Underwrite Smarter with Property Risk Intelligence
Our data identifies properties with elevated defect risk before they become claims. Real-time monitoring of 183,000+ code violations, permit compliance tracking, and property-level risk scoring — delivered via API or dashboard.
Construction Defect Claims Are a Blind Spot in Standard Underwriting
Construction defect claims cost insurance carriers billions annually. Most underwriting models account for location, age, and hazard exposure — but none of them account for the property's actual code compliance history.
By the time a claim is filed on a property with a chronic violation history, the loss is already incurred. The data to predict it was available in public records the entire time.
What Makes Our Data Different
We aggregate public records that no commercial data provider currently packages for insurance and lending underwriting workflows.
Real-Time Monitoring
183,000+ code violations monitored daily across Miami-Dade, Broward, and Palm Beach counties. New records appear within 24 hours of public filing.
Permit Compliance Tracking
Complete building permit histories — issued, expired, failed, and finaled — revealing unpermitted work and construction that was never verified by an inspector.
Construction Defect Litigation
Court filing monitoring identifies properties already in active construction defect litigation — a critical pre-bind data point for carriers.
Property Risk Scoring (1–100)
A composite risk score based on violation severity, count, recency, permit compliance, and defect pattern analysis — ready for integration into underwriting models.
Historical Pattern Analysis
Identify properties with recurring violation patterns — chronic non-compliance that predicts higher future claim probability.
API Integration Ready
REST API for automated underwriting workflows — retrieve property risk scores and violation data programmatically at the point of bind or renewal.
How Our Data Fits Your Workflow
Pre-Bind Risk Assessment
Query property violation and permit history before binding a policy. High-risk properties can be flagged for inspection requirements or premium adjustment.
Portfolio Risk Monitoring
Monitor your entire book of business for new violations and enforcement actions on currently insured properties — before they escalate to claims.
Subrogation Opportunity Identification
After a claim, our violation and permit data can help identify responsible parties — contractors, associations, or building departments — with documented negligence records.
Renewal Risk Evaluation
At renewal, identify which properties in your book have developed new compliance issues over the policy term — supporting rate adjustments or non-renewal decisions.
Claims Investigation Support
When a claim is filed, our historical violation and permit data provides context for adjudication — was this property chronically non-compliant before the claimed event?
Lender Due Diligence
Pre-origination property risk screening for mortgage lenders and servicers — identify collateral with active violations that could affect property value or insurability.
Flexible Data Delivery
We accommodate your existing workflow — from simple API calls to bulk data licensing and dashboard access.
REST API
Real-time property lookups via REST API. Returns risk score and violation summary in <200ms for automated underwriting workflows.
Bulk Data Licensing
Full dataset exports for portfolio analysis, model training, and actuarial review. Delivered as structured CSV or JSON files on your schedule.
Dashboard Access
Browser-based dashboard for underwriters and analysts. Search properties, view risk scores, and export reports without any technical integration.
Custom Reports
Scheduled custom reports for specific geographies, violation types, or risk thresholds — delivered directly to your team's inbox or data system.
See Our Data in Action
Request a data sample for your target geography, or schedule a demo to see how our data integrates with your underwriting workflow.
A member of our data team will reach out within 24 business hours to arrange your demo or deliver your data sample.