Non-Life Hail Region Risk

Calculate the Hail Region Solvency Capital Requirement instantly.

Annex VIII Region

#	Annex IX - Zone	WSI
1	Hail zone row	WSI row€
2	Hail zone row	WSI row€
3	Hail zone row	WSI row€

Gross Zone WSI

€2 400 000

Before zone correlations

−

Zone Diversification Benefit

€0

−0.0% of standalone

Capital relief

Specified Hail Loss

€2 400 000

Feeds the regional event-sequence step

Specified Hail Loss

€2 400 000

Zone-correlation result

Gross Event-Sequence Factor

120%

Before reinsurance/SPV recoveries

Hail Region SCR

€2 880 000

Feeds top-level Hail Risk

Specified hail loss build-up

Step	Impact	Running
Annex IX - Zone 1	1200000	1200000
Annex IX - Zone 2	800000	2000000
Annex IX - Zone 3	400000	2400000
Gross WSI	2400000	2400000
Specified Hail Loss	2400000	2400000

Hail zone WSI shares

Module	Share	Amount
Annex IX - Zone 1	50.0%	€1.2M
Annex IX - Zone 2	33.3%	€800K
Annex IX - Zone 3	16.7%	€400K

Hail Annex XXV - Zone correlation matrix

1.001.00

Hail Annex XXV - Zone correlation matrix
	1Annex IX - Zone 1	2Annex IX - Zone 2	3Annex IX - Zone 3
1Annex IX - Zone 1	1.00	1.00	1.00
2Annex IX - Zone 2	1.00	1.00	1.00
3Annex IX - Zone 3	1.00	1.00	1.00

Hail Region Event-Sequence Shock Impact

Shock increase

Base value

Module	Shock	Pre-shock	Post-shock	Charge
Specified Hail Loss	+20%	€2,400,000	€2,880,000	€480,000

1Step 1

Aggregate zone WSI values using Annex XXV correlations

L_r=\sqrt{\sum_{i,j}Corr_{r,i,j}\times WSI_i\times WSI_j}

2Step 2

Apply the gross article event-sequence factor

SCR_r=GrossFactor\times L_r

Understand the Non-Life Hail Region Risk

Non-Life Hail Region Risk

Article 124 defines hail risk through region-specific loss amounts built from zone weighted sums insured and zone correlations.^[1] This regional calculation establishes the Hail Region SCR for the selected Annex VIII region before the Article 124 regional aggregation step.

Inputs

Annex VIII Region: The hail region being calculated. The selected region preserves traceability to the Article 124 regional aggregation basis.
Hail Zone Inputs: Each zone input selects an Annex IX zone and one zone WSI amount. Non-Life Hail Zone WSI provides the calculation path from sums insured, risk weights, and any lower amount cap.
Zone Correlations: Zone-pair coefficients are deduced from Annex XXV for the selected region and selected zones. They are Article 124 legal parameters rather than independent assumptions.

Calculation

The specified hail loss is calculated from the zone weighted sums insured and the Annex XXV zone correlations.

Article 124 applies the gross event-sequence factor to the specified loss. For hail, the Article 124 event sequences both sum to 120% of the specified loss before reinsurance and SPV recoveries. Because this page does not model recoveries event by event, it displays the result as a gross event-sequence uplift, not as separate scenario losses.

Important Notes

The Hail Region SCR output is the regional amount used in the Article 124 hail-risk aggregation. This page models the gross regional formula path. It does not calculate how reinsurance contracts or special purpose vehicles respond to the ordered event sequence; that would require a separate reinsurance-aware event model.

Gross vs. Net SCR: This calculator determines the standalone Non-Life Hail Region Risk SCR. Solvency II risk is only finalized as a net impact on Basic Own Funds after diversification in Non-Life Risk, then within BSCR, and after the top-level LAC TP and LAC DT adjustments.
Regulatory deviation: Material deviation from standard-formula assumptions at this layer may support a capital add-on or a move toward an internal model where justified.^[2]
Reporting: The displayed result is intended to support the corresponding standard-formula component for the S.25.01.01 standard-formula reporting view.^[3]

Sources

Default values are illustrative sample inputs for navigation, training, and QA. Replace them with controlled data before using the result in capital analysis, governance, or reporting decisions.