Put Hail in Perspective with Our New Hail Claims Report

Download our new Property Hail Claims in the United States: 2000–2013 report to gain valuable insights that will help you better manage your hail risk.


Personal Property

We offer a full range of products and services for personal property insurers, including tools for underwriting and rating, location-specific risk assessment, replacement cost estimation, catastrophe management, predictive analytics, application prefill, and policy programs. Our actuarial, underwriting, and consulting services help you manage risk, reduce policy acquisition costs, improve rate classification integrity, and support your growth and retention strategies.

We provide details on past insurance claims filed by policyholders and claims filed at properties you’re considering for underwriting. Our data includes claim reports from more than 1,490 insurance companies — representing more than 95 percent of the industry’s premium volume. We help you maintain insurance to value through the life of a policy. We offer data and analytic tools to help you manage catastrophe risk. You get objective, accurate risk assessments for catastrophe perils threatening every address in the United States.

Our claims management and fraud tools help you manage the property claims process, and our suite of predictive modeling tools helps you classify, segment, and price your homeowners risks. We have tools to help you estimate the cost of structural repairs and personal property, and we provide models that capture how catastrophes affect properties. You can use our data on insured losses to properties affected by catastrophes to improve underwriting, streamline catastrophe planning, and plan for future risks. And we develop policy language and rating and policywriting rules to cover all kinds of personal property risks.

read the latest issue

Products and Services

Changes to rebuilding costs and properties you insure will affect replacement costs. To verify accurate property information and keep pace with replacement costs, Verisk offers tools to help keep insurance to value (ITV) current throughout the life of the policy.

Through strategic alliances with leading credit information services, Verisk gives you easy access to critical consumer credit data. The information helps you predict the expected loss ratio or claim frequency associated with an insurance policy applicant. Credit scoring can be an invaluable aid in underwriting for new policies and renewals, reducing your loss ratio and increasing the efficiency of your decision making.

Reliable replacement cost estimates are essential to protect customers. These customers are beginning to demand a new way of doing business that puts the estimation process in their hands. 360Value helps property insurers meet evolving customer expectations, while maintaining rating integrity.

ISO's advisory prospective loss costs are accurate projections of average future claim costs and loss-adjustment expenses — overall and by coverage, class, territory, and other categories.

ISOnet — the information service for insurance professionals — offers you access to a collection of more than 9,000 personal and commercial forms and endorsements. The Forms Library contains all simplified ISO forms in effect (based on ISO filings) on or after January 1, 1994. The library also contains a collection of policywriting support forms that can help you satisfy legal requirements and administer your insurance programs.

To manage your company's policy forms and endorsements — and to ensure compliance with state regulations — you need ISO's Forms Information/Report System (FIRST). Available through ISOnet — the information service for insurance professionals — FIRST gives you reports showing the effective dates, expiration dates, and state applicability information for multistate and state forms and endorsements.