Overcoming the Multi-Roof Challenge in Commercial Property

August 22, 2025 / 1 min read

Assessing risk on a commercial property with multiple roofs presents a special challenge. With roofs that vary by age, materials, shape, and condition, insurers may struggle to gather the data they need to evaluate these vital structural components properly. And that’s if they even know to look: nationwide, there may be as many as 11 million undetected additional structures, leaving properties underinsured and carriers bearing unknown risks.

This issue spans multiple types of properties, including strip malls, retail spaces, and habitational complexes, potentially compromising insurers’ ability to understand a property’s first line of defense against the elements.

aerial-view-of-city

Aerial imagery is a start for an enhanced view of roof risk, helping insurers to target on-site inspections more selectively without sacrificing valuable data on roof condition. However, more is still possible with the ability to assess multiple roofs at once on the same property.

Click to uncover more roofs

Verisk’s enhanced ProMetrix^® Roof Underwriting Report now offers this capability. With a property address and a few clicks, underwriters can select the roofs they want to assess from an aerial view to obtain aggregated condition scores, risk factors, and replacement cost estimates.

The multi-roof enhancement combines Verisk’s proprietary building identification methodology, trusted technology, and vast, exclusive database to deliver detailed, actionable insights such as:

Roof age
Rooftop equipment
Notable conditions
Change over time
Roof replacement cost
Weather-related analytics
Tree coverage
The new and multi-roof capability can help identify patterns and streamline underwriting across multiple structures within one location, simultaneously.

Read more about our roof solutions and contact a Verisk representative

Learn more