Property insurance has standardized nearly every input to risk — credit, valuation, building code — except the one that drives the most claim severity. The RH Score gives underwriting, renewal, and claims an independent, address-anchored roof condition signal.
Age is a proxy, and a weak one. Two roofs of identical age can differ by years of remaining life depending on climate exposure, material, and wear. Underwriting on age alone systematically misprices both ends of the book.
The RH Score is designed to live inside the systems you already operate — pulled at the points where roof condition actually changes a decision.
Pull an RH Score at quote and underwrite roof risk on an independent condition signal. Decline, surcharge, or credit on evidence rather than a date on a roof.
Anchor the policy to a recorded baseline condition the file can reference at renewal or at a future claim — not a memory or a missing inspection.
Re-score at renewal and scan whole portfolios. Target non-renewals and loss-prevention outreach where the roofs actually warrant it, not across the board.
Bring a pre-loss condition baseline to repair-vs-replace and actual-cash-value discussions, so depreciation is grounded in an independent signal instead of dispute.
A continuous 0–100 signal, decomposed by peril, that prices the roofs that are actually good and flags the ones that are not — regardless of age.
Identify roofs where treatment beats replacement, and gate discounts or loss-prevention subsidies on a credible eligibility signal rather than guesswork.
A methodology-published, address-anchored signal designed for the risk-based pricing review processes OSFI, AMF, and US departments of insurance already run.
An independent pre-loss baseline gives adjusters and policyholders a common reference, resolving condition and depreciation disputes faster.
We are not selling a black box. The RH Score is a standard, built to be pulled, audited, and defended.