Move your submission up the desk
Turn a street address into verified building data, COPE, transparent peril factors, and a PDF your wholesaler can read without chasing you for basics.
Built first for retail commercial agents preparing E&S property submissions for wholesalers.
- 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 insurance teams that work property files by hand. It does not replace your CAT model. It adds the building-level context those models miss: construction data, COPE, valuation signals, imagery, fire response context, six transparent peril scores, and a PDF ready to attach before the file reaches an underwriter.
Thin submissions sink in the stack
Underwriters are buried. A bare address and TIV rarely tell them what they need. Files that get attention arrive with property detail, imagery, COPE, and risk context they can use on the first read.
PerilScore adds building data, peril factors, and a one-page PDF you can attach the same day.
Submissions that get to the top of the desk
Enter a street address and get back verified construction data, building valuation data, COPE details, fire station response times, satellite imagery, and transparent risk factors.
The goal is simple: fewer bounce-backs, faster reads, and a file that makes the agent look prepared.
Under 10 seconds
What goes into the file
Run a single address today. Use bulk upload and SOV workflows when you need a complete commercial property submission.
Verified property fields
Construction, roof, square footage, and 50+ attributes you can show next to a quote.
Peril scores with factors
0 to 100 scores with the inputs called out. You can walk an underwriter through the file in a single screen.
One page PDF
Export an attachment sized for an email to a wholesaler, underwriter, or carrier inbox.
You see what moves the number
Roof, year built, distance to water, and local loss history are weighted to the hazard at that roof. The app lists which inputs moved each score so you can talk through the file in one pass.
Six CAT perils, one file
Hurricane, hail, tornado, wildfire, earthquake, and flood each get a line item you can hand to a CAT desk.
Wind, surge, and local build context.
Hail track and roof vulnerability.
Path and intensity history for the site.
Fuel, slope, and defensible space signals.
Hazard, soil, and structure fit.
Flood zone and water proximity.
Data you can trace
Shell, year, area
Hazard frequency
Flood mapping
Roof and lot signals
If you have better field data, you can override a value and the scores refresh.
Enter an address first. Unlock the full report when the file is worth pursuing.
From address to a stronger submission in three steps
Start free with a US address, then unlock the underwriting file when the preview matters.
Enter any US address
Start with a street address. We handle geocoding and property matching automatically.
See the risk before you chase the file
See a fast preview before you spend time building a submission around the property.
Attach the full report
Get verified building data, COPE, risk summary, transparent peril factors, and a submission-ready PDF.
Submission-ready reports with transparent pricing
Start with a free address preview. Paid reports add the building data, COPE, imagery, protection context, and PDF you need before a wholesaler or underwriter reads the file.
No credit card required
Usage pricing and volume tiers
For teams and repeat workflows
No per-user fees
Cancel anytime
Priced around useful files, not seats only
Need team access, vendor review, or volume pricing? Talk to us
Build with PerilScore for free
Insurtech teams can start with self-serve APIs, the PerilScore MCP server, and an embeddable widget for address-first risk previews.
Built for underwriting decisions
We focus on a single problem: a clear property file for a wholesaler or carrier, from public and licensed sources you can name in a meeting. PerilScore is not a CAT model replacement. It is the layer that adds building detail, transparent peril factors, and a submission attachment before the file gets judged.
Need a vendor review path?
If you are an agency, MGA, wholesaler, or carrier team, we can talk through data sources, security, API volume, bulk workflows, and how PerilScore fits beside your current CAT model.
Build a cleaner file on your next submission
Enter any US address, preview risk instantly, then unlock the full report with verified building data, COPE, risk summary, and PDF.
Compare the submission stack
PerilScore packages building data, peril factors, imagery, and PDF 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
Free preview
- Property-level cat risk score
- Fire station response score
- Full transparent breakdown per peril
- Transparent methodology
- Verified building construction data
- Building valuation data
- Building construction vs. peril analysis
- Aerial imagery analysis
- Building code evaluation
- Automated COPE data retrieval
- Underwriting summary
PerilScore Premium
Full building-level risk intelligence
- Property-level cat risk score
- Fire station response score
- Full transparent breakdown per peril
- Transparent methodology
- Verified building construction data
- Building valuation data
- Building construction vs. peril analysis
- Aerial imagery analysis
- Building code evaluation
- Automated COPE data retrieval
- Underwriting summary
Legacy Providers
Typical Enterprise
Annual minimums, contracts required
- Property-level cat risk score (their core paid product)
- Fire station response score Separate paid product
- Full transparent breakdown per peril
- Transparent methodology
- Verified building construction data Separate paid product
- Building valuation data Separate paid product
- Building construction vs. peril analysis
- Aerial imagery analysis Separate paid product
- Building code evaluation Separate paid product
- Automated COPE data retrieval
- Underwriting summary
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PerilScore Free
Free preview
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PerilScore Premium
Popular
Full building-level risk intelligence
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Legacy Providers
Typical Enterprise
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| Pricing |
Free
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Paid report unlocks
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$3-5+
/call
Annual minimums
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| Property-level cat risk score | Included in Free | Included in Premium |
Core paid product
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| Fire station response score |
Separate paid product
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| Fully transparent breakdown per peril | |||
| Verified building construction data |
Separate paid product
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| Building valuation data |
Separate paid product
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| Building construction vs. peril analysis | |||
| Aerial imagery analysis |
Separate paid product
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| Building code evaluation |
Separate paid product
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| Automated COPE data retrieval | |||
| Underwriting summary | |||
| Get Started | Try free preview | Build a stronger submission |
Ask them about pricing (bring patience)
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Frequently asked questions
Have a different question? Reach out to us at [email protected]
- 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.
- Does PerilScore replace my existing CAT model?
- No. PerilScore sits beside your CAT model as a submission enrichment layer. It adds building-level detail, transparent peril factors, and a PDF attachment that helps explain the file before underwriting review.
- What data sources do you use?
- We pull from county assessor records, NOAA weather data, FEMA flood maps, satellite and aerial imagery, and proprietary peril frequency databases covering hurricanes, hail, tornadoes, wildfires, earthquakes, and floods.
- Will underwriters accept PerilScore reports?
- Our reports give underwriters verified property data, imagery, and transparent risk factors in a form that supports a faster read. The one-page PDF format is designed to attach directly to submissions.
- 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. If your team needs vendor review, API volume, or security details, contact us at [email protected].
- 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 0-100 and is calculated based on location-specific hazard data combined with building characteristics like construction type, roof age, and materials.
- How accurate are the property risk scores?
- Our peril scores are built on authoritative data sources including county assessor records, NOAA historical weather data, FEMA flood maps, and satellite imagery analysis. Every score factor is transparent and traceable to its source. In PerilScore you can open the factors that drive each risk line in the app.
- Who is PerilScore built for?
- PerilScore is built first for retail commercial agents preparing E&S property submissions. MGA, wholesaler, carrier, and inspection teams also use the same data when they need a clearer property file before underwriting review.
- How much does PerilScore cost?
- PerilScore lets you run a free address-first risk preview for any US property. Paid reports unlock verified building data, COPE, risk summaries, and PDFs. There are no annual minimums. Teams can contact us for volume pricing, API usage, or bulk submission workflows.
- Can I start free?
- Yes. PerilScore offers a free risk preview at app.perilscore.com/free-score/. Enter any US address, preview risk instantly, then unlock the full report when you need verified building data, COPE, risk summary, and PDF.