Insurance · Claims
What Was on the Risk Before the Loss?
The most reliable record of a property's pre-loss condition — verified permit timelines showing what was built, what was permitted, and what wasn't, before the first call.
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Use Cases
Permit intelligence in the claims workflow
Pre-Loss Condition Baseline
What condition a property was in before a loss — roof material, install date, HVAC type, panel age. A baseline self-reported data can't provide.
Permit-Gap Signals
Visible additions or conversions with no matching permit are a legitimate flag for coverage and fraud review. Builty surfaces the full timeline.
Rebuild Cost Validation
Check claimed rebuild costs against permit-derived rebuild-cost scores, built from cumulative improvements and comparable properties.
Material & System Verification
New metal roof or old shingles? Permit records carry material type, specs, and install dates adjusters can verify scope against.
Post-Event Scope Assessment
After a cat event, see what mitigation was in place — impact-resistant roofing, flood vents, hurricane clips — before impact.
Fire Protection Verification
Confirm the presence, install date, and permitted status of sprinklers and alarms where fire protection is disputed.
Insights Lab · Claims
Permit records in the claims room
Claims
"Reroof w/ Tear Off" Is Not a Data Point
Why permit parsing changes how adjusters establish pre-loss roof condition and resolve scope disputes.
Claims · Fraud
The Silent Risk: 15 Years, No Permits, Then a Major Loss
What a long gap in permit activity tells adjusters about deferred maintenance, aging systems, and claim legitimacy.
Claims · Catastrophe
After the Storm: How Permit History Establishes Pre-Loss Property Condition
Permitted mitigation measures become the baseline for what a property was designed to withstand.
See what permit history reveals about your claims
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