Verisk offers a fast, accurate way to get information on building code enforcement with Building Code Effectiveness Grading Schedule (BCEGS®) codes for commercial and personal lines. We also provide jurisdiction names and effective years for risk addresses in all states except Idaho and Washington, D.C.
The building code in effect in a community and the commitment with which the community enforces its code can have a major effect on losses if a hurricane, earthquake, or other natural disaster strikes. A study by Louisiana State University concluded that if Mississippi communities had adopted and enforced the latest building codes, the residential wind damage suffered in Mississippi during Hurricane Katrina would have been 65 percent less, a reduction from $4.8 billion to $1.7 billion.
Through the BCEGS program, we collect information on a communitys building code adoption and enforcement practices. Insurers can use the information for underwriting and to grant premium credits for buildings constructed in jurisdictions that rigorously enforce the latest revisions of the code.