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
155M+
U.S. properties in scope
25+ yrs
Of address-level history
0-100
Scores at the property
The fields
Your inspection form, already filled in
The four-point inspection asks four questions, wind mitigation asks about the roof and the openings, and COPE asks about construction and protection. Builty answers each one at the address, dated, with the record behind it.
| Element | Form | What Builty returns |
|---|---|---|
| Roof | 4-point · wind mit | Covering, tear-off scope, and years since the last replacement, dated from the roof permit itself |
| Electrical | 4-point | Panel capacity and the date it was last upgraded, service changes, and rewiring |
| Plumbing | 4-point | Repipe history and supply material, the variable behind polybutylene and galvanized exclusions |
| HVAC | 4-point | System type, capacity, and fuel, with the date of the last change-out per unit |
| Construction | COPE | Build year from the authorizing permit, plus roof covering, siding, and structural system where the record names them |
| Protection | COPE | Sprinklers, alarms, standpipes, and suppression, with type and install date |
| Openings | wind mit | Permitted opening protection: impact glazing, shutters, and the code cycle it was installed under |
By Segment
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 the property record 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 at the address.
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
Condition changes years before loss data notices
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.
FAQ
Frequently asked questions
Can permit data replace a four-point inspection?
It targets them. The record carries roof, electrical, plumbing and HVAC history per trade at the address, so inspections go where the record is old, silent, or contradicts the application, and skip the properties the record already answers for.
How is this different from aerial imagery?
Imagery sees the surface as it looks today; the permit dates it. A photo of a roof cannot say 2019, and it cannot see a panel upgrade or a repipe at all. The two are complements: imagery for current visible condition, the permit record for when systems were actually installed.
What triggers a renewal re-rate?
New permits at the address between terms. A solar install, an ADU conversion, a panel upgrade, or a major addition each lands in the record months before renewal, which is enough time to reprice or endorse instead of discovering it at the next loss.
Are the scores auditable?
Every score traces to the dated records it was derived from at that address, so an underwriter can open the underlying evidence: the permit, its dates, its scope, and its final inspection status. A score exists only where the record supports it.
Ready to close the Exposure Gap?
Builty can deliver a pilot score run for your portfolio within weeks.
Request a Pilot