Free
Address checks and full free reports
- See the initial address review in seconds
- Email unlocks the full free report
- No card required; limits are shown in-app
For teams writing E&S property risks
Turn an address or SOV into a submission-ready E&S property file
Check construction and COPE data, Protection context, and transparent 0-10 peril factors. Enter your email to unlock the full free report—no card. Paid plans add report volume, SOV workflows, and API capacity.
Give markets a cleaner E&S property file before the first underwriting read.
- 30-60
- Minutes of manual lookup avoided per file
- <10s
- From address to risk preview
- 50+
- Building attributes in a cleaner submission file
What is PerilScore
PerilScore is a submission enrichment layer for teams writing E&S property risks. It adds construction data, COPE information, valuation and market value signals, imagery, building diagrams with nearby exposures, permit history across 1,400+ counties, area crime rates with year-over-year direction, fire response context, six transparent peril scores, and an underwriter ready report before the file reaches a wholesaler or underwriter.
The Submission Problem
Thin submissions sink in the stack
Underwriters are buried. A bare address and TIV rarely tell them what they need. Files that are easier to read arrive with property detail, imagery, COPE information, and risk context they can use on the first pass.
PerilScore adds construction data, peril factors, and an underwriter ready report you can attach the same day.
Submissions that sit in the queue while others get quoted
Hours lost in county records, Google Earth measuring distances to neighboring buildings, valuation, permit lookups, and protection data
No simple way to show why your risk is better than the address suggests
The PerilScore Advantage
Submissions that are easier to read
Give markets the property context they usually have to chase: verified construction data, valuation and market value, COPE details, Protection and fire response context, satellite imagery, and transparent risk factors.
The goal is fewer bounce-backs, cleaner underwriting review, and a file that makes the submission team look prepared.
Building diagrams with nearby exposures already drawn, construction, and valuation data
Peril factors that show why this property is worth quoting
Seconds from address to an initial risk review
Street address
Wholesaler ready
Initial address review in under 10 seconds
What goes into the file
Property facts, risk context, and report output—organized for the first underwriting read.
Property and COPE
Construction, roof, square footage, valuation and market value signals, estimated replacement cost, Protection and fire response context, permit history, imagery, and a building diagram with nearby exposures.
Transparent risk context
Six 0–10 natural-peril scores show the factors that move each result. Crime appears separately as area context and year-over-year trend—not as a natural-peril score.
Underwriter-ready output
A concise report brings the property fields, available source context, imagery, peril factors, and underwriting summary into one attachment. Run an address or apply the same enrichment across an SOV.
Source context
Available inputs include assessor records, county permits across 1,400+ counties, NOAA and NWS hazard history, FEMA flood mapping, crime trend data, and property imagery. Coverage and source availability vary by address.
How It Works
From address or SOV to a stronger submission in three steps
Start free with a US address, then unlock the underwriting file when the preview matters. Use SOV workflows for team files and commercial property SOVs.
1
Enter an address or upload an SOV
Start with a street address for self-serve preview, or talk through an SOV when a team file has multiple locations.
2
Review construction data and peril context
Review construction data, COPE information, imagery, valuation signals, and peril factors before you spend more time on the file.
3
Unlock the full free report
Enter your email to get construction data, COPE information, imagery, transparent peril factors, and a report built for wholesaler and underwriting review.
Start free. Add capacity when the book needs it.
The first path is for an address in front of you. The second is for repeat, portfolio, and integrated workflows.
Paid plans for teams
Metered capacity for repeat workflows
- More report capacity and volume options
- SOV workflows for books and portfolios
- API, MCP, and embedded workflow access
Large SOV or vendor review? Contact us about your workflow.
Why PerilScore?
Compare the submission stack
PerilScore packages construction data, peril factors, imagery, and report output into one submission workflow. Legacy stacks often split those pieces across separate products, contracts, and minimums.
PerilScore is an alternative to traditional enterprise property data vendors and legacy peril scoring providers when your team needs a cleaner file before underwriting review.
PerilScore Free
Email unlocks a full free report
Free
- Property-level cat risk score
- Protection / fire response context
- Full transparent breakdown per peril
- Transparent methodology
- Verified building construction data
- Building valuation data
- Building market value
- Estimated replacement cost (RCV)
- Building construction vs. peril analysis
- Aerial imagery analysis
- Building diagram with nearby exposures
- Permit history (1,400+ counties)
- Area crime rates with YoY trend
- Building code evaluation
- Automated COPE data retrieval
- Underwriting summary
Most Popular
PerilScore Premium
More reports and workflow capacity
Paid
capacity plans
- Property-level cat risk score
- Protection / fire response context
- Full transparent breakdown per peril
- Transparent methodology
- Verified building construction data
- Building valuation data
- Building market value
- Estimated replacement cost (RCV)
- Building construction vs. peril analysis
- Aerial imagery analysis
- Building diagram with nearby exposures
- Permit history (1,400+ counties)
- Area crime rates with YoY trend
- Building code evaluation
- Automated COPE data retrieval
- Underwriting summary
Legacy Providers
Typical Enterprise
Often separate products
Contracts and minimums vary
- Property-level cat risk score (their core paid product)
- Protection / fire response context Often a separate product
- Full transparent breakdown per peril
- Transparent methodology
- Verified building construction data Often a separate product
- Building valuation data Often a separate product
- Building market value Often a separate product
- Estimated replacement cost (RCV) Often a separate product
- Building construction vs. peril analysis
- Aerial imagery analysis Often a separate product
- Building diagram with nearby exposures
- Permit history (1,400+ counties)
- Area crime rates with YoY trend
- Building code evaluation Often a separate product
- Automated COPE data retrieval
- Underwriting summary
Ask them about pricing (bring patience)
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PerilScore Free
Email unlocks a full free report
|
PerilScore Premium
Popular
More reports and workflow capacity
|
Legacy Providers
Typical Enterprise
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|---|---|---|---|
| Pricing |
Free
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Paid capacity
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Often separate products
Contracts and minimums vary
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| Property-level cat risk score | Included in Free | Included in Premium |
Core paid product
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| Protection / fire response context |
Often a separate product
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| Fully transparent breakdown per peril | |||
| Verified building construction data |
Often a separate product
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| Building valuation data |
Often a separate product
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| Building market value |
Often a separate product
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| Estimated replacement cost (RCV) |
Often a separate product
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| Building construction vs. peril analysis | |||
| Aerial imagery analysis |
Often a separate product
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| Building diagram with nearby exposures | |||
| Permit history (1,400+ counties) | |||
| Area crime rates with YoY trend | |||
| Building code evaluation |
Often a separate product
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| Automated COPE data retrieval | |||
| Underwriting summary | |||
| Get Started | Check an address free | Check an address free |
Ask them about pricing (bring patience)
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For builders
Developers
Embed E&S property submission intelligence
Use self-serve APIs, the PerilScore MCP server, and an embeddable widget to bring the same address-first property intelligence into your own workflow.
For teams
Contact us
Large SOV or vendor review?
For larger team workflows, we can talk through data sources, security, API volume, SOV workflows, and how PerilScore fits beside your current underwriting workflow.
Frequently asked questions
Start with a free address preview. Larger teams can use the contact link for vendor review, security, or volume workflows.
- What properties can I score?
- PerilScore works for any US property address - residential or commercial. We support single-family homes, multi-family, commercial buildings, and mixed-use properties. Coverage spans all 50 states plus DC and territories.
- How fresh is the property data?
- Building data is refreshed regularly from county assessor records. Satellite imagery is typically within the last 12-18 months. Peril frequency data is updated annually. If you have more recent information, you can override any attribute.
- Where does PerilScore fit with my existing CAT model?
- PerilScore sits beside your CAT model as a submission enrichment layer. It adds construction data, transparent peril factors, imagery, and an underwriter ready report that helps explain the file before underwriting review.
- What data sources do you use?
- We pull from county assessor records, county permit data across 1,400+ counties, building valuation and market value sources, NOAA weather data, FEMA flood maps, area crime data with year-over-year trend, satellite and aerial imagery, and proprietary peril frequency databases covering hurricanes, hail, tornadoes, wildfires, earthquakes, and floods.
- How can PerilScore support underwriting review?
- Reports organize construction data, imagery, source context, and transparent risk factors in an attachment designed for submission and underwriting review. Each market makes its own underwriting decisions.
- What if the property data is wrong?
- You can override any property attribute with your own data. PerilScore will recalculate scores instantly based on your inputs, giving you full control over the final report.
- Is my data secure?
- Yes. We encrypt data in transit and at rest. We never sell your data or share it with third parties. Larger teams can contact us for vendor review, API volume, or security details.
- Can I cancel anytime?
- Yes. You can turn auto-renew off at any time from your account settings. If auto-renew is off, you simply use any remaining credits and refill when you are ready.
- What peril scores does PerilScore provide?
- PerilScore provides six peril-specific risk scores: hurricane risk, wildfire risk, hail risk, flood risk, tornado risk, and earthquake risk. Each score ranges from 0-10 and combines location-specific hazard data with building characteristics such as construction type, roof age, and materials. Crime is presented separately as area context and year-over-year trend.
- How accurate are the property risk scores?
- Our peril scores draw on sources including county assessor records, NOAA historical weather data, FEMA flood maps, and satellite imagery analysis. In PerilScore, you can open the factors and available source context behind each risk line.
- Who is PerilScore built for?
- PerilScore is built for teams writing E&S property risks by hand. It helps turn addresses, SOVs, and messy property data into clearer files before underwriting review.
- How much does PerilScore cost?
- Check any US property address free. The initial review appears in seconds; entering your email unlocks the full free report with construction data, COPE information, imagery, peril factors, and an underwriting summary. Free-plan limits are set in the app. Paid plans add more report capacity, SOV workflows, and API access.
- What property and area context do you include beyond peril scores?
- Each report includes a building diagram showing the subject building and nearby exposures with measured distances, a permit history pulled from 1,400+ county sources to surface recent roof, electrical, and structural work, and area crime rates with a year-over-year direction so you can see whether the neighborhood is improving or deteriorating. The goal is one screen that answers what is around this building, what was recently done to it, and which way the area is trending.
- Can I start free?
- Yes. Check any US address for an initial review, then enter your email to unlock the full free report. No card is required. Upgrade when you need more reports, SOV workflows, or API capacity.