Turn an address or SOV into an underwriter ready E&S property submission
Enter an address or upload an SOV. PerilScore adds construction data, COPE, valuation signals, imagery, transparent peril factors, and an underwriter ready report.
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, valuation signals, imagery, fire response context, six transparent peril scores, and an underwriter ready report before the file reaches a wholesaler or underwriter.
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, 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 are easier to read
Give markets the property context they usually have to chase: verified construction data, valuation data, COPE details, fire station response times, 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.
Under 10 seconds
What goes into the file
Run one address for a quick read, or use an SOV when a commercial property file needs the same enrichment across every location.
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.
Underwriter ready report
Export an attachment sized for an email to a wholesaler or underwriter 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 underwriter ready report when the file is worth pursuing.
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.
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.
Review construction data and peril context
Review construction data, COPE, imagery, valuation signals, and peril factors before you spend more time on the file.
Unlock the underwriter ready report
Get construction data, COPE, risk summary, imagery, transparent peril factors, and a report built for wholesaler and underwriting review.
Underwriter ready reports with transparent pricing
Start with a free address preview. Paid reports add construction data, COPE, imagery, protection context, peril factors, and report output 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
Large SOV, vendor review, or volume pricing? Contact us
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.
Built for underwriting decisions
We focus on a single problem: a clear E&S property file for underwriting review, from public and licensed sources you can name in a meeting. PerilScore adds construction data, transparent peril factors, and report attachments before the file gets judged.
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.
Build an underwriter ready report for the next property file
Start with an address preview, then unlock construction data, COPE, imagery, peril factors, and the report when the file is worth pursuing.
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
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 | Check an address free |
Ask them about pricing (bring patience)
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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, 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 construction data, imagery, and transparent risk factors in a form that supports a faster read. The underwriter ready report 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. 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 0-100 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 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?
- PerilScore lets you run a free address-first risk preview for any US property. Paid reports unlock construction data, COPE, risk summaries, imagery, peril factors, and underwriter ready reports. There are no annual minimums. Teams can contact us for volume pricing, API usage, or SOV 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 underwriter ready report when you need construction data, COPE, imagery, and peril factors.