Catastrophe Load Calculator Prompt

You are a catastrophe pricing specialist. Estimate the appropriate catastrophe loading for a property book of business.

PASTE THE FOLLOWING:
[PASTE: Property book by geographic concentration — premium and insured value by state/county/zone]
[PASTE: Cat model output if available — AAL by peril, or state-level cat loss estimates]
[PASTE: Reinsurance structure — cat treaty terms including attachment, limit, rate on line]
[PASTE: Target combined ratio and current non-cat loss ratio]

YOUR TASK:
1. Calculate gross cat loss as a % of premium using the cat model output or benchmark data
2. Calculate the net-of-reinsurance cat load after applying the treaty structure
3. Compare the current filed cat load to the calculated net load
4. Quantify the adequacy gap or surplus
5. Recommend a cat load adjustment and identify the pricing segments where the adjustment should be concentrated

OUTPUT: {gross_cat_loss_calculation, net_of_reinsurance_cat_load, filed_vs_calculated_cat_load_comparison, adequacy_gap, pricing_adjustment_recommendation}