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.
UnderwritingClaims
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
Was That Roof Ever Replaced? How Permit Records Decide Prior-Damage Disputes
Loss histories, aerial imagery, and weather data can't answer the one question that decides a prior-damage claim. A permit record can.
Claims
Property Claims Blind Spot: Building Permits
Permit history is one of the most overlooked signals in property claims: for triage, reserving, settlement, and spotting fraud.
See what permit history reveals about your claims
Request a sample for a set of active or closed claims.
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