“…The full version of the model is integrated into HEC-LifeSim v.1.0 (USACE, 2018). This version is the most used in North American consultancy and insurance companies (Needham et al, 2016), and it is being also widely used worldwide (Risher et al, 2017;Hill et al, 2018;Kalinina et al, 2018;Leong-Cuzack et al, 2019;Wang, 2019;Tomura et al, 2020;Bilali et al, 2021;Kalinina et al, 2021;Silva et al, 2021;Bilali et al, 2022).…”