Underwrite with construction history.

Verify property conditions, check for unpermitted modifications, and assess renovation history — all from public building permit records across 24 U.S. cities.

No credit card required. 1,000 free requests/day.

The property risk signal hiding in public records

Building permits reveal what's been done to a property — and what hasn't. A property with no permits but visible renovations is a red flag. A property with recent electrical and plumbing upgrades is a better risk.

Verify claimed renovations

Sellers and policyholders claim upgrades. Permit records confirm whether the work was actually permitted and inspected.

Detect unpermitted work

Visible modifications without corresponding permits indicate potential code violations, safety issues, and liability risk.

Assess property condition

A property with recent roof, electrical, and plumbing permits is in better condition than one with no permit activity in 20 years.

How insurers use permit data

Property underwriting

Pull the full permit history for any address during the application process. Verify the age of the roof, HVAC system, and electrical panel without sending an inspector.

Claims verification

After a claim, check whether the damaged component was properly permitted and installed. Unpermitted work may affect coverage.

Portfolio risk assessment

Scan your book of business against permit records to identify properties with aging systems or recent high-value renovations that change the risk profile.

Contractor vetting

Verify that contractors involved in claims or repairs have an active permit history and track record of completed projects.

Better underwriting starts with better data

Property history for any address. 5.6M+ permits. API access in 30 seconds.

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