Location

A physical location or premises that is insured or relevant to a policy. Used in property, GL, and other location-based coverages. Locations form the basis of a Statement of Values (SOV).

Structure

Name	Card.	Type	Description
RLocation			A physical location or premises that is insured or relevant to a policy.
●resourceType	1..1	"Location"	Fixed resource type discriminator
●id	0..1	string	Logical id of this resource.
●meta	0..1	Meta	Metadata about the resource
●status	1..1	active | inactive	Whether this location is currently active/insured
●name	0..1	string	Descriptive name for this location
●address	1..1	Address	Physical address of the location
●occupancy	0..1	CodeableConcept	Type of occupancy at this location. terminology
●constructionType	0..1	CodeableConcept	Construction type (frame, masonry, fire-resistive, etc.) terminology
●yearBuilt	0..1	number	Year the building was constructed.
●yearRenovated	0..1	number	Year of last major renovation, if applicable.
●squareFootage	0..1	Quantity	Total square footage
●stories	0..1	number	Number of stories
●buildingValue	0..1	Money	Insured value of the building/structure
●contentsValue	0..1	Money	Insured value of contents/inventory
●businessIncomeValue	0..1	Money	Business income / business interruption value
●protectionClass	0..1	string	Protection class (ISO fire protection rating)
●sprinklered	0..1	boolean	Whether the location has fire sprinklers
●fireAlarm	0..1	boolean	Whether the location has a fire alarm system
●securitySystem	0..1	boolean	Whether the location has a security system
●distanceToFireStation	0..1	number	Distance to nearest fire station in miles
●distanceToHydrant	0..1	number	Distance to nearest fire hydrant in feet
●floodZone	0..1	string	Flood zone designation (e.g., Zone A, Zone X)
●windExposed	0..1	boolean	Whether the location is in a wind/hurricane-prone area
●insured	0..1	Reference	Reference to the insured who owns/occupies this location
●policy	0..1	Reference	Reference to the policy covering this location
[ ]values	0..*	AssetValuation	Structured asset valuations for this location.
●dwellingType	0..1	CodeableConcept	Type of dwelling at this location. terminology
●roofType	0..1	CodeableConcept	Roof material type. terminology
●roofYear	0..1	number	Year the roof was installed or last replaced.
●roofShape	0..1	CodeableConcept	Roof shape (gable, hip, flat, mansard, gambrel). terminology
●plumbingType	0..1	CodeableConcept	Plumbing material type (copper, PVC, PEX, galvanized, polybutylene). terminology
●plumbingYear	0..1	number	Year the plumbing was installed or last updated.
●heatingType	0..1	CodeableConcept	Heating system type (forced-air, radiant, heat-pump, boiler, electric). terminology
●heatingYear	0..1	number	Year the heating system was installed or last updated.
●electricalType	0..1	CodeableConcept	Electrical system type (circuit-breaker, fuse-box + amperage). terminology
●electricalYear	0..1	number	Year the electrical system was installed or last updated.
●foundationType	0..1	CodeableConcept	Foundation type (slab, crawl-space, basement, piers, stilts). terminology
●hasBasement	0..1	boolean	Whether the dwelling has a basement
●basementType	0..1	CodeableConcept	Basement finish level. terminology
●hasPool	0..1	boolean	Whether the property has a swimming pool
●poolType	0..1	CodeableConcept	Type of swimming pool. terminology
●poolFenced	0..1	boolean	Whether the pool area is fenced
●fireplaces	0..1	number	Number of fireplaces in the dwelling
●detachedStructures	0..1	string	Free-text description of detached structures on the property
●deadbolts	0..1	boolean	Whether the dwelling has deadbolt locks
●smokeDetectors	0..1	boolean	Whether the dwelling has smoke detectors
●waterLeakDetection	0..1	boolean	Whether the dwelling has a water leak detection system
●burglarAlarm	0..1	boolean	Whether the dwelling has a burglar alarm
●fireExtinguisher	0..1	boolean	Whether the dwelling has fire extinguishers
●backupGenerator	0..1	boolean	Whether the dwelling has a backup generator
●protectionClassCode	0..1	CodeableConcept	Protection class (ISO fire protection rating). terminology
●propertyCondition	0..1	CodeableConcept	Overall physical condition of the property. terminology
●sprinklerDetail	0..1	SprinklerDetail	Detailed sprinkler system information (supplements the `sprinklered` boolean)
●alarmType	0..1	CodeableConcept	Fire alarm classification. terminology
[ ]dogBreed	0..*	string[]	Dog breeds present on the property
●hasTrampoline	0..1	boolean	Whether the property has a trampoline
[ ]lienholders	0..*	Lienholder	Mortgage holders and other financial interest parties

Example

{
  "resourceType": "Location",
  "id": "loc-001",
  "status": "active",
  "name": "Main Manufacturing Plant",
  "address": {
    "line": [
      "123 Industrial Blvd"
    ],
    "city": "Hartford",
    "state": "CT",
    "postalCode": "06103"
  },
  "occupancy": {
    "coding": [
      {
        "code": "manufacturing",
        "display": "Manufacturing"
      }
    ]
  },
  "constructionType": {
    "coding": [
      {
        "code": "fire-resistive",
        "display": "Fire Resistive"
      }
    ]
  },
  "yearBuilt": 1995,
  "squareFootage": {
    "value": 50000,
    "unit": "sqft"
  },
  "buildingValue": {
    "value": 5000000,
    "currency": "USD"
  },
  "contentsValue": {
    "value": 2000000,
    "currency": "USD"
  }
}

JSON Schema

Full JSON Schema: Location.schema.json