Spreadsheet: 0543e28b-e6a3-435d-80c0-c69d2a1d9e95
Sheet: Protection Construction

Owners Forms
USAA Group
Pennsylvania
Current, Indicated, and Proposed Protection / Construction Factors
Construction | Class | Other Perils
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1.0402 | 0.9914 | 0.9914
 | 2 | 1.0402 | 0.9914 | 0.9914
 | 3 | 1 | 1 | 1
 | 4 | 0.9681 | 1.0021 | 1.0021
 | 5 | 0.9681 | 1.016 | 1.016
 | 6 | 0.9681 | 1.0416 | 1.0416
 | 7 | 0.9681 | 1.0655 | 1.0655
 | 8 | 0.9276 | 1.1189 | 1.1189
 | 8B | 0.9276 | 1.2403 | 1.2403
 | 9 | 0.9276 | 1.2403 | 1.2403
 | 10 | 0.9276 | 1.2675 | 1.2675
Masonry | 1 | 1.0376 | 1.0075 | 1.0075
 | 2 | 1.0376 | 1.0075 | 1.0075
 | 3 | 0.9975 | 1.0162 | 1.0162
 | 4 | 0.9656 | 1.0183 | 1.0183
 | 5 | 0.9656 | 1.0324 | 1.0324
 | 6 | 0.9656 | 1.0584 | 1.0584
 | 7 | 0.9656 | 1.0827 | 1.0827
 | 8 | 0.9252 | 1.137 | 1.137
 | 8B | 0.9252 | 1.2604 | 1.2604
 | 9 | 0.9252 | 1.2604 | 1.2604
 | 10 | 0.9252 | 1.288 | 1.288
Construction | Class | Other Fire
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 0.7683 | 0.959 | 0.959
 | 2 | 1 | 0.9888 | 0.9888
 | 3 | 1 | 1 | 1
 | 4 | 1 | 1.0579 | 1.0579
 | 5 | 1.1493 | 1.2346 | 1.2346
 | 6 | 1.3378 | 1.3219 | 1.3219
 | 7 | 1.3378 | 1.3981 | 1.3981
 | 8 | 1.3378 | 1.5476 | 1.5476
 | 8B | 1.3378 | 1.7892 | 1.5959
 | 9 | 1.8283 | 1.7892 | 1.7892
 | 10 | 1.8283 | 1.8676 | 1.8676
Masonry | 1 | 0.557 | 0.8055 | 0.7
 | 2 | 0.7249 | 0.8043 | 0.8043
 | 3 | 0.7249 | 0.83 | 0.83
 | 4 | 0.7249 | 0.8662 | 0.8662
 | 5 | 0.8331 | 0.9994 | 0.9994
 | 6 | 0.9698 | 1.0826 | 1.0826
 | 7 | 0.9698 | 1.1209 | 1.1209
 | 8 | 0.9698 | 1.1984 | 1.1984
 | 8B | 0.9698 | 1.4839 | 1.2555
 | 9 | 1.3254 | 1.4839 | 1.4839
 | 10 | 1.3254 | 1.5267 | 1.5267
Construction | Class | Other Wind and Hail
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1 | 0.9688 | 0.9688
 | 2 | 1 | 0.9739 | 0.9739
 | 3 | 1 | 1 | 1
 | 4 | 1 | 1.04 | 1.04
 | 5 | 1 | 1.0679 | 1.0679
 | 6 | 1 | 1.082 | 1.082
 | 7 | 1 | 1.082 | 1.082
 | 8 | 1 | 1.082 | 1.082
 | 8B | 1 | 1.082 | 1.082
 | 9 | 1 | 1.082 | 1.082
 | 10 | 1 | 1.082 | 1.082
Masonry | 1 | 1 | 0.9469 | 0.9469
 | 2 | 1 | 0.9519 | 0.9519
 | 3 | 1 | 0.9663 | 0.9663
 | 4 | 1 | 1.0017 | 1.0017
 | 5 | 1 | 1.0459 | 1.0459
 | 6 | 1 | 1.0539 | 1.0539
 | 7 | 1 | 1.0758 | 1.0758
 | 8 | 1 | 1.0758 | 1.0758
 | 8B | 1 | 1.0758 | 1.0758
 | 9 | 1 | 1.0758 | 1.0758
 | 10 | 1 | 1.0758 | 1.0758
Construction | Class | Theft
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1.0402 | 1 | 1
 | 2 | 1.0402 | 1 | 1
 | 3 | 1 | 1 | 1
 | 4 | 0.9681 | 1 | 1
 | 5 | 0.9681 | 1 | 1
 | 6 | 0.9681 | 1 | 1
 | 7 | 0.9681 | 1.0312 | 1.0312
 | 8 | 0.9276 | 1.2258 | 1.2258
 | 8B | 0.9276 | 1.2578 | 1.2578
 | 9 | 0.9276 | 1.2578 | 1.2578
 | 10 | 0.9276 | 1.2773 | 1.2773
Masonry | 1 | 1.0376 | 1 | 1
 | 2 | 1.0376 | 1 | 1
 | 3 | 0.9975 | 1 | 1
 | 4 | 0.9656 | 1 | 1
 | 5 | 0.9656 | 1 | 1
 | 6 | 0.9656 | 1 | 1
 | 7 | 0.9656 | 1.0312 | 1.0312
 | 8 | 0.9252 | 1.2258 | 1.2258
 | 8B | 0.9252 | 1.2578 | 1.2578
 | 9 | 0.9252 | 1.2578 | 1.2578
 | 10 | 0.9252 | 1.2773 | 1.2773
Construction | Class | Water
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1.0402 | 1 | 1
 | 2 | 1.0402 | 1 | 1
 | 3 | 1 | 1 | 1
 | 4 | 0.9681 | 1 | 1
 | 5 | 0.9681 | 1 | 1
 | 6 | 0.9681 | 1 | 1
 | 7 | 0.9681 | 1 | 1
 | 8 | 0.9276 | 1 | 1
 | 8B | 0.9276 | 1 | 1
 | 9 | 0.9276 | 1 | 1
 | 10 | 0.9276 | 1 | 1
Masonry | 1 | 1.0376 | 1.0263 | 1.0263
 | 2 | 1.0376 | 1.0263 | 1.0263
 | 3 | 0.9975 | 1.0263 | 1.0263
 | 4 | 0.9656 | 1.0263 | 1.0263
 | 5 | 0.9656 | 1.0263 | 1.0263
 | 6 | 0.9656 | 1.0263 | 1.0263
 | 7 | 0.9656 | 1.0263 | 1.0263
 | 8 | 0.9252 | 1.0263 | 1.0263
 | 8B | 0.9252 | 1.0263 | 1.0263
 | 9 | 0.9252 | 1.0263 | 1.0263
 | 10 | 0.9252 | 1.0263 | 1.0263
Construction | Class | Lightning
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1.0402 | 0.9334 | 0.9334
 | 2 | 1.0402 | 0.9529 | 0.9529
 | 3 | 1 | 1 | 1
 | 4 | 0.9681 | 1.0958 | 1.0958
 | 5 | 0.9681 | 1.2687 | 1.2687
 | 6 | 0.9681 | 1.2687 | 1.2687
 | 7 | 0.9681 | 1.2687 | 1.2687
 | 8 | 0.9276 | 1.6977 | 1.6977
 | 8B | 0.9276 | 1.6977 | 1.6977
 | 9 | 0.9276 | 1.6977 | 1.6977
 | 10 | 0.9276 | 1.6977 | 1.6977
Masonry | 1 | 1.0376 | 0.9246 | 0.9246
 | 2 | 1.0376 | 0.9315 | 0.9315
 | 3 | 0.9975 | 0.9926 | 0.9926
 | 4 | 0.9656 | 1.0686 | 1.0686
 | 5 | 0.9656 | 1.2172 | 1.2172
 | 6 | 0.9656 | 1.2172 | 1.2172
 | 7 | 0.9656 | 1.2172 | 1.2172
 | 8 | 0.9252 | 1.6938 | 1.6938
 | 8B | 0.9252 | 1.6938 | 1.6938
 | 9 | 0.9252 | 1.6938 | 1.6938
 | 10 | 0.9252 | 1.6938 | 1.6938
Construction | Class | Liability
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1.0402 | 1 | 1
 | 2 | 1.0402 | 1 | 1
 | 3 | 1 | 1 | 1
 | 4 | 0.9681 | 1.0834 | 1.0834
 | 5 | 0.9681 | 1.1367 | 1.1367
 | 6 | 0.9681 | 1.4597 | 1.4597
 | 7 | 0.9681 | 1.4762 | 1.4762
 | 8 | 0.9276 | 1.7004 | 1.7004
 | 8B | 0.9276 | 1.7251 | 1.7251
 | 9 | 0.9276 | 1.7251 | 1.7251
 | 10 | 0.9276 | 1.7251 | 1.7251
Masonry | 1 | 1.0376 | 0.9889 | 0.9889
 | 2 | 1.0376 | 0.9889 | 0.9889
 | 3 | 0.9975 | 0.9889 | 0.9889
 | 4 | 0.9656 | 1.0714 | 1.0714
 | 5 | 0.9656 | 1.1241 | 1.1241
 | 6 | 0.9656 | 1.4436 | 1.4436
 | 7 | 0.9656 | 1.4598 | 1.4598
 | 8 | 0.9252 | 1.6816 | 1.6816
 | 8B | 0.9252 | 1.706 | 1.706
 | 9 | 0.9252 | 1.706 | 1.706
 | 10 | 0.9252 | 1.706 | 1.706
Construction | Class | Hurricane
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1 | 1 | 1
 | 2 | 1 | 1 | 1
 | 3 | 1 | 1 | 1
 | 4 | 1 | 1 | 1
 | 5 | 1 | 1 | 1
 | 6 | 1 | 1 | 1
 | 7 | 1 | 1 | 1
 | 8 | 1 | 1 | 1
 | 8B | 1 | 1 | 1
 | 9 | 1 | 1 | 1
 | 10 | 1 | 1 | 1
Masonry | 1 | 0.8982 | 0.9284 | 0.9284
 | 2 | 0.8982 | 0.9284 | 0.9284
 | 3 | 0.8982 | 0.9284 | 0.9284
 | 4 | 0.8982 | 0.9284 | 0.9284
 | 5 | 0.8982 | 0.9284 | 0.9284
 | 6 | 0.8982 | 0.9284 | 0.9284
 | 7 | 0.8982 | 0.9284 | 0.9284
 | 8 | 0.8982 | 0.9284 | 0.9284
 | 8B | 0.8982 | 0.9284 | 0.9284
 | 9 | 0.8982 | 0.9284 | 0.9284
 | 10 | 0.8982 | 0.9284 | 0.9284
Construction | Class | Severe Thunderstorm
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1 | 1 | 1
 | 2 | 1 | 1 | 1
 | 3 | 1 | 1 | 1
 | 4 | 1 | 1 | 1
 | 5 | 1 | 1 | 1
 | 6 | 1 | 1 | 1
 | 7 | 1 | 1 | 1
 | 8 | 1 | 1 | 1
 | 8B | 1 | 1 | 1
 | 9 | 1 | 1 | 1
 | 10 | 1 | 1 | 1
Masonry | 1 | 0.904 | 0.9088 | 0.9088
 | 2 | 0.904 | 0.9088 | 0.9088
 | 3 | 0.904 | 0.9088 | 0.9088
 | 4 | 0.904 | 0.9088 | 0.9088
 | 5 | 0.904 | 0.9088 | 0.9088
 | 6 | 0.904 | 0.9088 | 0.9088
 | 7 | 0.904 | 0.9088 | 0.9088
 | 8 | 0.904 | 0.9088 | 0.9088
 | 8B | 0.904 | 0.9088 | 0.9088
 | 9 | 0.904 | 0.9088 | 0.9088
 | 10 | 0.904 | 0.9088 | 0.9088
Construction | Class | Winter Storm
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1 | 1 | 1
 | 2 | 1 | 1 | 1
 | 3 | 1 | 1 | 1
 | 4 | 1 | 1 | 1
 | 5 | 1 | 1 | 1
 | 6 | 1 | 1 | 1
 | 7 | 1 | 1 | 1
 | 8 | 1 | 1 | 1
 | 8B | 1 | 1 | 1
 | 9 | 1 | 1 | 1
 | 10 | 1 | 1 | 1
Masonry | 1 | 0.8856 | 0.8893 | 0.8893
 | 2 | 0.8856 | 0.8893 | 0.8893
 | 3 | 0.8856 | 0.8893 | 0.8893
 | 4 | 0.8856 | 0.8893 | 0.8893
 | 5 | 0.8856 | 0.8893 | 0.8893
 | 6 | 0.8856 | 0.8893 | 0.8893
 | 7 | 0.8856 | 0.8893 | 0.8893
 | 8 | 0.8856 | 0.8893 | 0.8893
 | 8B | 0.8856 | 0.8893 | 0.8893
 | 9 | 0.8856 | 0.8893 | 0.8893
 | 10 | 0.8856 | 0.8893 | 0.8893
Construction | Class | Fire Following Earthquake
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1 | 1 | 1
 | 2 | 1 | 1 | 1
 | 3 | 1 | 1 | 1
 | 4 | 1 | 1 | 1
 | 5 | 1 | 1 | 1
 | 6 | 1 | 1 | 1
 | 7 | 1 | 1 | 1
 | 8 | 1 | 1 | 1
 | 8B | 1 | 1 | 1
 | 9 | 1 | 1 | 1
 | 10 | 1 | 1 | 1
Masonry | 1 | 0.76 | 0.8893 | 0.8983
 | 2 | 0.76 | 0.8893 | 0.8983
 | 3 | 0.76 | 0.8893 | 0.8983
 | 4 | 0.76 | 0.8893 | 0.8983
 | 5 | 0.76 | 0.8893 | 0.8983
 | 6 | 0.76 | 0.8893 | 0.8983
 | 7 | 0.76 | 0.8893 | 0.8983
 | 8 | 0.76 | 0.8893 | 0.8983
 | 8B | 0.76 | 0.8893 | 0.8983
 | 9 | 0.76 | 0.8893 | 0.8983
 | 10 | 0.76 | 0.8893 | 0.8983
Construction | Class | Earthquake Coverage
 |  | Current | Indicated | Proposed | Change
Frame | 1 | 1 | 1 | 1
 | 2 | 1 | 1 | 1
 | 3 | 1 | 1 | 1
 | 4 | 1 | 1 | 1
 | 5 | 1 | 1 | 1
 | 6 | 1 | 1 | 1
 | 7 | 1 | 1 | 1
 | 8 | 1 | 1 | 1
 | 8B | 1 | 1 | 1
 | 9 | 1 | 1 | 1
 | 10 | 1 | 1 | 1
Masonry | 1 | 1.1586 | 1.7812 | 1.2745
 | 2 | 1.1586 | 1.7812 | 1.2745
 | 3 | 1.1586 | 1.7812 | 1.2745
 | 4 | 1.1586 | 1.7812 | 1.2745
 | 5 | 1.1586 | 1.7812 | 1.2745
 | 6 | 1.1586 | 1.7812 | 1.2745
 | 7 | 1.1586 | 1.7812 | 1.2745
 | 8 | 1.1586 | 1.7812 | 1.2745
 | 8B | 1.1586 | 1.7812 | 1.2745
 | 9 | 1.1586 | 1.7812 | 1.2745
 | 10 | 1.1586 | 1.7812 | 1.2745