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Property and Casualty Insurance

No two properties or risks are the same. This is why we take an innovative approach, in providing our customers with a Complete View of Property™. By synthesizing vast amounts of complex data into useful information, we give you an integrated view of property risk that enables you to enhance your underwriting, refine pricing, accelerate claims and protect your customers – as well as your bottom line.

Innovative Solutions

To Get The Whole Story™ on property risk, you need information you can believe in, and content like that can only come from data that is complete, current and connected.

Defining the condition and value of a structure

Keeping up with property conditions can be challenging. Structures are built and maintained differently, and occupants don’t always notify you when they make improvements. It's even more challenging when you add the variability between market value and the cost to reconstruct. Do you have the right information to accurately price and access your structural risk?

To make sure you do, we aggregate massive amounts of risk and construction cost data; and give you the ability to gauge the accuracy of that information – all in a way that’s optimized for your company's workflow. Our property imagery helps underwriters validate property characteristics and conditions without leaving their desk. We’ve also built a database with detailed information on over 28 million building permits, so that you can stay on top of new construction, remodels, room additions, roof changes and more.

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Found out more about the newest products added to RCT Express.
Learn about how we've made commercial estimating easy.
The CoreLogic Agency Network can help provide a better experience for homeowners so agents can retain a high level of customer service.
Interior and exterior residential property imagery for the insurance industry.

Structural Risk and Valuation Offerings

Residential
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We build from the ground up

Because materials and labor costs are heavily influenced by market conditions, we perform unparalleled research to localize costs at the five-digit zip code level. We score property characteristics for reliability based on age, completeness and accuracy with our proprietary algorithms. Then, we use those characteristics to provide more accurate risk values, giving you a deeper understanding of residential structural risk, building condition and contents.

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Commercial
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Know your risk from foundation to financial health

Understanding the health of a business is critical to getting a complete view of commercial property risk. Our data helps you gain a competitive advantage in understanding a company’s financial condition and how it compares with its peers. You also get deeper intelligence into building condition and contents. And you can analyze a company’s exposure to natural hazards as well as the costs of a business interruption.

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Canadian Solutions
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Canadian data for Canadian insurers

Canadian insurers need data based on Canadian properties so they can underwrite with confidence. Our data sets are not only based on Canadian property but specific to each province and postal code, and most of it is updated quarterly. Our proven method of estimating Canadian reconstruction costs dates back to the 1940s. So we’ve been researching, collecting and analyzing building material and labor costs, and applying them to our proprietary valuation formulas for over 70 years.

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Structural Risk and Valuations delivered your way

Get a Complete View of Property delivered your way. Choose from RCT Express®, our residential risk and valuation platform; Commercial Express® for commercial property; and Spatial Web Services, which delivers streaming data straight to your applications.

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Platforms

Commercial Express®
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Get in-depth insights into your company’s commercial property risk – building valuations, contents replacement costs estimates, business financial health and much more – with Commercial Express, our fully integrated commercial platform.

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RCT Express®
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Solve many of your workflow challenges with RCT Express, our residential risk assessment and valuation platform that defines the value and condition of structural risk via a single-screen user interface.

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Spatial Web Services
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Integrate natural hazard risk, tax jurisdiction, parcel and geocoding data directly into your applications with Spatial Web Services (SWS), which connects data to a variety of platforms and programming languages using a RESTful API.

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Natural Hazard Solutions

Natural hazards present a real threat to your business. North American insurered losses totaled 17 USD in 2015, the highest of all regions, with an estimated 10B USD in insured losses coming from tornado outbreaks and thunderstorms.* Since no one knows where or when the next natural hazard event will strike, preparedness and active response are critical. As history has shown, just a single event can send damage totals into the billions of dollars.

To help you get a complete view of natural hazards, our data provides the answers to three critical questions: What could happen? What if it happened? And, What did happen? Our deterministic models calculate the likelihood of a natural disaster such as a severe storm, flood or earthquake; our probabilistic models give you comprehensive and highly credible loss estimates; and our forensic models show the actual frequency, severity and location of severe weather - right down to a specific property within your portfolio.

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*Swiss Re Sigma Report, 2015

The 2015 CoreLogic® Natural Hazard Risk Summary and Analysis provides a recap of the most significant natural hazard events that took place in the U.S. this year.
The 2015 CoreLogic Wildfire Hazard Risk Report examines the residential properties potentially exposed to wildfire risk in 13 western states.
With hurricane season upon us, it’s important to understand the potential risk of surge-related property damage within your portfolio.
See our 2014 Denton, Texas hail storm case study which details hail damage by the numbers.

Natural Hazard and Catastrophe Offerings

Storm Hazards
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In 2015, there were 10 weather and climate disaster events across the U.S. with insured losses exceeding $1 billion.* As storms continue to grow in cost and frequency, being able to predict their impact is crucial. In order to accurately predict losses, understanding the true risk requires understanding the full details. This is why our models include current and historical weather events so you have insight into the condition of properties. Instead of guessing how storms will affect properties, know with data-driven insights.

*NOAA Website

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Fire Hazards
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As populations continue to expand development into high-risk vegetation areas, property and casualty portfolios become increasingly exposed to wildfire risk. In 2015, 10.1 million acres of burned in the U.S.* Understanding fire-related risk requires an assessment of factors like high-risk vegetation, surface composition and driving distance to the nearest fire station. We help you take the guesswork out of fire risk management by allowing you to establish better policy premiums without extensive on-site visits.

*2015 CoreLogic® Natural Hazard Risk Summary and Analysis

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Land-Based and Other Hazards
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According to the latest sigma study from Swiss Re, the U.S. has the most uninsured losses of any country.* The number of policies that are underinsured as a result of natural catastrophe has risen steadily, and the majority of those policies involve earthquake risk. The need for insurers to precisely assess risk and establish more adequate earthquake premiums is becoming increasingly important. By being able to pinpoint that risk, you'll know when to recommend additional coverage.

*Swiss Re Sigma Report, 2015

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Global Catastrophe Models
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Over the last decade, insurance has only covered 30 percent of the $1.8 trillion in property damage resulting from natural disaster events around the globe.* As insurers look to close the underinsurance gap, they need to precisely locate risk and quantify their potential exposure. Our International Catastrophe Models give you a unique view of global catastrophe risk with more than 181 natural hazard software models for 95 countries spanning six continents. By pinpointing your international catastrophe risk, you'll now know when to recommend additional coverage for a variety of perils.

*Insurance Journal, "Underinsurance of Property is Growing Global Challenge: Swiss Re Report," Sept. 15, 2015

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Hazard insights delivered your way

We combine a range of flexible delivery methods which are customized to best fit your workflows. Our platforms can give you risk scores, help you evaluate the probability and calculate the actual impacts of natural hazards as well as create more accurate building and contents valuations. They can also pinpoint the exact location and severity of weather events.

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Platforms

RiskMeter Online™
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Make quick and accurate property risk determinations with RiskMeter Online. This on-demand, web-based insurance platform delivers over 30 different reports to give you deeper insights into storm, fire, land-based and other risks.

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RQE®
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Evaluate potential loss-causing catastrophic events with Risk Quantification and Engineering (RQE), a comprehensive, full-simulation catastrophe risk modeling platform.

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Commercial Express®
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Get in-depth insights into your company’s commercial property risk – building valuations, contents replacement costs estimates, business financial health and much more – with Commercial Express, our fully integrated commercial platform.

Learn More

RCT Express®
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Solve many of your workflow challenges with RCT Express, our residential risk assessment and valuation platform that defines the value and condition of structural risk via a single-screen user interface.

Learn More

Reactor™
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Discover and estimate severe weather impacts to your entire book of business with Reactor, our comprehensive, web-based storm verification and analysis platform.

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Weather Verification Services Storefront
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Know exactly where the storm happened, how severe it was and which properties were affected with our weather verification services for hail, wind and lightning.

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Xiance®
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Get fast access to tax jurisdiction and natural hazard risk information with Xiance, an ordering and delivery platform that provides accurate tax and natural hazard risk reports through the web.

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Spatial Web Services
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Integrate natural hazard risk, tax jurisdiction, parcel and geocoding data directly into your internal applications and backend with Spatial Web Services (SWS), which connects our data to a variety of platforms and programming languages using a RESTful API.

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Secure FTP
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Receive natural hazard reports via secure internet file transmission – a highly beneficial delivery method for batch processing 100,000 files or more.

Contact Us to Learn More

All the data you need under one roof

One national insured loss study estimates that miscategorized roof age is costing insurers $1.14 billion annually.* Know all there is to know about a property’s roof with our aerial measurement reports, pre-fill data, change detection, weather verification and disaster intelligence. We make it easy to determine the probable age, condition and characteristics of a roof so you can accurately price the risk. Should severe weather strike, we help you pinpoint the precise location and severity of the damage so you can deploy resources faster – including high-resolution aerial imagery. And, our roof measurement reports give you a quick way to estimate the cost of a roof claim.

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*Claims Journal: A National Loss Study: The Billion Dollar Impact of Underestimated Roof Age, Oct. 3, 2014

The SkyMeasure from CoreLogic Roof report for residential properties is our most popular report.
Receive trusted, reliable solutions for weather verification and monitoring - for free.
The SkyMeasure™ Roof report for commercial properties is a step above our competition with full parapet information (if applicable).
Damaging hail is one of nature's costliest weather perils. Don't let storm season get the best of you.

Roof Condition Offerings

Roof Intelligence
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Keep on top of the roof

Our platform automatically populates a property’s probable roof age and detects improvements that may affect premiums without having to rely on someone else for roof age information. We can also help you increase efficiency and reduce rooftop risk with aerial roof measurement reports that lessen the need for an adjustor or estimator to climb up a ladder. Our reports integrate with Symbility Claims Connect to provide a quick way to estimate roof claims.

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Weather Verification
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Know exactly which roofs were hit

Since 2008, U.S. severe convective storm insured losses have exceeded $10B billion every year.* To understand the full impact that severe thunderstorms can cause, you need to be able to pinpoint the damage across your entire portfolio. Our proprietary weather verification services can tell you where and when the hail, wind and lightning impact happened, how severe it was and which properties were directly impacted. This enables you to improve catastrophe response, deploy resources in near real-time and improve your claims processing, including your ability to detect fraud.

*Swiss Re Sigma Study, 2015

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Roof insights delivered your way

Get accurate and actionable roof intelligence in the way that best fits your workflow – from dependable roof measurement reports to roof age, via our fully integrated risk assessment and valuation platform.

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Platforms

SkyMeasure™
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Get the accurate residential and commercial roof measurements that you need to complete your estimate and order materials with SkyMeasure, a property aerial measurement service created by roofing experts.

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Weather Verification Services Storefront
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Know exactly where the storm happened, how severe it was and which properties were affected with our weather verification services for hail, wind and lightning.

Learn More

RCT Express®
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Solve many of your workflow challenges with RCT Express, our residential risk assessment and valuation platform that defines the value and condition of structural risk via a single-screen user interface.

Learn More

Weather Verification Solutions

Since 2008, severe convective storm insured losses have exceeded $10B billion every year.* To understand the impact of severe thunderstorms on your business, you need to be able to pinpoint the damage to specific properties, as well as properties across your entire portfolio.

Our proprietary hail, wind and lightning verification services can tell you precisely where and when the impact happened, how severe it was and which of your properties were directly impacted. You’re able to deploy resources in near real-time and improve your claims processing – including your ability to detect fraudulent claims.

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*Swiss Re Sigma Report, 2015

Over a half million reports have been utilized by insurance claims adjusters, forensic engineers, attorneys and property owners.
Each Wind Verification Report contains the dates and speed of wind for every significant event since 2006 at the location of interest and within 1, 3, and 10 miles.
Receive trusted, reliable solutions for weather verification and monitoring - for free.
Analysis of the hail storms that impacted, Fort Worth, Plano, Wylie and San Antonio in March and April, 2016 in an interactive story map.

Weather Verification Offerings

Hail Verification
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Verification based on actual hail

Hail claims can vary widely from one year to the next. Given these broad variations – and the high cost of hail damage claims – it's imperative to safeguard against fraud by using the most effective verification and inspection processes possible. Our proprietary hail science verifies actual hail fall and enables you to identify hail severity and impact location on an address-specific basis. This allows claims managers to more confidently identify the location of incoming claims, assess for pre-existing damage and detect the presence or absence of severe weather.

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Wind Verification
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Science behind wind measurements

Wind can vary widely by elevation and over small geographic areas. To quickly and objectively handle your wind damage response you need accurate and timely data. We combine proprietary storm model inputs to create multiple objective viewpoints of storm paths and intensities. This forensic quality database helps identify wind speed and severity on an address-specific basis so you can proactively respond to your customers and deploy resources with confidence and precision.

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Lightning Verification
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The industry standard for lightning verification

The National Lightning Safety Institute reports that property damage from lightning claims costs insurers billions of dollars each year.* We enable you to save critical time and money by confidently verifying the date of damage and losses in near real time. The reports provide address-specific lightning strike analysis, along with the date and time (to the nearest millisecond), including a count of individual lightning strikes, custom maps, latitude/longitude, polarity and strike amplitude.

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*National Lightning Safety Institute: Lightning Costs and Losses from Attributed Sources, August 12, 2016

Weather insights delivered your way

Estimate and verify severe weather impacts across your entire book of business. Our platforms put a powerful combination of proprietary technologies at your fingertips to ensure you get all the data you need to make critical business decisions.

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Platforms

Reactor™
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Discover and estimate severe weather impacts to your entire book of business with Reactor, our comprehensive web-based storm verification and analysis solution.

Learn More

Weather Verification Services Storefront
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Know exactly where the storm happened, how severe it was and more importantly which properties were affected with our weather verification services for hail, wind and lightning.

Learn More