GSD
≤0.3 m (VHR)
Cadence
Annual
Platform
VHR satellite / aerial
Spectral
RGB

Grade the roof before the renewal, not after the claim.

Roof Scoring reads staining, granule loss, patching and tarps off very-high-resolution imagery, once a year, and hands you a per-address record to sort against your guidelines. The roofs you'd have skipped are in it too.

Start a projectSee the comparison
Line drawing of a roof slope marked with staining, granule loss, a patch and a tarp 1234
  1. Staining
  2. Granule loss
  3. Patching
  4. Tarp

The job today

Where the renewal list runs out

You get the renewal list and most of it rolls without anyone looking at a roof. A few addresses go to an inspection vendor, picked on the roof age from the application and the claims history, and the report comes back after the renewal work has moved on. The rest you take on trust.

Roof age on the application is what the customer wrote down, sometimes years back, and it says nothing about a patched slope or a blue tarp. That roof shows up when the claim does, and by then it's a loss, not a renewal decision.

Close view of asphalt shingle granules along a roof course

Comparison

The renewal review, step by step

Today's reviewWith Roof Scoring
Choosing which roofs to look atA short list built on roof age from the application, claims history and whatever the agent flagged.Every address in the book gets a read or an unreadable mark, so the list is built from what the roof looks like now.
Getting a look at the roofAn exterior inspection ordered from a vendor, or an aerial image pulled one address at a time and checked by eye.One imagery pass over the book. You send the address list and get the record back without ordering anything per roof.
Recording what was seenA note in the file, an inspection report, or nothing for the addresses nobody looked at.Four condition flags per address (staining, granule loss, patching, tarp), each present or absent, in a record you can sort.
Evidence for the fileInspection photos, where an inspection was done.A marked-up image for each flag, so a referral carries the spot it was raised on.
Sorting the book against guidelinesA manual pass through the list, or a filter on roof age alone.Sort and filter the whole book on the flags, and set the thresholds from your own underwriting guideline.
The renewal decisionThe underwriter reads the file and decides whether to renew, condition the renewal, or send it to non-renewal review.The same. A flag is an input to that decision.
Still yours: The guideline, the decision to renew, condition or not renew, the notice to the policyholder, and the roof age on the application.

What you get

What comes back for the book

CSV or spreadsheet

Condition flags per address

One row per address with four flags: staining present or absent, granule loss visible, patching visible, tarp present. Sort it against your thresholds.

Serves the sorting row in the ledger.

How it works

Follows your renewal cycle

Run it ahead of the review window, so the record is in hand when the referral queue is built.

  1. 01

    Send the address list

    The renewal book as addresses. Add your policy number so the record matches back to your system.

  2. 02

    Annual imagery pass

    We pull VHR imagery over the book at 0.3 m or finer, satellite or aerial, from a clear-sky window.

  3. 03

    Flags read per address

    Each roof is read for the four conditions and flagged present or absent.

  4. 04

    Record delivered

    You get the flag set, the marked-up images and the book summary, ready to sort.

  5. Review window

Limits

One read a year

The record is as current as the last pass. A roof repaired or damaged since then won't show until the next one.

What the old way still does better

An inspector on the ground sees under the eaves, in the attic, at the flashing and on a slope the imagery caught in shadow. A roof imagery can't read is marked as such and stays a job for an inspection.

Resolution floor

At 0.3 m a pixel is about a foot across. Staining, a tarp and a large patch show. A single missing shingle or a hairline crack does not, and granule loss shows as a change in tone across an area, not as individual granules.

Clear sky and tree cover

Optical imagery needs a clear pass, and a roof under heavy canopy can't be read. Those addresses are flagged as unreadable, not scored as clean.

A tarp is a tarp

The flag says a tarp is on the roof. It says nothing about the damage under it.

Not roof age

Flags are visual condition signals. They are not a roof age, a remaining useful life or a replacement estimate.

Who it's for

Switch if

  • You review a renewal book of homeowner policies and inspect only a short list of roofs
  • You want a condition read on every address before the referral queue is built
  • You set your own guideline and want the evidence to match it

Stay with inspections if

  • You need someone on the ground for interior or attic findings
  • You want a certified roof age or a replacement cost
  • You want the tool to decide renewals for you

FAQ

Questions before you send a book

Does this replace our inspections?

No. It reads the whole book from above so the inspection budget goes to the addresses that need one. Inspectors still see what imagery can't.

Does it tell us the roof's age?

No. The flags are condition signals from imagery. Roof age stays with the application and permit data you already hold.

Does a flag mean non-renewal?

No. It's an input to your guideline. The decision and the notice to the policyholder are yours.

How do we check it against our own data?

Send a set of addresses where you already have an inspection or a claim on file, and compare our flags with what your people found.

What about a roof we can't read?

It comes back marked as unreadable, with the reason, and is left for you to handle another way.

How does it fit our policy system?

It comes as a file keyed to the address and your policy number. We don't write into your policy administration system.

Who owns the imagery and the results?

Ownership and licence terms are agreed in writing when you start a project. If your legal team needs them earlier, ask.

How is it bought and priced?

Price depends on the size of the book and the imagery used. Tell us how many addresses you review and we'll scope it to that.

Send the renewal book.

Give us a set of addresses from the next review cycle and we'll show you what the imagery reads on them.

Start a project