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Change Detection

Monitoring changes at renewal

Properties and lives change. Can your data keep up at renewal?

From a new pool to a new vacancy, the homes you insure and the people who own them can present ever-evolving risk profiles. Capturing what’s changed at renewal demands constant awareness.

14 Percent Properties

14% of properties have experienced a coverage-impacting event since policy inception

Roof Claims In 2021

More than $19.7B in roof claims in 2021

63 Percent Of Vacant Properties

63% of vacant properties are written on traditional homeowners forms

Renewals are opportunities

Renewals Are Opportunities

Renewals are opportunities

Tap the profit potential in renewals with timely data that overlays property and homeowner changes and helps provide a clear view of your book. Change Detection looks at the risk from multiple angles to give you a more complete perspective on upcoming renewals.

Better decisions start with broad data

Property Changes2

Property Changes

Track permits and premium-impacting events. See how properties are maintained or modified that can mitigate risk or change the insurance-to-value equation.

Ownership Changes

Ownership Changes

Use owner information as an indicator for condition issues. Uncover changes in life and financial status that suggest potential for neglected maintenance and deferred repairs.

Monitor changes at renewal

Monitor Changes At Renewal

From renovations to foreclosures and ownership transfers, Change Detection helps uncover events that shift a property’s risk profile to help you capture accurate premium, underwrite to your risk appetite, and protect profitability.

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Property condition can change over time—or overnight

Condition Solutions

Property condition can change over time—or overnight

An ecosystem of data, imagery, and powerful analytics can help assess age, condition, and even hidden damage that can affect the roof, major systems, and property features.

The Lifecycle of a Property

Lifecycle Property Casestudy

Discovering property change events helps insurers obtain a clearer view of their portfolio to help focus on profitability, maintain underwriting standards, focus on new business growth, and help homeowners protect their investments with adequate coverage.

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What do renovations mean for insurance to value?

360value Personal Property 1

What do renovations mean for insurance to value?

As homeowners complete projects to maintain the structure's integrity and to address changing needs, these renovations can affect coverage levels and potentially lead to underinsurance. Insurers have the opportunity to capture appropriate premiums to support growing risk.

Maximize actionable underwriting data at bind and renewal

Lightspeed And Change Detection Thumbnail

Evaluating property risk is increasingly complex and data-intensive. You can simplify workflows and accelerate underwriting and rating with a consolidated, wide-ranging, and continually updated source.

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Keeping up with home improvements—and insurance to value

Comic Lifecycle

Keeping up with home improvements—and insurance to value

Knowing when a property has been updated is critical, as these changes can add new liability risks and insurance-to-value considerations.

Tap into further policyholder insight

Additional insights

The Life Cycle Of Property

Three renovation trends that are important for insurers to monitor

By uncovering property change events during the policy life cycle, insurers can better understand their book of business.

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Lifecycle Property

How can changes in home ownership and occupancy create hidden risks?

Knowing a property's history, including changes in ownership and occupancy, is essential to paint a vivid picture of a property's condition.

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Value At Renewal For Personal Property

Capture insurance to value at renewal for personal property

With renovations increasing rapidly, the pressure to monitor property changes has increased to promote premium and ITV alignment.

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Contact Us to Learn More

Other Ways to Connect

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  • Global Toll-Free: International Access code, then 800 48977489
    When calling from the UK, please dial 00 800 4897 7489

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