United States perils

Perils and peril codes that Touchstone supports for the United States.

Wildfire sub-peril is available for U.S. exposures only, by separate license.

Note: With Touchstone 2021, you can import hail, tornado, and straight-line wind as separate perils, for the Verisk Severe Thunderstorm Model for the United States only. You can use the exposures for both the current and previous (archive) versions of the model. The new codes are PHL (hail), PTD (tornado), and PSW (straight-line wind).
Import Peril Code Peril Notes
PAL All licensed perils
PEA All earthquake perils including wildfire/bushfire
PEF Fire (wildfire/bushfire, fire following earthquake)
PFF Fire following only
PES

Earthquake shake only

PFL

Inland flood

Applies to on-plain and off-plain flooding associated with non-tropical systems in the contiguous U.S.
PHL Added in version 9.0: Severe thunderstorm with hail (Verisk Severe Thunderstorm Model for the United States only)
PLS Landslide
PNC Non-catastrophe
Important: Non-catastrophe loss analyses were retired in Touchstone 2021 (9.0). Therefore, these fields do not affect losses.
PPH Precipitation flood for the Verisk Hurricane Model for the United States
PSH Hurricane storm surge
PSL Earthquake sprinkler leakage only
PSW Added in version 9.0: Severe thunderstorm with straight- line wind (Verisk Severe Thunderstorm Model for the United States only)
PTD Added in version 9.0: Severe thunderstorm with tornado (Verisk Severe Thunderstorm Model for the United States only)
PTR Terrorism
PTS Tsunami
PWA All wind perils (tropical cyclone, severe storm, and winter storm) Winter storm sub-peril is valid for U.S. exposures only.
PWB Wildfire/bushfire only
PWF All wind and fire following earthquake perils, and wildfire/bushfire
PWH Tropical cyclone only Plate glass sub-peril is available with Verisk Hurricane Model for the United States, by separate license.
PWT Severe thunderstorm
PWW Winter storm
PWX Severe storm (wind excluding tropical cyclone) Winter storm sub-peril is valid for U.S. exposures only.