Insurability Score
One score for how straightforward a property would be to insure, with the factors behind it
Overview
Measures how straightforward a property would be to insure, with a score and AI-powered narrative of what is driving risk. Weighs roof condition, major system ages and repair risk, hazard exposures, and property history into a single read. Underwriting teams triage submissions, and agents set expectations before a buyer commits.
What’s included
- Insurability grade, score, and rating
- Property characteristics and replacement costs
- Plain-language description of score drivers
- Roof condition and remaining lifespan factors
- Major system ages, repair risk, and cost to repair
- Hazard exposure factors: flood, wildfire, wind, hail
- Permit and damaging event history
What teams use it for
Triaging submissions before quoting
Sort the straightforward from the complex before an underwriter opens the file, so the queue is ordered by what is winnable rather than by what arrived first.
Advising buyers on coverage early
Show a buyer how a property is likely to look to carriers while there is still time to plan financing and coverage around it.
Evaluating a renewal book
See which renewals sit differently today than on the day they were written, whether the property changed, the hazard data changed, or both.
Related property data products
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