Tree Pr ee Proximity ximity Finding the good and bad of trees. - PowerPoint PPT Presentation

Tree Proximity: Finding the good and bad of trees. Tree Pr ee Proximity ximity Finding the good and bad of trees. joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Finding Trees joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Found Some Trees joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Four Categories of Tree Proximity Wide Near joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Four Categories of Tree Proximity Wide Near 41% Medium 6% Medium 7% Tall 0% Tall joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. How We Tested Tree Proximity • 5+ Million Policy-Years; 2004-2013 • National Set; Focus on Six States • Controlled for: • Home Age • Roof Age • Property Condition • Year • Focus on Texas and California for RPM joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Wind/Hail Loss in Texas joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Tree Proximity & Wind/Hail Loss in Texas Wind/Hail Loss Frequency 5.0% 50% 4.5% 45% 4.0% 40% 3.5% 35% 3.0% 30% 2.5% 25% 2.0% 20% 1.5% 15% 1.0% 10% 0.5% 5% 0.0% 0% Tall Near Tall Wide Medium Near Medium Wide Tall Not Medium Present Not Present Smallest Segment joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Tree Proximity & Wind/Hail Loss in Texas Wind/Hail Loss Ratio 0.7 50% 45% 0.6 40% 0.5 35% 30% 0.4 25% 0.3 20% 15% 0.2 10% 0.1 5% 0.0 0% Tall Near Tall Wide Medium Near Medium Wide Tall Not Medium Present Not Present Smallest Segment joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Tree Proximity & Wind/Hail Loss in Texas Wind/Hail Loss Frequency by Home Age 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 00 to 20 21 to 30 31+ Tall Not Medium The Rest joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Tree Proximity & Wind/Hail Loss in Texas Wind/Hail Loss Ratio by Home Age 1.20 1.00 0.80 0.60 0.40 0.20 - 00 to 20 21 to 30 31+ Tall Not Medium The Rest joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Tree Proximity & Wind/Hail Loss in Texas Wind/Hail Loss Frequency Wind/Hail Loss Frequency Wind/Hail Loss Frequency by Roof Age by Roof Age by Roof Age (00 to 20 Home Age) (21 to 30 Home Age) (31+ Home Age) 8.0% 7.0% 7.0% 7.0% 6.0% 6.0% 6.0% 5.0% 5.0% 5.0% 4.0% 4.0% 4.0% 3.0% 3.0% 3.0% 2.0% 2.0% 2.0% 1.0% 1.0% 1.0% 0.0% 0.0% 0.0% 00 to 05 06 to 15 16+ 00 to 05 06 to 15 16+ 00 to 05 06 to 15 16+ Tall Not Medium The Rest Tall Not Medium The Rest Tall Not Medium The Rest joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Fire Loss in California joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Tree Proximity & Fire Loss in California Fire Loss Ratio 0.060 60% 0.050 50% 0.040 40% 0.030 30% 0.020 20% 0.010 10% - 0% Tall Near Tall Wide Medium Near Medium Wide Any Tree Presence Present Not Present Smallest Segment joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. Tree Proximity & Fire Loss in California Fire Loss Ratio by Home Age 0.080 0.070 0.060 0.050 0.040 0.030 0.020 0.010 - 00 to 20 21 to 30 31+ Any Tree Presence The Rest joe@buildfax.com

Tree Proximity: Finding the good and bad of trees. For More Information: Joe@BuildFax.com joe@buildfax.com