Abstract

Regional wind loss predictions depend on vulnerability curves. A state of the art approach for developing the vulnerability curves is presented in the paper. It is based on engineering models that estimate the building damage caused by wind pressures, debris impact, and water penetration. This approach is a substantial improvement over traditional approaches, which derive vulnerability curves for different kind of buildings through curve fitting of historical insurance loss data. This paper describes the engineering model used to develop vulnerability curves for commercialresidential buildings in the Florida Public Hurricane Loss Model.

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