Property Underwriting Solutions

Sharpen property risk assessment and underwriting with peril-aligned analytics and high-resolution data.

Property underwriting is evolving quickly, and carriers need address-level insight at the point of decision. Moody’s brings together property characteristics, condition intelligence, geospatial context, and catastrophe-risk signals so underwriters can validate submissions, align decisions to risk appetite, sharpen pricing, and reduce avoidable rework, from quote to renewal. The result is more precise risk assessment and more consistent selection, pricing, and coverage decisions.

Wildfire risk can be reduced by 76% when vegetation is removed from within 10 feet of a property.

Roofs in bad condition are 2.5x as likely to suffer a wind claim than those in good condition.

Accounting for property condition can reduce valuation error by nearly 10%.

Over 25% of homes in hail-prone areas have undetected hail damage.

How we can help

By using industry-leading science, data, and AI technology, we enhance underwriting decision-making across personal and commercial property. Our solutions help underwriters make decisions with speed and confidence, modernize traditional workflows, and unify risk analytics.

Select and underwrite effectively

Our solutions deliver property-level hazard, vulnerability, and condition insights that improve selection, inspection, and automation to support precision underwriting. Carriers can identify loss-prone submissions earlier and increase underwriting efficiency while reducing inspection costs.

Make smarter coverage decisions

The insights we provide can help strengthen risk assessment from pre-bind through renewal, helping carriers make smarter coverage decisions that support sustainable growth, improve retention, and more comprehensive risk-based premiums.

Match rate to risk

Our solutions provide key property and location insights that can help bolster risk scoring and assessment, informing rate plans and policy pricing. Carriers can better align rate to underlying risk and set premiums with greater consistency and transparency.

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Property risk underwriting solutions

01 Residential underwriting
02 Commercial underwriting

01 Residential underwriting

Residential underwriting

Moody’s delivers high-fidelity property characteristics and condition insights — including roof condition, roof age, and building features — needed for automated and precise quoting, underwriting, and renewals. In addition, underwriters have access to science-backed risk, hazard, and vulnerability scores across primary and secondary perils for every property. Forward-looking, peril-aligned loss costs complete the financial risk picture, providing underwriters with a complete view of property risk at the point of quote and prior to every renewal.

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02 Commercial underwriting

Commercial underwriting

Moody’s provides construction, occupancy, protection, and exposure (COPE) insights; peril-aligned hazard and risk scores; and loss costs for small commercial, habitational, mid-market, and large commercial underwriting. These insights show how each building or multi-structure property is likely to respond to key perils, and construction and liability-related attributes highlight risks not visible from hazard alone. These insights are available via API, batch, or web application to support any commercial underwriting workflow.

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Property Intelligence Residential

Select the right risks, reduce expenses, and improve customer experience with AI-powered, geospatial property intelligence for homeowners insurance. Moody’s (formerly CAPE Analytics) delivers deeply predictive insights that help carriers quote, underwrite, rate, and renew policies with greater depth in an increasingly automated environment.

Moody’s CAPE Property Intelligence provides instant, property-level insights derived from high-resolution geospatial imagery and machine learning. The modules surface loss-predictive condition and risk factors to support streamlined decisioning from quote through renewal, helping teams move faster with fewer manual touchpoints, apply guidelines more consistently, and improve data quality versus traditional sources.

Provide instant quotes that better reflect risk. Catch undesirable risks earlier in the funnel, fast-track desirable risks to mitigate adverse selection, and improve the customer and agent experience with a higher-quality quote upfront.

Better direct inspection resources to the homes that need them most by using risk-predictive features (such as roof condition or yard debris) as flags, helping reduce unnecessary inspections while increasing the action rate on higher-risk properties.

Improve pricing and rating to support better loss ratios. Segment risk with greater granularity, and develop new rating factors using property condition insights.

Gain visibility on upcoming renewals using change detection and survey more strategically to improve underwriting costs while maintaining an up-to-date view of property risk across the book.

Moody’s CAPE Roof Condition Rating provides a score on a five-point scale that indicates the overall condition of the roof, supported by reason codes that explain why the roof received that score. Use Moody’s CAPE Roof Condition Rating for underwriting (including at quote and for inspection decisions), coverage decisions, and rating.

Property Intelligence Commercial Lines

Automate what can be automated and efficiently underwrite everything else. Access deeper COPE information to support small commercial, habitational, and mid-market commercial underwriting.

Moody’s CAPE Commercial Property Intelligence provides loss-predictive, aerial imagery-based property characteristics and condition insights to improve COPE assessments and support better underwriting and pricing. It fits different workflows by delivering risk signals via lightning-fast APIs for automation while also supporting human review of exceptions and complex property types via a web application and batch processing.

Gain visibility into loss-predictive property characteristics to make better underwriting decisions and match rate to risk.

Utilize API access to property insights for automated quote and bind workflows.

We provide workflows to handle exceptions and complex risks quickly and comprehensively.

Access methods

Lightning-fast API
Easy-to-use web application
Convenient batch processing

Built specifically for commercial properties, Moody’s CAPE commercial lines Roof Condition Rating provides a score on a five-point scale indicating the overall condition of complex small commercial, mid-market, and habitational roofs. Accompanying reason codes provide additional insight into each rating, identifying specific commercial roof issues and a visualization layer that shows where issues appear and what fraction of the roof is affected. This helps improve explainability to support underwriting and rating decisions.

Inside CAPE Roof Age: A modern approach to roof age accuracy

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Aerial drone view of small winding sreets and roads in a residential area of a small town

Inside the CAPE Roof Age solution: A modern approach to roof age accuracy

Read the blog

Residential neighborhood, aerial view, Baden Wurttemberg, Germany.

The hail solution: Weathering a growing storm

Read the white paper

CAPE Property Intelligence

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Peril Metrics

Understand property-specific peril risk with industry-leading catastrophe science. Moody’s Peril Metrics deliver a holistic suite of peril-aligned hazard data, risk scores, and loss costs at sub-second latency to help personal and commercial property carriers make more consistent underwriting and pricing decisions and support automated workflows.

Peril Metrics translate catastrophe modeling insight into decision-ready underwriting inputs at the individual-property level. Built on Moody’s catastrophe science, they bring more rigor to the underwriting process and help underwriting, pricing, and portfolio teams apply consistent risk signals when quoting new business, renewing existing policies, and considering downstream and portfolio workflows.

Utilize risk science to inform upfront underwriting decisions at quote and renewal.

Improve pricing sophistication using peril-aligned loss costs derived from catastrophe model insights.

Maintain aligned risk appetite from the property to the portfolio level using comprehensive Peril Metrics across geographies.

Support reinsurance discussions and help control reinsurance costs with improved underwriting discipline and consistent risk appetite across renewals.

Who we help

Chief underwriting officer
Property underwriters
Actuarial and pricing
Exposure and catastrophe

Chief underwriting officer

Set quote-to-bind execution standards (appetite, guidelines, referral rules) to improve consistency and auditability.

Steer new business and renewals using consistent risk signals to support profitable growth.

Property underwriters

Triage submissions at intake, quote faster-confirm key property details, identify issues early, and route referrals with fewer manual touchpoints.

Make more consistent quote, bind, and renewal decisions, aligning coverage, terms, and pricing to the underlying risk.

Actuarial and pricing

Operationalize pricing factors for quote and renewal by using consistent property- and peril-level signals.

Support rate-to-risk governance by improving transparency into the drivers behind premium, terms, and eligibility decisions.

Exposure and catastrophe

Exposure and cat risk

Translate portfolio risk appetite and accumulation constraints into practical quote and renewal guardrails for underwriting teams.

Maintain alignment for reinsurance and capital views by applying consistent risk signals across the book.

FAQs

We combine property-level characteristics and geospatial context with peril-aligned catastrophe risk signals and forward-looking loss costs; this helps underwriters make consistent decisions from quote through renewal without having to reconcile disconnected tools across teams.

It supports faster triage at quote, more efficient handling of referrals and exceptions, and more consistent decisions through renewal by applying risk signals across selection, pricing, coverage, terms, and governance.

Depending on the workflow, teams can use property intelligence attributes and peril-aligned metrics such as hazard scores, risk scores, and loss costs designed to be decision-ready, explainable, and usable across underwriting, pricing, and portfolio views.

Our solutions are designed for workflow-first integration typically delivered via APIs into the underwriting workbench and rules engine for real-time quote and triage as well as via batch enrichment for renewals and portfolio programs. Outputs can also be routed into data platforms for governance, pricing, exposure management, and reporting.

Not necessarily. Many customers start by augmenting existing data sources and workflows, embedding Moody’s risk signals where decisions happen (quote, referral, renewal). Teams can adopt one layer at a time and expand to a more connected approach as processes mature.

News and views

case study

Moody's

How Ohio Mutual and Moody’s teamed up to modernize ACV application using CAPE Property Intelligence

Bringing consistency and clarity when calculating Actual Cash Value (ACV) roof settlements for an insurer's homeowners book and provide underwriters with a reliable and objective view of roof quality at scale can be challenging. Kayvan Litke-Farzaneh explains Ohio Mutual Insurance Group evolved its use of aerial imagery in underwriting with the adoption of CAPE Roof Condition Rating to deliver property-specific Actual Cash Value (ACV) roof settlement insights. Using consistent data to segment risk now allows Ohio Mutual to apply depreciation where it’s warranted, and match price to risk more accurately.

blog

Moody's

Event Damage for underwriting: Quickly assess post-cat property risk

Quickly assess post‑cat property risk with AI‑driven, property‑level event damage insights that help underwriters resume quoting faster and with confidence.

blog

Moody's

Introducing Roof Age Version 3: A new standard in roof age detection

The CAPE team is proud to introduce its Roof Age Version 3 (V3) model, a groundbreaking solution that combines high-resolution geospatial imagery with permit data to deliver improved coverage and transparency in residential roof age detection.

article

Moody's

The challenge of unlocking accurate roof age data

Roof age has long played a pivotal role in assessing property claims risk, underwriting decisions, coverage options, and pricing strategies.

Aerial night view of a smart city residential area showcasing connected homes and lush green trees with glowing network lines illustrating modern technology and urban development.

blog

Moody's

Insurance Solutions at Moody’s: Building the future of underwriting

Busy Cummings announces the launch of Moody’s suite of underwriting solutions, a deep, long-term, and broad initiative to unify disparate insights and tools—supported by risk science and AI— and all built specifically to support P&C underwriting and rating teams succeed in an era of exponential risk.

blog

Moody's

From data silos to unified insights: The next evolution of Moody’s Intelligent Risk Platform

To achieve fully unified and consistent risk analytics, firms needs detailed, trusted, and timely property intelligence, and just over year in since CAPE Analytics joined Moody's, together we’re making significant strides toward a more unified risk lifecycle, powered by integrated property intelligence and advanced modeling science. In a new blog, Evan Cropper, Emily Prestley, and Oliver Smith announce the launch of two new solutions over the next couple of months, Peril Metrics and Exposure Enrichment, that combine Moody’s RMS modeling expertise with CAPE’s AI-driven property insights to enhance our underwriting and catastrophe modeling solutions.

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