To underwrite and set terms accurately, you need information specific to a building, particularly if it’s in a high-exposure area. The reliable wind peril information available through Verisk’s Enhanced Wind Rating Program fills a void in the insurance industry by quantifying an individual building’s resistance and exposure to wind damage.
The Enhanced Wind Rating Program is engineering-based and actuarially sound. Using wind-related building and exposure characteristics, you can identify, measure, and price exposures specific to the wind peril.
Eligibility for the program is based on the geographic risk from wind. We’ve grouped the United States into four wind hazard zones: low, medium, high, and severe. Those zones, combined with the building size, affect a building’s wind resistance and vulnerability. The initial program targets buildings in high-risk areas subject to significant wind losses.
This map shows the relationship between the geographic wind hazard and the building floor area.