Insurance · Underwriting
Stop Pricing Yesterday's Risk
See a property's real condition before you bind — additions, roof age, system upgrades, and structural changes, straight from the public record.
UnderwritingClaims →
By Segment
Permit intelligence across every insurance segment
From automated personal lines triage to portfolio-level commercial review — the signals differ, the value compounds.
| Personal Lines | Small & Middle Commercial | Large Commercial & Specialty | |
|---|---|---|---|
| Underwriting | Automated triageBuilding age, roof lifecycle, and maintenance history at scale. Modification scores flag properties for human review. | Human-in-the-loopModernization, structural changes, and permit completion — assessed to sharpen underwriter pricing. | Portfolio-level evaluationMulti-location accounts scored on modification, cat resilience, and rebuild cost — loss mitigation at scale. |
| Risk Engineering | Exception reviewValidates property condition where automated rules flag a risk. | Pre-inspection prepTargets inspections and surfaces under-protected properties before a risk engineer visits. | Inspection triageCat resilience and rebuild-cost scores prioritize high-risk sites for engineering resources. |
Use Cases
What permit data solves in underwriting
Risk Assessment & Pricing
Price on verified permit facts, not disclosures — ADUs, roof age, electrical upgrades, and structural changes, each tied to a dated record.
Renewal Pricing
Catch changes between terms — a permitted addition, solar install, or garage-to-ADU conversion — before renewal.
Catastrophe Modeling
Add permit-based resilience scores across flood, wildfire, wind, hail, and freeze — what was actually installed, not just location.
Underwriting Red Flags
Surface uncaptured liabilities — unpermitted conversions, solar without battery sign-off, work an application never mentioned.
Portfolio Risk Management
Neighborhood and portfolio scores expose concentrations of aging infrastructure and low catastrophe resilience across your book.
Policy Endorsements
Spot new solar, EV chargers, or major upgrades — permit-triggered chances to expand coverage before customers shop.
The Exposure Gap
Risk builds in permit records years before it builds in loss data
Traditional underwriting leans on loss history — a lagging signal. By the time systemic risk shows up in claims, it has been building for years.
Our Virginia research found HVAC replacement rates in data-center-dense zip codes ran 18% higher than comparable areas — a permit-visible signal standard models missed for years.
Read the Virginia case study →Year 0 — Permit Filed
Industrial construction permit filed nearby. Builty detects it and updates surrounding scores immediately.
Year 1–2 — Infrastructure Stress
Grid and infrastructure strain begins. HVAC and electrical permits in nearby zips tick up.
Year 3–4 — The Exposure Gap
Carriers price renewals on stale loss data. The risk is real, accumulating, and invisible to traditional models.
Year 4+ — Permits Predicted It
Permit-aware underwriters already repriced. Standard carriers react to losses they could have seen coming.
Ready to close the Exposure Gap?
Builty can deliver a pilot score run for your portfolio within weeks.
Request a Pilot