Skip to Main Content

Roof condition

For personal property

The cost and complexity of roofs pose insurance challenges.

A roof's condition can become a blind spot for insurers, with unidentified risk exposures leading to unexpected claims.


1.5 million homes currently have critical roof conditions.

30 Percent Icon

Roof claims make up around 30% of all property loss dollars.

50 Percent Wind Icon

Severe wind, thunderstorm, and hail events are up 50% since 2019.

Improve underwriting with a reliable view of roof condition

Roof Condition Underwriting

Improve underwriting with a reliable view of roof condition

Verisk’s advanced solution provides a roof condition score and underlying condition attributes:  Are pieces missing? Is the roof discolored? Is there a tarp covering possible damage? Advanced analytics derived from aerial imagery can get you “up on the roof” and in a better position to make informed decisions.

See the warning signs

Roof Discoloration


Algae staining, water pooling and staining, and vent staining leave distinctive marks. Understand them with imagery analytics.

Roof Defects


Missing material, patches, and structural damage can raise risk exposure. Detect problems early to get ahead of them.

Roof Hidden Issues

Hidden issues

Tarps or debris can flag damage or conditions needing further review or inspection. Let imagery guide more confident decisions.

Put knowledge to work

Underwriting Point Of Sale

Put knowledge to work

  • Streamline underwriting at point of sale
  • Identify and monitor exposure changes to guide renewals
  • Optimize in-person inspections
  • Continuously refine pricing with current property data and analytics

Taking cover: Mastering the challenges of roof risk

Roof Risk 4

The cost and complexity of a roof, coupled with its critical role as protection from the elements, can raise particular concerns for many property insurance underwriters. Verisk estimates U.S. roof claims exceeded $19 billion just in 2021, making up about 30 percent of all property loss dollars.

Download the case study

Detect additional roof exposures

Aerial Imagery Analytics

Detect additional roof exposures

Aerial imagery can reveal a property’s roof characteristics. With high-resolution views, capture potential hazards: Nearby or overhanging trees, damage-prone materials, and expensive attachments such as solar panels.

The New Science of Roof Risk, Powered by Imagery Analytics

New Science Of Roof Risk

The New Science of Roof Risk, Powered by Imagery Analytics

The growth of imagery analytics as a property underwriting tool accelerated through the pandemic is changing the future of risk assessment. Explore capabilities derived from our aerial imagery and roof analytics to help capture a comprehensive view of property risk.

Examine critical roof characteristics

Personal Property Roof 1

Examine critical roof characteristics

Roofs can vary significantly by material and shape, and reconstruction costs of materials can fluctuate. Holistic views of roofs can help underwrite properties with precision.

Know your true roof exposure

Know Your True Roof Exposure Thumbnail

Combining artificial intelligence and machine learning with leading data and analytics, Verisk provides key roof information for every property you insure.

View the infographic

Florida's market and regulatory forces are changing the profile of roof exposure for many insurers. Powerful data and analytics can help maintain a clear picture.

Additional Insights

Hurricane Season Teaser

Hurricanes: The current threat and the future warning signals

As climate change unfolds, hurricanes give a high-profile glimpse into the potential effects of a warming world.

Read the article
Wildfire Risk Teaser

Wildfire: Insurers and communities adapt to an ever-growing threat

Wildfires have moved rapidly to the fore as an exposure for insurers to understand and manage in states at high risk for this peril.

Read the article
Weather Teaser

Severe thunderstorms and hail: Concentrated events that pack a punch

Severe thunderstorms are a common natural phenomenon in the US, causing more than half of annual reported insured losses since 1985.

Read the article

Contact Us to Learn More

Other Ways to Connect

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

  • Chat Now

    Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

  • Main Toll-Free: 1-800-888-4476

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

You will soon be redirected to the 3E website. If the page has not redirected, please visit the 3E site here. Please visit our newsroom to learn more about this agreement: Verisk Announces Sale of 3E Business to New Mountain Capital.