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Highlights

The 2025.12.b release introduces the Accumulation API, Auto Select API, Risk Data API, and the North America Severe Convective Storm HD models.

• The Accumulation API enables underwriters to incorporate reinsurance treaties in accumulation analysis so that they can account for reinsurance cessions when determining the risk concentration on an account.
• The North America Severe Convective Storm HD Models (HDv1.0) represent a significant advancement in risk modeling for tornado, hail, and straight-line wind perils across the contiguous United States.

Learn More

Accumulation API

The Create Accumulation Job operation (POST /platform/accumulation/v1/jobs) now accepts a list of treaty IDs in account-level accumulation jobs.

An accumulation is a type of analysis that identifies areas of concentrated property or workers compensation exposure. Accumulations calculate the exposed limit, the maximum loss from a single deterministic event.

This operation now enables underwriters to incorporate reinsurance treaties in accumulation analysis so that they can account for reinsurance cessions when determining the risk concentration on an account. Supported treaty types include working excess, surplus share, and quota share.

The optional accountProperties parameter specifies account-level settings. This object accepts a list of treatyIds.

{
  "resourceType": "account",
  "resourceUri": "/platform/riskdata/v1/exposures/10616811/accounts/9",
  "settings": {
    "name": "2025-accumulation-service-test-3-1",
    "message": null,
    "currency": {
      "currency": "USD",
      "currencySchemeName": "RMS Default",
      "currencySchemeCode": null,
      "currencyVersion": "RL25",
      "asOfDate": "2023-12-10"
    },
    "profileIds": [207],
    "financialPerspectives": ["G2"],
    "accountProperties": {
      "treatyIds": [45, 89, 122]
    },
    "notes": null,
    "tagIds": null,
    "eventInfo": {
      "eventDate": 1612224000000,
      "eventDateBehavior": "treatyAndPolicy"
    }
  }
}

Import API

Create Import Folder

The OED (Open Exposure Data) schema is an exposure database format defined by OASIS that is serves as an industry standard schema for Oasis LMF-based models. To learn more about see OED Import.

An import folder is a temporary storage location and a logical path on Amazon S3. Resource data uploaded to an import folder, can be imported into the Intelligent Risk Platform. An OED folder is an import folder that is specifically designed to support the import of accounts, locations, and reinsurance data in support of OED workflows.

OED import folders now support importing four types of files. The accountFile, locationsFile, reinsuranceInfoFile, and reinsuranceScopeFile contain exposure data in either CSV or TXT format. The mappingFile defines mappings between the uploaded exposure data and EDM data in MFF format.

The Import API employs a mapping engine based on the OED 1.1.5 schema definition to map OED data to EDM data. During import, the Import API maps the exposure data, financial data, and secondary modifiers defined in the OED flat files (accountsFile, locationsFile, reinsuranceInfoFile, reinsuranceScopeFile ) to the corresponding EDM tables.

The fileTypes array now accepts a value of mappingFile:

{
  "folderType": "OED",
  "properties": {
    "fileExtension": "csv",
    "fileTypes": [
      "accountsFile",
      "locationsFile",
      "reinsuranceInfoFile",
      "reinsuranceScopeFile",
      "mappingFile"
    ]
  }
}

The fileTypes parameter is not required. If unspecified, the OED import folder returns credentials for uploading all five file types: accountsFile, locationsFile, reinsuranceInfoFile, reinsuranceScopeFile, and mappingFile. If the fileTypes parameter specifies the accountsFiles and locationsFile but not the mappingsFile, no credentials are returned are returned for the mapping file. The reinsuranceInfoFile and reinsuranceScopeFile are mutually inclusive; if either is specified, the other must be included as well.

If successful, this operation returns a 201 Created HTTP response and returns information that will enable the client to upload OED data to the OED import folder. The information returned depends on the number of file types specified in the fileTypes in the request.

For each file type, the response returns the fileUri, a set of presignedParams, and the uploadUrl:

{
  "uploadDetails": {
    "accountsFile": {
      # account file credentials
      },
      "uploadUrl": "https://rms-tenants-ppe-eu-west-1.s3.amazonaws.com/4000540/import/platform/oed/37709/102226-accountsfile.csv"
    },
    "reinsuranceScopeFile": {
    # reinsurance scope file credentials
      },
      "uploadUrl": "https://rms-tenants-ppe-eu-west-1.s3.amazonaws.com/4000540/import/platform/oed/37709/102229-reinsurancescopefile.csv"
    },
    "mappingFile": {
      "fileUri": "platform/import/v1/folders/37709/files/102230",
      "presignParams": {
        "accessKeyId": "xxxxxxxxxxxx",
        "secretAccessKey": "xxxxxxxxxxxx",
        "sessionToken": "xxxxxxxxxxxx",
        "path": "xxxxxxxxxxxx",
        "region": "xxxxxxxxxxxx"
      },
      "uploadUrl": "https://rms-tenants-ppe-eu-west-1.s3.amazonaws.com/4000540/import/platform/oed/37709/102230-mappingfile.mff"
    },
    "locationsFile": {
     # location file credentials
      },
      "uploadUrl": "https://rms-tenants-ppe-eu-west-1.s3.amazonaws.com/4000540/import/platform/oed/37709/102227-locationsfile.csv"
    },
    "reinsuranceInfoFile": {
     # reinsurance info file credentials
      },
      "uploadUrl": "https://rms-tenants-ppe-eu-west-1.s3.amazonaws.com/4000540/import/platform/oed/37709/102228-reinsuranceinfofile.csv"
    }
  },
  "folderType": "OED",
  "folderId": "37709"
}

The pre-signed credentials can be used to upload data to the import folder (an Amazon S3 bucket) on Amazon S3. The uploadUrl specifies the path needed to upload the exposure data to the import folder including the name of the file.

Risk Data API

Get Report View

The Get Report View operation (riskdata/v1/reportviews/{reportViewId}) returns the specified report view.

A report view is a collection of reports that return exposure-specific metrics and statistics. The report view is generated automatically whenever an UnderwriteIQ client creates exposures in batch using the Exposure Bulk Edit operation.

This operation now returns the ACCUMULATIONS_BY_TREATY report.

{
    "reportViewId": 3202,
    "reportViewName": "DemoJB with Marginal Impact",
    "exposureName": "DemoNov2022",
    "createdAt": "2024-01-31T19:40:13.707Z",
    "exposureId": 28104,
    "exposureResourceId": 80,
    "exposureResourceType": "ACCOUNT",
    "createdBy": "[email protected]",
    "notes": "",
    "details": [
    {
        "metricType": "ACCUMULATIONS_BY_TREATY",
        "analysisId": 231774,
        "appAnalysisId": 20406,
        "metricUrl": "https://xxxxx/platform/riskdata/v1/analyses/{analysisId}/treaty-accumulations?eventId={eventId}&treatyId={treatyId}",
        "additionalInfo": {
            "analysisName": "DemoNov2022: ACCOUNT: DemoJB"
        }
     }
    ]

This operation requires the RI-UNDERWRITEIQ entitlement.

Create Risk Data Report

The Create Risk Data Report operation (/platform/riskdata/v1/reports) creates a downloadable report.

This operation now supports ACCOUNT_ACCUMULATION_DETAILS report type.

The request body accepts required four parameters:

{
  "reportType": "ACCOUNT_ACCUMULATION_DETAILS",
  "settings": {
    "fileExtension": "CSV",
    "fileName": "Test",
    "data": ["Geographies", "Policies", "events", "locations"]
  },
  "resourceUri": "/platform/riskdata/v1/analyses/5555",
  "resourceType": "analysis"
}

The request must specify ACCOUNT_ACCUMULATION_DETAILS as the report type. The report is supported for accounts only.

Search Locations

The Search Locations operation (GET /platform/riskdata/v1/exposures/{exposureId}/locations ) now returns roofYear and capacity location property details.

[
    {
        "propertyReference": "Acct_LocBatch_01_Num",
        "location": {
            "property": {
                ...,
                "roofYear": "2016",
                "capacity": 3.0,
                ...
            },
            ...,
            "uri": "/platform/riskdata/v1/exposures/{{exposureId}}/locations/{{locationId}}"
        }
    },
	{
		...
	}
]

Get Location

The Get Location operation (GET /platform/riskdata/v1/exposures/{exposureId}/locations/{locationId} ) now returns several new location properties for the specified location.

New location properties include roofYear and capacity values in the property object, the huRoofAcvFlag in the wsDetail object, and the toRoofAcvFlag, toDmgProvision, toFlashing, toIfmStructCondition, toIfmEquipLoc, toIfmSiteHazard, toRemDesign, toRemSpec, toRemMitigation, toRemSite, toDepreciationAge in the toDetail object.

These new location details are made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

{
    "property": {
        ...,
        "roofYear": "2000",
        "capacity": 2.0
    },
    "locationWsDetail": {
        "id": 34,
        ...,
        "huRoofAcvFlag": true
    },
    "locationToDetail": {
        "id": 29,
        ...,
        "toRoofAcvFlag": true,
        "toDmgProvision": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toFlashing": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toIfmStructCondition": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toIfmEquipLoc": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toIfmSiteHazard": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toRemDesign": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toRemSpec": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toRemMitigation": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toRemSite": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        },
        "toDepreciationAge": {
            "id": 0,
            "code": "",
            "name": "Unknown"
        }
    },
	...,
	...
}

Create Location

The Create Location operation (POST /platform/riskdata/v1/exposures/{exposureId}/locations ) now accepts roofYear and capacity values in the request body.

These objects can be specified in the properties object:

{
    "property": {
        ...,
        "roofYear": "2009",
        "capacity": 2.0
    },
    "address": {
		...
    },
    "currency": {
        "code": "USD",
        "name": ""
    }
}

These optional parameters can be specified in the properties object:

These new location properties is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Update Location

The Update Location operation (PUT /platform/riskdata/v1/exposures/{exposureId}/locations/{locationId} ) now accepts roofYear and capacity values in the request body.

{
    "property": {
        ...,
        "roofYear": "2009",
        "capacity": 2.0
    },
    "address": {
		...
    },
    "currency": {
        "code": "USD",
        "name": ""
    }
}

These optional parameters can be specified in the properties object:

These new location properties is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Create Location WS Peril

The Create WS Peril operation (POST /platform/riskdata/v1/exposures/{exposureId}/locations/{locationId}/locationwsdetail) creates a windstorm (WS) peril for the specified location.

This operation now accepts the huRoofAcvFlag body parameter. This parameter accepts a Boolean value. One of true or false.

{
  "huRoofAcvFlag": true
}

This new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Update Location WS Peril

The Update WS Peril operation (POST /platform/riskdata/v1/exposures/{{exposureId}}/locations/{locationId}/locationwsdetail/{locationwsdetailId}) updates a windstorm (WS) peril for the specified location.

This operation now accepts the huRoofAcvFlag body parameter. This parameter accepts a Boolean value. One of true or false.

{
  "huRoofAcvFlag": true
}

This new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Get Location WS Peril

The Get WS Peril operation (GET /platform/riskdata/v1/exposures/{{exposureId}}/locations/{locationId}/locationwsdetail/{locationwsdetailId}) returns details about windstorm (WS) peril for the specified location.

This operation now returns the huRoofAcvFlag body parameter. This parameter accepts a Boolean value. One of true or false.

This new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Create Location TO Peril

The Create TO Peril operation (POST /platform/riskdata/v1/exposures/{exposureId}/locations/{locationId}/locationtodetail) creates a tornado/hail (TO) peril for the specified location.

This operation now accepts the toDepreciationAge, toDmgProvision, toFlashing, toIfmEquipLoc, toIfmSiteHazard, toIfmStructCondition, toRemDesign, toRemMitigation, toRemSite, toRemSpec, and toRoofAcvFlag body parameters.

{
    ...,
    "toRoofAcvFlag": true,
    "toDmgProvision": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toFlashing": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toIfmStructCondition": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toIfmEquipLoc": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toIfmSiteHazard": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toRemDesign": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toRemSpec": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toRemMitigation": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toRemSite": {
        "id": 0,
        "code": "",
        "name": ""
    },
    "toDepreciationAge": {
        "id": 1,
        "code": "",
        "name": ""
    }
}

These new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Update Location TO Peril

The Update TO Peril operation (PUT /platform/riskdata/v1/exposures/{{exposureId}}/locations/{locationId}/locationtodetail/{locationToDetailId}) updates a tornado/hail (TO) peril for the specified location.

This operation now accepts the toDepreciationAge, toDmgProvision, toFlashing, toIfmEquipLoc, toIfmSiteHazard, toIfmStructCondition, toRemDesign, toRemMitigation, toRemSite, toRemSpec, and toRoofAcvFlag body parameters.

These new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models

Get Location TO Peril

The Update TO Peril operation (GET /platform/riskdata/v1/exposures/{{exposureId}}/locations/{locationId}/locationtodetail/{locationToDetailId}) returns tornado/hail (TO) peril details for the specified location.

This operation now returns the toDepreciationAge, toDmgProvision, toFlashing, toIfmEquipLoc, toIfmSiteHazard, toIfmStructCondition, toRemDesign, toRemMitigation, toRemSite, toRemSpec, and toRoofAcvFlag body parameters.

These new location property is made available via introduction of the North America Severe Convective Storm HD Models. To learn more about these new properties, see North America Severe Convective Storm HD Models:on

North America Severe Convective Storm HD Models

The new Moodyʼs RMS North America Severe Convective Storm HD Models (HDv1.0) represent a significant advancement in risk modeling for tornado, hail, and straight-line wind perils across the contiguous United States.

Version HDv1.0 includes the United States, and version HDv1.1 to be released in 2026 will expand coverage to southern Canada. These models address the rapidly increasing losses from severe convective storms, which have recently surpassed hurricanes as the leading cause of insured losses in North America. Key drivers of this trend include urban expansion, rising construction costs, the proliferation of vulnerable building components, and evolving claims practices. The HD models are designed to help insurers and reinsurers better understand and manage these escalating risks by providing more accurate, high-resolution assessments.

Leveraging the latest scientific data and advanced computational techniques, the HD models introduce innovations such as location-coverage level simulation, temporal modeling of hazard events, and a recalibrated vulnerability framework. The models incorporate extensive meteorological and claims data, enabling a more realistic representation of both frequent and severe events. By delivering transparent, granular risk insights, the HD models empower insurers to make informed decisions, optimize risk management strategies, and enhance resilience in the face of increasingly severe convective storm activity.

New Location Schema Objects

Updates to the Location op are accepted in the request body, namely:

roofYear

The roofYear

capacity

The capacity

toRoofAcvFlag

The toRoofAcvFlag property defines a boolean value that represents a secondary modifier.

toDmgProvision

The toDmgProvision object defines an exposure value that represents a secondary modifier.

toFlashing

The toFlashing object defines an exposure value that represents a secondary modifier.

toIfmStructCondition

The toIfmStructCondition object defines an exposure value that represents a secondary modifier.

toIfmEquipLoc

The toIfmEquipLoc object defines an exposure value that represents a secondary modifier.

toIfmSiteHazard

The toIfmSiteHazard object defines an exposure value that represents a secondary modifier.

toRemDesign

The toRemDesign object defines an exposure value that represents a secondary modifier.

toRemSpec

The toRemSpec object defines an exposure value that represents a secondary modifier.

toRemMitigation

The toRemMitigation object defines an exposure value that represents a secondary modifier.

toRemSite

The toRemSite object defines an exposure value that represents a secondary modifier.

toDepreciationAge

The toDepreciationAge object defines an exposure value that represents a secondary modifier.