Underwriting and Rating

Property History Solutions

An ecosystem of data and powerful analytics can help assess age, upkeep, and even hidden damage affecting the roof, major systems, and property features.

Permits for home construction increased 20 percent overall in the past five years

The surge in property changes includes a 123% increase in solar panel installations, the soaring popularity of pools, and numerous interior renovations that can alter a property’s risk profile.

Evolve your approach to the ever-shifting property risk landscape

Properties are undergoing remodels, updates, and maintenance at an accelerating pace. Tap into data to help you address the changes.

Better understand underwriting risk

Improve risk assessment strategies to segment your portfolio more confidently.

Track the evolution of risk

Fine-tune rating algorithms and renewal workflows for an evolving landscape.

Prefill data confidently

Provide a better customer experience and fast-track the quote-to-bind process with broad, reliable prefill data.

Target ideal risk profiles

Support growth strategies and expand into emerging markets.

Optimize inspection resources

Optimize new business or renewal inspections by prioritizing at-risk structures.

We’re using Verisk tools to prefill applications as far as possible with the best data in the business, so we can give customers a better purchase experience that earns their trust and loyalty.

Read the press release

David Howard

VYRD

Chief Executive Officer

These solutions help us build upon a solid and substantial foundation, enhancing our ability to bring tailored coverage options to homeowners across the United States.

Read the press release

Ty Harris

Openly

Chief Executive Officer and Co-founder

Historical property data

Harness the power of property data and analytics for a better understanding of risk and the evolution of that risk over time.

Historical property data

Built on a strong foundation

$84B+ data points on residential and commercial structures

25-year average depth of historical data

98% coverage in areas with populations of 50K or more

Built on a strong foundation

Open multiple windows on property condition

Major system updates

Know the health and age of a structure’s major systems—building, mechanical, electrical, and plumbing—to support reliable risk assessment and a better customer experience.

Condition score

Strengthen pricing, new business underwriting, and portfolio management by keeping pace with increasing property remodels, updates, and maintenance activity.

Additional insights

Deepen your understanding of a structure’s true risk with additional property characteristics such as the presence of pools, sprinkler systems, fire alarms, and more.

Roof age

Combine permit insights, assessor records, and an array of other data elements to assess the age of a structure’s roof using our deep industry experience and advanced data science.

Effective year built

Capture more accurate year-built estimates by considering substantial property improvements and cost drivers using exclusive Verisk insights.

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

Download our white paper

Related resources

Stay in the know about important industry trends and innovative solutions.

Webinar

ITV for Today’s Property Market: Tracking the Trends and the Details

In this session, we’ll examine how detailed reconstruction cost and permit data together can capture market forces and property changes for more current ITV calculations.

View the webinar on demand

Article

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

Case study

Taking cover: Mastering the challenges of roof risk

Analyzing roof risk calls for a broad perspective—not only having current, reliable data, but knowing how to apply it in the market.

Download the case study

White paper

The Life Cycle of a Property

A greater understanding of risk – or the lifecycle of a property – in an insurer’s book is crucial to help guide profitable growth.

Download the white paper

Article

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.

Read the article

Do more with the Verisk ecosystem

Get a full range of property data and insight to power your underwriting.

Replacement cost estimates for personal property

Keep homeowners better protected with replacement cost estimates built on real-world claims and multisource data.

Learn about 360Value for Personal Property

Replacement cost estimates for commercial property

Keep property owners better protected with reliable, component-based, claims-driven replacement cost estimates.

Learn about 360Value for Commercial Property

Property change events

Tap the profit potential in renewals with timely data that overlays property and homeowner changes.

Learn about Change Detection

Ownership and occupancy

Leverage ownership and occupancy data to help uncover hidden risk.

Learn about Homeowner Data

High-resolution aerial imagery

Uncover risks and bring application data to life with high-resolution aerial imagery.

Learn about Aerial Imagery Analytics

Inspection and data verification tools

Use virtual inspection capability to efficiently gather and confirm critical information.

Learn about OneXperience for Personal Property

Contact us to learn more

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

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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

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