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I I. I Tennessee Valley Authority The Tennessee Valley Authority has produced a report for the Federal Insurance Administration which was used in developing rates for I commercial structure and contents (T.V.A., 1969). Damage to building contents were found to fit one of two unit depth-damage relationships. I Most businesses were found to have depth-damage curves of generally a I "s" shape, while others had basically a "u" shape. Figure 5 shows the total spread of both the "s" and the "u" shaped relationships and I the average values recommended for each. Table 1 identifies about 90 businesses which can be represented by the "s" shaped unit depth-damage I curve of Figure Table 2 shows about 20 businesses which can be I represented by the 'V" shaped unit depth-damage curve of the same figure. For computing damage to residential contents and structures the T.V.A. I. used to use a room damage approach where for four different class structures damages were based upon depth of flooding, whether the structure was frame I or masonry and whether the structure was one or two stories. It was not I determined what method the T.V.A, is now using for residential damage evaluation. I Federal Insurance Administration I The Federal Insurance Administration (FIA) has, since 1970, become I a valid source for obtaining depth-damage curves. As the most recent curves officially published by the FIA (1974) are based upon damages as I determined by professional insurance adjusters from the private insurance sector, they are probably the most accurate and least biased of any curves I. I available. 55 I