What insurers already know about your house
Carriers pay for a BuildFax report before they price your policy. See the same signals, free: roof age, solar date, panel upgrades, addition history. No sign-up.
Pull your home insurance intelligence report
Enter your address. We pull every permit on file and score the signals insurers actually use.
The seven signals we extract
The same signals BuildFax and CAPE Analytics sell to P&C insurers.
- Roof age. Date of the most recent roofing permit. Top-3 underwriting factor at most carriers.
- Solar install date & size. Carriers treat solar differently, some discount, some surcharge.
- Electrical panel upgrade. New 200A panels reduce fire-risk scoring; old fuse boxes increase it.
- HVAC / water heater replacements. Recent mechanical upgrades are a quality signal.
- Additions and footprint changes. Square-footage growth that wasn't disclosed at binding time is the single most common underwriting dispute.
- Pool and major hazard installs. Carriers may require attractive-nuisance riders.
- Open or expired permits. Most carriers exclude coverage for unpermitted or unfinaled work.
Who uses this
Frequently asked questions
What do insurance underwriters actually see about my house?
Most US home-insurance carriers pull a property-intelligence report from BuildFax (now Moody's/ICE) or CAPE Analytics before issuing a policy. Those reports show permits filed at the address: roof age (from the last roofing permit), solar install date and size, electrical panel upgrades, major HVAC replacements, additions, pools, and any unfinaled work. Carriers use this to price your premium or decline coverage.
Why does roof age matter for insurance?
Roof age is one of the top three underwriting factors in most carrier models. Roofs older than 15-20 years often trigger actual-cash-value (ACV) coverage instead of replacement cost, exclusions for wind/hail, or declined policies. The most recent roofing permit at your address is the best proxy for roof age when no inspection is on file.
Does a solar install lower or raise my premium?
Both depending on the carrier. Some discount for solar (roof reinforcement, renewable incentive). Others add premium for the installation liability and the higher roof-repair cost when panels must be removed to reroof. Either way, the carrier will find the permit record. Disclosing proactively is almost always better.
Can I use this report when shopping for a new policy?
Yes. Knowing what the carrier will see lets you pre-empt surprises. If you've had major system upgrades the underwriter hasn't seen (e.g., new electrical panel, replaced plumbing), mentioning them at quote time can lower your premium. If you have an unfinaled permit, closing it before shopping is worth the effort.
Is this a substitute for BuildFax?
Functionally, for the signals most underwriters care about, yes. Our data comes from the same official city open-data feeds BuildFax licenses, though our coverage is narrower (31 cities vs their 2,000+ jurisdictions). BuildFax also adds condition assessments from satellite imagery that we don't have. For homeowners wanting free visibility into the paper trail, this report is the closest free alternative.