For Insurance & Underwriting

Underwrite property with the permit history behind it

What was built, renovated, or never properly permitted changes risk and value. We give underwriting and claims teams full permit history per address, lifecycle-tagged, lawfully sourced, with documented lineage on every record.

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THE CHALLENGE

You are pricing risk with half the picture

Applicants say a roof or basement was updated. Was it permitted? Inspected? Was that suite ever approved? Unpermitted work rarely shows up on an application, and manual checks across municipal portals do not scale.

WHICH PERMIT FIELDS YOU USE

The permit fields you actually use

The fields underwriting and claims teams use most:

01

Permit type, sub-type, and scope flags

Identify additions, secondary suites, structural changes, plumbing additions, and electrical work that change occupancy or risk.

 

02

Lifecycle stage and milestone dates

Confirm not only that a permit existed, but that it reached completion and final inspection.

 
 

03

Declared value and value band

Verify against declared improvements and dwelling value, and detect underdeclared work.

 
 

04

Address, geocoding, and parsed components

Match permit history to the policy address precisely, including units and secondary suites.

 
 

05

Primary contractor and trades on permit:

Evidence of qualified trades on plumbing, electrical, and gas work, where municipalities disclose them.

 
 

06

Source municipality and ingestion date

Documented lineage for audit, regulatory review, and dispute resolution.

 
 

BY LIFECYCLE STAGE

How to act, stage by stage

Permits drive value across the whole policy lifecycle, not just one moment.

Insurance moment What the permit tells you Action
1. New policy underwritingWhether declared renovations match permitted and inspected work, and whether any major work is unpermitted.Price accurately; flag unpermitted work for review; require evidence of inspection where appropriate.
2. Renewal reviewNew permits issued during the policy term, especially additions, suites, and structural or plumbing work.Trigger endorsements for dwelling value, occupancy, or coverage limits.
3. Mid-term endorsement triggerA finishing permit on an active policy signals a change in dwelling value, occupancy, or use.Outreach to the policyholder about updating coverage.
4. Risk scoring at portfolio levelPermit history per address: count, value, scope flags, time since last inspection, unpermitted-work flags.Identify loss-prone profiles for retention strategy or repricing.
5. Claims investigationContemporaneous evidence of what was built, by whom, and whether it was inspected, at the time of loss.Support or contradict the policyholder's account; document audit trail.
6. Compliance and auditSource municipality and ingestion date on every record, plus permitted-use terms.Defend underwriting and claims decisions in regulatory or legal review.

What teams achieve

  • More accurate pricing grounded in verified property history
  • Earlier detection of unpermitted and high-risk work
  • A defensible, audit-ready data trail behind every decision
  • Portfolio-level visibility into changing dwelling characteristics
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