Property and casualty insurance

Cotality’s property insurance solutions help P&C insurers, underwriters, and claims teams make faster, more accurate decisions by surfacing the physical condition, climate exposure, and structural risk data they need — at any address, at scale.

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Who this is for

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Key use cases

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1. Hazard policy underwriting

Business problem: Underwriting a property hazard policy requires assessing both the structure’s physical vulnerability and its exposure to weather and climate perils — data that typically requires manual inspection, third-party reports, or slow data pulls. With Cotality: Retrieve roof age, construction type, foundation type, and multi-peril climate risk scores for any property in the U.S. in a single MCP tool call. Use the results to calculate replacement cost estimates and set deductibles without ordering a physical inspection for every policy. What you get:

• Age of roof estimates with confidence ranking
• universalRoofCoverCode and universalRoofCode for material and style
• universalExternalWallCode and buildingClassificationCode for construction type
• Climate risk scores for wildfire, flood, hurricane, and other perils

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2. Multi-peril climate risk modeling

Business problem: Climate risk is a growing priority for insurers, but modeling long-term exposure at the property level is data-intensive and requires combining physical asset data with peril-specific hazard models. With Cotality: The Climate risk analytics tools return property-level hazard scores across multiple perils — including wildfire, flood, and hurricane — normalized to return periods (e.g., 50-year, 100-year, 200-year). Combine these with property characteristics to build a complete risk profile for any address. What you get:

• Property-level climate risk scores by peril and return period
• National coverage across all U.S. residential and commercial parcels
• Batch processing for portfolio-level exposure analysis

View Climate risk analytics →

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3. Roof condition assessment

Business problem: Roof age and condition are among the most significant factors in property insurance pricing and claims outcomes, but obtaining current roof data traditionally requires an inspection order or satellite imagery analysis. With Cotality: The age of roof tool returns a statistically derived estimate of roof age with a confidence rank — no inspection required. Use this to triage properties that warrant closer review, flag aging roofs for premium adjustment, or validate policyholder-reported condition at renewal. What you get:

• Estimated roof age and construction year
• Confidence rank for the estimate
• CLIP-based batch retrieval for portfolio monitoring

View age of roof tool →

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4. Claims verification and desk review

Business problem: After a loss event, adjusters need accurate pre-loss property data to validate claims — but access to real-time structural records during high-volume catastrophe response is often slow and inconsistent. With Cotality: Use property characteristics to retrieve pre-loss structural data for any property during claims intake. Verify reported square footage, construction materials, number of buildings, and accessory structures against county records and Cotality’s modeled data. What you get:

• livingSquareFootage, grossSquareFootage, and footprint geometry
• universalFoundationCode and universalBasementCode for flood and sewer loss assessment
• Ownership and parcel details for fraud validation
• Batch retrieval for CAT event response across thousands of claims simultaneously

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5. Portfolio risk management

Business problem: Insurers need to monitor aggregate climate and physical risk exposure across their books of business — identifying concentrations, flagging emerging hazards, and ensuring capital adequacy. With Cotality: Combine climate risk analytics with property characteristics across a portfolio of CLIPs to build a structured risk register. Layer on market trend analytics to monitor property value changes that affect insured-to-value calculations. What you get:

• Portfolio-scale batch processing for climate and structural risk data
• Property value trends by geography for insured-to-value monitoring
• Exportable structured JSON for downstream risk models and actuarial platforms

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Integration paths

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Relevant capabilities

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Industry standards alignment

Cotality property and risk data conforms to dominant insurance industry standards:

• ACORD P&C standards — universalConstructionTypeCode maps to ACORD ConstructionCode; roof and wall codes map to ACORD structural rating standards for risk underwriting
• OGC well-known text (WKT) — Building footprint geometry is returned in WKT format, compatible with ArcGIS, QGIS, PostGIS, and Leaflet

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