None NA 3
None NA 4
Other OT 0
Other OT 1
Other OT 2
Other OT 3
Other OT 4
Plastic PL 0
Plastic PL 1
Plastic PL 2
Plastic PL 3
Plastic PL 4
Reinforced Plastic RP 0
Reinforced Plastic RP 1
Reinforced Plastic RP 2
Reinforced Plastic RP 3
Reinforced Plastic RP 4
Slate SL 0
Slate SL 1
Slate SL 2
Slate SL 3
Slate SL 4
Tar TR 0
Tar TR 1
Tar TR 2
Tar TR 3
Tar TR 4
Unknown UN 0
Unknown UN 1
Unknown UN 2
Unknown UN 3
Unknown UN 4
Wood Shake WS 0
Wood Shake WS 1
Wood Shake WS 2
Wood Shake WS 3
Wood Shake WS 4
No Data X 0
No Data X 1
No Data X 2
No Data X 3
No Data X 4
* An impact resistant class code of 0 indicates a non impact resistant roof
0.7436 0.7436 0.7436 0.7436 0.7436 0.7436 0.7436 0.7436 0.7436 0.7436
0.5461 0.5461 0.5461 0.5461 0.5461 0.5461 0.5461 0.5461 0.5461 0.5461
0.9322 0.9322 0.9322 0.9322 0.9322 0.9322 0.9322 0.9322 0.9322 0.9322
0.8110 0.8110 0.8110 0.8110 0.8110 0.8110 0.8110 0.8110 0.8110 0.8110
0.7178 0.7178 0.7178 0.7178 0.7178 0.7178 0.7178 0.7178 0.7178 0.7178
0.5966 0.5966 0.5966 0.5966 0.5966 0.5966 0.5966 0.5966 0.5966 0.5966
0.4381 0.4381 0.4381 0.4381 0.4381 0.4381 0.4381 0.4381 0.4381 0.4381
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.1555 1.1555 1.1555 1.1555 1.1555 1.1555 1.1555 1.1555 1.1555 1.1555
1.0227 1.0227 1.0227 1.0227 1.0227 1.0227 1.0227 1.0227 1.0227 1.0227
0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500
0.6243 0.6243 0.6243 0.6243 0.6243 0.6243 0.6243 0.6243 0.6243 0.6243
1.1662 1.1662 1.1662 1.1662 1.1662 1.1662 1.1662 1.1662 1.1662 1.1662
1.0146 1.0146 1.0146 1.0146 1.0146 1.0146 1.0146 1.0146 1.0146 1.0146
0.8980 0.8980 0.8980 0.8980 0.8980 0.8980 0.8980 0.8980 0.8980 0.8980
0.7464 0.7464 0.7464 0.7464 0.7464 0.7464 0.7464 0.7464 0.7464 0.7464
0.5481 0.5481 0.5481 0.5481 0.5481 0.5481 0.5481 0.5481 0.5481 0.5481
1.1764 1.1764 1.1764 1.1764 1.1764 1.1764 1.1764 1.1764 1.1764 1.1764
1.0235 1.0235 1.0235 1.0235 1.0235 1.0235 1.0235 1.0235 1.0235 1.0235
0.9058 0.9058 0.9058 0.9058 0.9058 0.9058 0.9058 0.9058 0.9058 0.9058
0.7529 0.7529 0.7529 0.7529 0.7529 0.7529 0.7529 0.7529 0.7529 0.7529
0.5529 0.5529 0.5529 0.5529 0.5529 0.5529 0.5529 0.5529 0.5529 0.5529
1.1236 1.1236 1.1236 1.1236 1.1236 1.1236 1.1236 1.1236 1.1236 1.1236
0.9775 0.9775 0.9775 0.9775 0.9775 0.9775 0.9775 0.9775 0.9775 0.9775
0.8652 0.8652 0.8652 0.8652 0.8652 0.8652 0.8652 0.8652 0.8652 0.8652
0.7191 0.7191 0.7191 0.7191 0.7191 0.7191 0.7191 0.7191 0.7191 0.7191
0.5281 0.5281 0.5281 0.5281 0.5281 0.5281 0.5281 0.5281 0.5281 0.5281
0.8988 0.8988 0.8988 0.8988 0.8988 0.8988 0.8988 0.8988 0.8988 0.8988
0.7820 0.7820 0.7820 0.7820 0.7820 0.7820 0.7820 0.7820 0.7820 0.7820
0.6921 0.6921 0.6921 0.6921 0.6921 0.6921 0.6921 0.6921 0.6921 0.6921
0.5752 0.5752 0.5752 0.5752 0.5752 0.5752 0.5752 0.5752 0.5752 0.5752
0.4224 0.4224 0.4224 0.4224 0.4224 0.4224 0.4224 0.4224 0.4224 0.4224
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.1555 1.1555 1.1555 1.1555 1.1555 1.1555 1.1555 1.1555 1.1555 1.1555
1.0227 1.0227 1.0227 1.0227 1.0227 1.0227 1.0227 1.0227 1.0227 1.0227
0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500
0.6243 0.6243 0.6243 0.6243 0.6243 0.6243 0.6243 0.6243 0.6243 0.6243
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282 1.3282
TX-R-6.9
State: TEXAS
Line of Business: HOMEOWNERS
Effective: JUNE 30, 2015
Companies: UNITED SERVICES AUTOMOBILE ASSOCIATION
USAA CASUALTY INSURANCE COMPANY
USAA GENERAL INDEMNITY COMPANY
GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY
ROOF FACTORS
USAA GROUP
OWNERS FORMS
Hurricane
Impact Resistant
Roof Type
Code Class Code* 0 1 2 3 4 5 6 7 8 9 10
Aluminum AL 0 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Aluminum AL 1 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Aluminum AL 2 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Aluminum AL 3 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Aluminum AL 4 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Asbestos AS 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Asbestos AS 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Asbestos AS 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Asbestos AS 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Asbestos AS 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Cloth CL 0 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Cloth CL 1 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Cloth CL 2 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Cloth CL 3 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Cloth CL 4 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Concrete Tile CN 0 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Concrete Tile CN 1 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Concrete Tile CN 2 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Concrete Tile CN 3 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Concrete Tile CN 4 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Composition Shingle CS 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Composition Shingle CS 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Composition Shingle CS 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Composition Shingle CS 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Composition Shingle CS 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Clay Tile CT 0 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Clay Tile CT 1 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Clay Tile CT 2 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Clay Tile CT 3 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Clay Tile CT 4 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
Composition Over Wood CW 0 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
Composition Over Wood CW 1 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
Composition Over Wood CW 2 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
Composition Over Wood CW 3 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
Composition Over Wood CW 4 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
Fiberglass Shingle FB 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Fiberglass Shingle FB 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Fiberglass Shingle FB 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Fiberglass Shingle FB 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Fiberglass Shingle FB 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Fiber Cement FC 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Fiber Cement FC 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Fiber Cement FC 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Fiber Cement FC 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Fiber Cement FC 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Resin Formed Shingle FE 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Resin Formed Shingle FE 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Resin Formed Shingle FE 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Resin Formed Shingle FE 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Resin Formed Shingle FE 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Foam FM 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Foam FM 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Foam FM 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Foa
m
FM 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Foam FM 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Metal MT 0 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Metal MT 1 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Metal MT 2 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Metal MT 3 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
Metal MT 4 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
None NA 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
None NA 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
None NA 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
None NA 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
None NA 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Other OT 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Other OT 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Other OT 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Other OT 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Other OT 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Plastic PL 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Plastic PL 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Plastic PL 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Plastic PL 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Plastic PL 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Reinforced Plastic RP 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Reinforced Plastic RP 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Reinforced Plastic RP 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Reinforced Plastic RP 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Reinforced Plastic RP 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Slate SL 0 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
Slate SL 1 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
Slate SL 2 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
Slate SL 3 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
Slate SL 4 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
Tar TR 0 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
Tar TR 1 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
Tar TR 2 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
Tar TR 3 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
Tar TR 4 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
Unknown UN 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Unknown UN 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Unknown UN 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Unknown UN 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Unknown UN 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Wood Shake WS 0 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
Wood Shake WS 1 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
Wood Shake WS 2 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
Wood Shake WS 3 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
Wood Shake WS 4 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
No Data X 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
No Data X 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
No Data X 2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
No Data X 3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
No Data X 4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
* An impact resistant class code of 0 indicates a non impact resistant roof
TX-R-6.10
State: TEXAS
Line of Business: HOMEOWNERS
Effective: JUNE 30, 2015
Companies: UNITED SERVICES AUTOMOBILE ASSOCIATION
USAA CASUALTY INSURANCE COMPANY
USAA GENERAL INDEMNITY COMPANY
GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY
ROOF FACTORS
USAA GROUP
OWNERS FORMS
Hurricane
Impact Resistant
Roof Type
Code Class Code*
Aluminum AL 0
Aluminum AL 1
Aluminum AL 2
Aluminum AL 3
Aluminum AL 4
Asbestos AS 0
Asbestos AS 1
Asbestos AS 2
Asbestos AS 3
Asbestos AS 4
Cloth CL 0
Cloth CL 1
Cloth CL 2
Cloth CL 3
Cloth CL 4
Concrete Tile CN 0
Concrete Tile CN 1
Concrete Tile CN 2
Concrete Tile CN 3
Concrete Tile CN 4
Composition Shingle CS 0
Composition Shingle CS 1
Composition Shingle CS 2
Composition Shingle CS 3
Composition Shingle CS 4
Clay Tile CT 0
Clay Tile CT 1
Clay Tile CT 2
Clay Tile CT 3
Clay Tile CT 4
Composition Over Wood CW 0
Composition Over Wood CW 1
Composition Over Wood CW 2
Composition Over Wood CW 3
Composition Over Wood CW 4
Fiberglass Shingle FB 0
Fiberglass Shingle FB 1
Fiberglass Shingle FB 2
Fiberglass Shingle FB 3
Fiberglass Shingle FB 4
Fiber Cement FC 0
Fiber Cement FC 1
Fiber Cement FC 2
Fiber Cement FC 3
Fiber Cement FC 4
Resin Formed Shingle FE 0
Resin Formed Shingle FE 1
Resin Formed Shingle FE 2
Resin Formed Shingle FE 3
Resin Formed Shingle FE 4
Foam FM 0
Foam FM 1
Foam FM 2
11
12 13 14 15 16 17 18 19 20
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Foa
m
FM 3
Foam FM 4
Metal MT 0
Metal MT 1
Metal MT 2
Metal MT 3
Metal MT 4
None NA 0
None NA 1
None NA 2
None NA 3
None NA 4
Other OT 0
Other OT 1
Other OT 2
Other OT 3
Other OT 4
Plastic PL 0
Plastic PL 1
Plastic PL 2
Plastic PL 3
Plastic PL 4
Reinforced Plastic RP 0
Reinforced Plastic RP 1
Reinforced Plastic RP 2
Reinforced Plastic RP 3
Reinforced Plastic RP 4
Slate SL 0
Slate SL 1
Slate SL 2
Slate SL 3
Slate SL 4
Tar TR 0
Tar TR 1
Tar TR 2
Tar TR 3
Tar TR 4
Unknown UN 0
Unknown UN 1
Unknown UN 2
Unknown UN 3
Unknown UN 4
Wood Shake WS 0
Wood Shake WS 1
Wood Shake WS 2
Wood Shake WS 3
Wood Shake WS 4
No Data X 0
No Data X 1
No Data X 2
No Data X 3
No Data X 4
* An impact resistant class code of 0 indicates a non impact resistant roof
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
TX-R-6.11
State: TEXAS
Line of Business: HOMEOWNERS
Effective: JUNE 30, 2015
Companies: UNITED SERVICES AUTOMOBILE ASSOCIATION
USAA CASUALTY INSURANCE COMPANY
USAA GENERAL INDEMNITY COMPANY
GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY
ROOF FACTORS
USAA GROUP
OWNERS FORMS
Hurricane
Impact Resistant
Roof Type
Code Class Code*
Aluminum AL 0
Aluminum AL 1
Aluminum AL 2
Aluminum AL 3
Aluminum AL 4
Asbestos AS 0
Asbestos AS 1
Asbestos AS 2
Asbestos AS 3
Asbestos AS 4
Cloth CL 0
Cloth CL 1
Cloth CL 2
Cloth CL 3
Cloth CL 4
Concrete Tile CN 0
Concrete Tile CN 1
Concrete Tile CN 2
Concrete Tile CN 3
Concrete Tile CN 4
Composition Shingle CS 0
Composition Shingle CS 1
Composition Shingle CS 2
Composition Shingle CS 3
Composition Shingle CS 4
Clay Tile CT 0
Clay Tile CT 1
Clay Tile CT 2
Clay Tile CT 3
Clay Tile CT 4
Composition Over Wood CW 0
Composition Over Wood CW 1
Composition Over Wood CW 2
Composition Over Wood CW 3
Composition Over Wood CW 4
Fiberglass Shingle FB 0
Fiberglass Shingle FB 1
Fiberglass Shingle FB 2
Fiberglass Shingle FB 3
Fiberglass Shingle FB 4
Fiber Cement FC 0
Fiber Cement FC 1
Fiber Cement FC 2
Fiber Cement FC 3
Fiber Cement FC 4
Resin Formed Shingle FE 0
Resin Formed Shingle FE 1
Resin Formed Shingle FE 2
Resin Formed Shingle FE 3
Resin Formed Shingle FE 4
Foam FM 0
Foam FM 1
Foam FM 2
21
22 23 24 25 26 27 28 29 30+
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418 0.9418
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Foa
m
FM 3
Foam FM 4
Metal MT 0
Metal MT 1
Metal MT 2
Metal MT 3
Metal MT 4
None NA 0
None NA 1
None NA 2
None NA 3
None NA 4
Other OT 0
Other OT 1
Other OT 2
Other OT 3
Other OT 4
Plastic PL 0
Plastic PL 1
Plastic PL 2
Plastic PL 3
Plastic PL 4
Reinforced Plastic RP 0
Reinforced Plastic RP 1
Reinforced Plastic RP 2
Reinforced Plastic RP 3
Reinforced Plastic RP 4
Slate SL 0
Slate SL 1
Slate SL 2
Slate SL 3
Slate SL 4
Tar TR 0
Tar TR 1
Tar TR 2
Tar TR 3
Tar TR 4
Unknown UN 0
Unknown UN 1
Unknown UN 2
Unknown UN 3
Unknown UN 4
Wood Shake WS 0
Wood Shake WS 1
Wood Shake WS 2
Wood Shake WS 3
Wood Shake WS 4
No Data X 0
No Data X 1
No Data X 2
No Data X 3
No Data X 4
* An impact resistant class code of 0 indicates a non impact resistant roof
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440 1.0440
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448 0.9448
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230 0.9230
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991 0.9991
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
TX-R-6.12
OWNERS MANUAL TEXAS
RULES
10-1-2012 INTENDED FOR THE EXCLUSIVE USE AND PROPERTY OF Page 30-2
PREMIUM COMPONENT 1:
Roof Score
Group Roof Score
Roof Score
Group Roof Score
Roof Score
Group Roof Score
1 0.0010 to 0.1392 35 0.8446 to 0.8562 68 1.1710 to 1.1845
2 0.1393 to 0.2784 36 0.8563 to 0.8678 69 1.1846 to 1.2075
3 0.2785 to 0.4176 37 0.8679 to 0.8736 70 1.2076 to 1.2306
4 0.4177 to 0.5568 38 0.8737 to 0.8794 71 1.2307 to 1.2536
5 0.5569 to 0.5753 39 0.8795 to 0.8851 72 1.2537 to 1.2766
6 0.5754 to 0.5938 40 0.8852 to 0.8909 73 1.2767 to 1.2787
7 0.5939 to 0.6123 41 0.8910 to 0.9002 74 1.2788 to 1.2808
8 0.6124 to 0.6308 42 0.9003 to 0.9094 75 1.2809 to 1.2829
9 0.6309 to 0.6442 43 0.9095 to 0.9187 76 1.2830 to 1.2850
10 0.6443 to 0.6576 44 0.9188 to 0.9279 77 1.2851 to 1.2946
11 0.6577 to 0.6709 45 0.9280 to 0.9375 78 1.2947 to 1.3043
12 0.6710 to 0.6843 46 0.9376 to 0.9472 79 1.3044 to 1.3139
13 0.6844 to 0.6914 47 0.9473 to 0.9568 80 1.3140 to 1.3235
14 0.6915 to 0.6985 48 0.9569 to 0.9664 81 1.3236 to 1.3411
15 0.6986 to 0.7056 49 0.9665 to 0.9764 82 1.3412 to 1.3587
16 0.7057 to 0.7127 50 0.9765 to 0.9865 83 1.3588 to 1.3762
17 0.7128 to 0.7201 51 0.9866 to 0.9965 84 1.3763 to 1.3938
18 0.7202 to 0.7275 52 0.9966 to 1.0065 85 1.3939 to 1.4337
19 0.7276 to 0.7348 53 1.0066 to 1.0119 86 1.4338 to 1.4737
20 0.7349 to 0.7422 54 1.0120 to 1.0173 87 1.4738 to 1.5136
21 0.7423 to 0.7459 55 1.0174 to 1.0226 88 1.5137 to 1.5535
22 0.7460 to 0.7496 56 1.0227 to 1.0280 89 1.5536 to 1.5948
23 0.7497 to 0.7533 57 1.0281 to 1.0389 90 1.5949 to 1.6360
24 0.7534 to 0.7570 58 1.0390 to 1.0499 91 1.6361 to 1.6773
25 0.7571 to 0.7649 59 1.0500 to 1.0608 92 1.6774 to 1.7185
26 0.7650 to 0.7728 60 1.0609 to 1.0717 93 1.7186 to 1.7851
27 0.7729 to 0.7806 61 1.0718 to 1.0863 94 1.7852 to 1.8517
28 0.7807 to 0.7885 62 1.0864 to 1.1008 95 1.8518 to 1.9182
29 0.7886 to 0.7967 63 1.1009 to 1.1154 96 1.9183 to 1.9848
30 0.7968 to 0.8049 64 1.1155 to 1.1299 97 1.9849 to 8.8136
31 0.8050 to 0.8130 65 1.1300 to 1.1436 98 8.8137 to 15.6423
32 0.8131 to 0.8212 66 1.1437 to 1.1572 99 15.6424 to 22.4711
33 0.8213 to 0.8329 67 1.1573 to 1.1709 100 22.4712 and above
34 0.8330 to 0.8445
ALLSTATE VEHICLE AND PROPERTYINSURANCE COMPANY
BASIC PREMIUM ADJUSTMENTS
State Farm Lloyds
Homeowners New: 2/15/2017
Texas 187 of 232 Renewal: 2/15/2017
©, Copyright, State Farm Mutual Automobile Insurance Company 2016
No reproduction of this copyrighted material allowed without express written consent from State Farm®
SEACOAST BUILDING CODE DISCOUNT (Homeowners and Homeowners Basic Only)
The following credit applies to dwellings in Zones 19, 23, 27, 31, 33, 34, 37, 40, 41, 43, 44, 46, 47, 48, 49, 51, 52, and 53
if the risk has been certified for compliance with the appropriate building codes. This must be evidenced with a form
issued by the Texas Department of Insurance.
The adjustment applies to the hurricane basic premium only.
Zone Group
Basic
Premium
Adjustment
19, 23, 27, 31, 33, 34,
37, 40, 41, 43, 44, 46,
47, 48, 49, 51, 52, 53
-5%
LibertyMutualPersonalInsuranceCompany
PeerlessIndemnityInsuranceCompany
TexasHomeownerRatingManual
RoofPaymentSchedule
RoofPaymentSchedule RoofType AgeRoo
f
Peril1Peril2Peril3Peril4Peril5Peril6Peril7Peril8Peril9Peril10
Yes AsphaltShingle 0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Yes AsphaltShingle 1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Yes AsphaltShingle 2 1.0000 1.0000 1.0000 0.9830 0.9638 0.9638 0.9499 1.0000 1.0000 1.0000
Yes AsphaltShingle 3 1.0000 1.0000 1.0000 0.9746 0.9457 0.9457 0.9248 1.0000 1.0000 1.0000
Yes AsphaltShingle 4 1.0000 1.0000 1.0000 0.9661 0.9276 0.9276 0.8998 1.0000 1.0000 1.0000
Yes AsphaltShingle 5 1.0000 1.0000 1.0000 0.9576 0.9094 0.9094 0.8747 1.0000 1.0000 1.0000
Yes AsphaltShingle 6 1.0000 1.0000 1.0000 0.9491 0.8913 0.8913 0.8497 1.0000 1.0000 1.0000
Yes AsphaltShingle 7 1.0000 1.0000 1.0000 0.9406 0.8732 0.8732 0.8246 1.0000 1.0000 1.0000
Yes AsphaltShingle 8 1.0000 1.0000 1.0000 0.9321 0.8551 0.8551 0.7996 1.0000 1.0000 1.0000
Yes AsphaltShingle 9 1.0000 1.0000 1.0000 0.9237 0.8370 0.8370 0.7745 1.0000 1.0000 1.0000
Yes AsphaltShingle 10 1.0000 1.0000 1.0000 0.9152 0.8189 0.8189 0.7495 1.0000 1.0000 1.0000
Yes AsphaltShingle 11 1.0000 1.0000 1.0000 0.9067 0.8008 0.8008 0.7244 1.0000 1.0000 1.0000
Yes AsphaltShingle 12 1.0000 1.0000 1.0000 0.8982 0.7827 0.7827 0.6994 1.0000 1.0000 1.0000
Yes AsphaltShingle 13 1.0000 1.0000 1.0000 0.8897 0.7645 0.7645 0.6743 1.0000 1.0000 1.0000
Yes AsphaltShingle 14 1.0000 1.0000 1.0000 0.8813 0.7464 0.7464 0.6493 1.0000 1.0000 1.0000
Yes AsphaltShingle 15 1.0000 1.0000 1.0000 0.8728 0.7283 0.7283 0.6242 1.0000 1.0000 1.0000
Yes AsphaltShingle 16 1.0000 1.0000 1.0000 0.8643 0.7102 0.7102 0.5992 1.0000 1.0000 1.0000
Yes AsphaltShingle 17 1.0000 1.0000 1.0000 0.8558 0.6921 0.6921 0.5741 1.0000 1.0000 1.0000
Yes AsphaltShingle 18 1.0000 1.0000 1.0000 0.8473 0.6740 0.6740 0.5491 1.0000 1.0000 1.0000
Yes AsphaltShingle 19 1.0000 1.0000 1.0000 0.8388 0.6559 0.6559 0.5240 1.0000 1.0000 1.0000
Yes AsphaltShingle 20 1.0000 1.0000 1.0000 0.8304 0.6378 0.6378 0.4990 1.0000 1.0000 1.0000
Yes AsphaltShingle 21 1.0000 1.0000 1.0000 0.8219 0.6196 0.6196 0.4739 1.0000 1.0000 1.0000
Yes AsphaltShingle 22 1.0000 1.0000 1.0000 0.8134 0.6015 0.6015 0.4489 1.0000 1.0000 1.0000
Yes AsphaltShingle 23 1.0000 1.0000 1.0000 0.8049 0.5834 0.5834 0.4238 1.0000 1.0000 1.0000
Yes AsphaltShingle 24 1.0000 1.0000 1.0000 0.7964 0.5653 0.5653 0.3988 1.0000 1.0000 1.0000
RoofPaymentSchedule
R‐1
Texas Windstorm Insurance Association
Building Code Comparison
Hurricane Harvey
Policies In-Force as of 8/31/2017
Aransas, Nueces, and San Patricio Counties
Building Risks
Premium Reported Claim Reported Claim Reported
Code In-Force In-Force
Claims Frequency Loss & ALAE Severity Loss Ratio Relativity
(1) (2) (3) (4)
(5) (6) (7) (8) (9)
IRC / IBC 9,760
16,390,751 6,477 66.4% 138,703,599 21,415 846.2%
0.886
WRC 3,239 5,582,747 2,557 78.9% 66,284,088 25,923 1187.3% 1.243
None or Prio
45,224 70,455,363 28,978
64.1% 678,056,782 23,399 962.4% 1.007
Total 58,223 92,428,861 38,012 65.3%
883,044,470 23,231 955.4% 1.000
(1) Building code, as determined by applicable building code credit
(2) Risks in-force in selected counties as of 8/31/2017
(3) Annual premium on risks in-force as of 8/31/2017
(3) Number of reported claims resulting from Hurricane Harvey
(5) = (4) / (2); Percentage of risks in-force with an associated claim from Hurricane Harvey
(6) Total reported losses and ALAE on Hurricane Harvey claims
(7) = (6) / (4); Average reported amount on Hurricane Harvey claims
(8) = (6) / (3); Average reported loss ratio on Hurricane Harvey claims
(9) = (8) / Total (8)
Texas Windstorm Insurance Association
Building Code Comparison
Hurricane Hanna
Policies In-Force as of 7/31/2020
Cameron, Kenedy, Kleberg, and Willacy Counties
Building Risks
Premium Reported Claim Reported Claim Reported
Code In-Force In-Force
Claims Frequency Loss & ALAE Severity Loss Ratio Relativity
(1) (2) (3) (4)
(5) (6) (7) (8) (9)
IRC / IBC 1,969
2,555,150 94 4.8% 630,457 6,707 24.7%
0.632
WRC 628 989,861 46 7.3% 328,070 7,132 33.1% 0.849
None or Prio
8,391 9,977,244 530
6.3% 4,317,599 8,146 43.3% 1.109
Total 10,988 13,522,255 670 6.1%
5,276,126 7,875 39.0% 1.000
(1) Building code, as determined by applicable building code credit
(2) Risks in-force in selected counties as of 7/31/2020
(3) Annual premium on risks in-force as of 7/31/2020
(3) Number of reported claims resulting from Hurricane Hanna
(5) = (4) / (2); Percentage of risks in-force with an associated claim from Hurricane Hanna
(6) Total reported losses and ALAE on Hurricane Hanna claims
(7) = (6) / (4); Average reported amount on Hurricane Hanna claims
(8) = (6) / (3); Average reported loss ratio on Hurricane Hanna claims
(9) = (8) / Total (8)
Texas Windstorm Insurance Association
Building Code Comparison
Hurricane Laura
Policies In-Force as of 8/31/2020
Jefferson County
Building Risks
Premium Reported Claim Reported Claim Reported
Code In-Force In-Force
Claims Frequency Loss & ALAE Severity Loss Ratio Relativity
(1) (2) (3) (4)
(5) (6) (7) (8) (9)
IRC / IBC 2,831
4,447,541 343 12.1% 1,356,585 3,955 30.5%
0.533
WRC 349 597,168 89 25.5% 423,398 4,757 70.9% 1.239
None or Prio
21,052 30,665,279 3,683
17.5% 18,647,841 5,063 60.8% 1.063
Total 24,232 35,709,988 4,115 17.0%
20,427,824 4,964 57.2% 1.000
(1) Building code, as determined by applicable building code credit
(2) Risks in-force in selected counties as of 8/31/2020
(3) Annual premium on risks in-force as of 8/31/2020
(3) Number of reported claims resulting from Hurricane Laura
(5) = (4) / (2); Percentage of risks in-force with an associated claim from Hurricane Laura
(6) Total reported losses and ALAE on Hurricane Laura claims
(7) = (6) / (4); Average reported amount on Hurricane Laura claims
(8) = (6) / (3); Average reported loss ratio on Hurricane Laura claims
(9) = (8) / Total (8)
Texas Windstorm Insurance Association
Building Code Comparison
Hurricane Delta
Policies In-Force as of 9/30/2020
Jefferson County
Building Risks
Premium Reported Claim Reported Claim Reported
Code In-Force In-Force
Claims Frequency Loss & ALAE Severity Loss Ratio Relativity
(1) (2) (3) (4)
(5) (6) (7) (8) (9)
IRC / IBC 2,891
4,487,926 368 12.7% 1,767,802 4,804 39.4%
0.675
WRC 354 602,928 69 19.5% 651,831 9,447 108.1% 1.851
None or Prio
21,310 30,904,097 3,244
15.2% 18,600,084 5,734 60.2% 1.031
Total 24,555 35,994,951 3,681 15.0%
21,019,716 5,710 58.4% 1.000
(1) Building code, as determined by applicable building code credit
(2) Risks in-force in selected counties as of 9/30/2020
(3) Annual premium on risks in-force as of 9/30/2020
(3) Number of reported claims resulting from Hurricane Delta
(5) = (4) / (2); Percentage of risks in-force with an associated claim from Hurricane Delta
(6) Total reported losses and ALAE on Hurricane Delta claims
(7) = (6) / (4); Average reported amount on Hurricane Delta claims
(8) = (6) / (3); Average reported loss ratio on Hurricane Delta claims
(9) = (8) / Total (8)
Texas Windstorm Insurance Association
Roof Age Comparison
Hurricane Harvey
Policies In-Force as of 8/31/2017
Aransas, Nueces, and San Patricio Counties
Age of Risks
Premium Reported Claim Reported Claim Reported
Roof In-Force In-Force
Claims Frequency Loss & ALAE Severity Loss Ratio Relativity
(1) (2) (3) (4)
(5) (6) (7) (8) (9)
Older 12,296
17,621,391 7,987 65.0% 176,573,848 22,108 1002.0%
1.049
16-20 9,347 15,198,617 6,995 74.8% 202,128,635 28,896 1329.9% 1.392
11-15 11,052 17,213,015 7,250
65.6% 146,470,681 20,203 850.9% 0.891
6-10 13,462
23,387,103 9,112 67.7% 243,366,251 26,708
1040.6% 1.089
0-5 12,066 19,008,735
6,668 55.3% 114,505,054 17,172 602.4% 0.631
Total 58,223 92,428,861 38,012 65.3% 883,044,470 23,231 955.4%
1.000
(1) Age of roof, as determined by WPI-8 data and application information
(2) Risks in-force in selected counties as of 8/31/2017
(3) Annual premium on risks in-force as of 8/31/2017
(3) Number of reported claims resulting from Hurricane Harvey
(5) = (4) / (2); Percentage of risks in-force with an associated claim from Hurricane Harvey
(6) Total reported losses and ALAE on Hurricane Harvey claims
(7) = (6) / (4); Average reported amount on Hurricane Harvey claims
(8) = (6) / (3); Average reported loss ratio on Hurricane Harvey claims
(9) = (8) / Total (8)
Texas Windstorm Insurance Association
Roof Age Comparison
Hurricane Hanna
Policies In-Force as of 7/31/2020
Cameron, Kenedy, Kleberg, and Willacy Counties
Age of Risks
Premium Reported Claim Reported Claim Reported
Roof In-Force In-Force
Claims Frequency Loss & ALAE Severity Loss Ratio Relativity
(1) (2) (3) (4)
(5) (6) (7) (8) (9)
Older 3,406
3,367,858 199 5.8% 1,755,547 8,822 52.1%
1.336
16-20 2,609 3,136,453 193 7.4% 1,468,735 7,610 46.8% 1.200
11-15 3,078 4,522,332 211
6.9% 1,702,656 8,069 37.6% 0.965
6-10 1,053
1,418,027 38 3.6% 268,095 7,055
18.9% 0.485
0-5 842 1,077,585
29 3.4% 81,093 2,796 7.5% 0.193
Total 10,988 13,522,255 670 6.1% 5,276,126 7,875 39.0%
1.000
(1) Age of roof, as determined by WPI-8 data and application information
(2) Risks in-force in selected counties as of 7/31/2020
(3) Annual premium on risks in-force as of 7/31/2020
(3) Number of reported claims resulting from Hurricane Hanna
(5) = (4) / (2); Percentage of risks in-force with an associated claim from Hurricane Hanna
(6) Total reported losses and ALAE on Hurricane Hanna claims
(7) = (6) / (4); Average reported amount on Hurricane Hanna claims
(8) = (6) / (3); Average reported loss ratio on Hurricane Hanna claims
(9) = (8) / Total (8)
Texas Windstorm Insurance Association
Roof Age Comparison
Hurricane Laura
Policies In-Force as of 8/31/2020
Jefferson County
Age of Risks
Premium Reported Claim Reported Claim Reported
Roof In-Force In-Force
Claims Frequency Loss & ALAE Severity Loss Ratio Relativity
(1) (2) (3) (4)
(5) (6) (7) (8) (9)
Older 4,095
5,522,914 766 18.7% 4,230,483 5,523 76.6%
1.339
16-20 2,085 3,207,757 403 19.3% 2,193,230 5,442 68.4% 1.195
11-15 11,956 18,051,844 2,181
18.2% 11,423,685 5,238 63.3% 1.106
6-10 2,510
3,551,829 343 13.7% 1,379,911 4,023
38.9% 0.679
0-5 3,586 5,375,644
422 11.8% 1,200,515 2,845 22.3% 0.390
Total 24,232 35,709,988 4,115 17.0% 20,427,824 4,964 57.2%
1.000
(1) Age of roof, as determined by WPI-8 data and application information
(2) Risks in-force in selected counties as of 8/31/2020
(3) Annual premium on risks in-force as of 8/31/2020
(3) Number of reported claims resulting from Hurricane Laura
(5) = (4) / (2); Percentage of risks in-force with an associated claim from Hurricane Laura
(6) Total reported losses and ALAE on Hurricane Laura claims
(7) = (6) / (4); Average reported amount on Hurricane Laura claims
(8) = (6) / (3); Average reported loss ratio on Hurricane Laura claims
(9) = (8) / Total (8)
Texas Windstorm Insurance Association
Roof Age Comparison
Hurricane Delta
Policies In-Force as of 9/30/2020
Jefferson County
Age of Risks
Premium Reported Claim Reported Claim Reported
Roof In-Force In-Force
Claims Frequency Loss & ALAE Severity Loss Ratio Relativity
(1) (2) (3) (4)
(5) (6) (7) (8) (9)
Older 4,222
5,662,647 688 16.3% 4,375,114 6,359 77.3%
1.323
16-20 2,081 3,189,605 326 15.7% 2,327,972 7,141 73.0% 1.250
11-15 12,039 18,066,441 1,913
15.9% 11,143,127 5,825 61.7% 1.056
6-10 2,558
3,605,447 337 13.2% 1,721,654 5,109
47.8% 0.818
0-5 3,655 5,470,811
417 11.4% 1,451,850 3,482 26.5% 0.454
Total 24,555 35,994,951 3,681 15.0% 21,019,716 5,710 58.4%
1.000
(1) Age of roof, as determined by WPI-8 data and application information
(2) Risks in-force in selected counties as of 9/30/2020
(3) Annual premium on risks in-force as of 9/30/2020
(3) Number of reported claims resulting from Hurricane Delta
(5) = (4) / (2); Percentage of risks in-force with an associated claim from Hurricane Delta
(6) Total reported losses and ALAE on Hurricane Delta claims
(7) = (6) / (4); Average reported amount on Hurricane Delta claims
(8) = (6) / (3); Average reported loss ratio on Hurricane Delta claims
(9) = (8) / Total (8)
