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Roof Solutions for Homeowners

A comprehensive view of roof risk

A reliable source to help verify the age, condition, and characteristics of a roof

A roof is costly and subject to relentless wear and tear—so it’s a critical property underwriting attribute. Fortunately, there’s a better way to examine risk. Verisk provides insurers with detailed information on residential roofs.

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Roof claims make up around 30% of all property loss dollars1

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1.5 million homes currently have critical roof conditions2

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Approximately 90% of most carrier’s book of business are renewals but only roughly 10% are inspected3

Taking cover: Mastering the challenges of roof risk

Roof Risk

The cost and structural 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.

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Harness robust data to help uncover key roof information

Staying on top of roof risk is important for more informed underwriting and rating. While traditional underwriting methods may be manual and inefficient, Verisk is here to provide a single, more reliable source of roof information, offering robust data for every residential exposure.

Roof Underwriting Report For Homeowners Data Points

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.

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Key information analyzed includes:

Damaged Roof

Roof age

Validating roof age is a long-standing challenge for many homeowners insurers, with inaccuracies costing them $1.31 billion in premium annually. Verisk combines permit insights, assessor records, and an array of other data elements to help more accurately assess the age of a structure’s roof.

Learn about Roof Age
Roof Condition For Personal Property

Roof condition

A roof's condition can become a blind spot for insurers, with unidentified risk exposures leading to unexpected claims. Advanced analytics can get you “up on the roof” and in a better position to make informed decisions.

Learn about Roof Condition
Roof Replacement

Roof replacement cost estimates

The costs of repairing a roof can change significantly over time, based on local material and labor costs. Updated roof replacement cost estimates can help identify the costliest roofs to replace.

Learn about 360Value
Hail

Hail risk and damage

Roofs are often costly and subject to relentless wear and tear from severe weather, including hail.  Knowing a property’s risk of hail damage can help uncover roof problems that were previously undetected.

Learn about Hail Risk Assessment Solutions
Signing A Contract

Coverage and advisory loss costs

The quality and age of roof can have a significant effect on underwriting and rating homeowners policies. Coverage options and rating factors that address these data points may reduce your loss exposure.

Learn about insurance policy programs
Roof Damage

Neighborhood claims insights

Improve underwriting and rating decisions by wrapping enhanced data elements around claim events that may have affected a residence but were never claimed by the property owners.

Learn about A-PLUS Property

Understanding evolving hail risk

Understanding Hail Risk

This report reviews and summarizes U.S. hail activity in 2021, including breakdowns of severe events and the most active states and counties. You’ll also learn about the impacts of hail activity in new regions, the possible near-term effects of climate change, and how increased hail activity may affect roof replacement.

Download the report

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.

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

Roof Florida

Taking a data-driven view of evolving Florida roof risk

Florida’s statutory environment surrounding coverage for roofs may demand more robust data to clarify risk amid increasing complexity.

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Analytics

Tree analytics: Finding the path through a forest of property risk

Billions of trees on residential properties are a challenge to homeowners insurers, but aerial imagery and analytics can help underwriters.

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Roof Condition Personal Property

Mastering the many aspects of roof condition with multisource data

Homeowners insurers may struggle to capture roof condition, but imagery analytics can help assess risk and opportunities for mitigation.

Read the article
Hailstorm Socal

Hail in Southern California: Making sense of hail’s changing geography

Hail is spreading out into new regions of the country that aren’t traditionally exposed to hail risk.

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Roof Risk

Capturing the flavors of roof risk with reliable data

Multiple homeowners insurers sought solutions to challenges around roof risk, and Verisk has created case studies to follow their journeys.

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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.

Read the article

Contact Us to Learn More

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  1. Verisk Analysis
  2. Ibid.
  3. Ibid.

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