The RH Score expresses roof condition on a single 0–100 scale, anchored to a property address and decomposed into the perils that actually drive roof failure. Here is what the number means and how it is built.
The 0–100 scale resolves into six condition bands. The same thresholds drive every surface, so a property scored 40 reads as “Low” everywhere it appears — in a quote, a claim file, or a portfolio scan.
Lower bands indicate a covering nearer the end of its structural life; higher bands indicate more remaining life and resilience.
The headline score is built from a per-peril decomposition, mapped wherever possible onto the published frameworks insurers and adjusters already use.
How the covering holds up to hail impact, expressed on the Underwriters Laboratories impact-resistance classes 1 through 4.
Resistance to wind uplift, expressed on the ASTM classes D, G, and H — rated at 115, 150, and 190 mph.
Cumulative solar and thermal exposure that ages the covering and weakens granule adhesion over time.
Freeze-thaw cycling and ice-dam stress, weighted for cold-climate exposures where they drive failure.
Water-intrusion and moisture exposure that compromises the covering and the structure beneath it.
Every score starts from a property address, not a person. Property data and personal identity are separated by design, consistent with PIPEDA and Quebec’s Law 25.
Address-level climate and weather-exposure data is combined with roof age and material characteristics where available, across each of the perils that drive failure.
The factors resolve into a single 0–100 score and a per-peril decomposition, computed on a methodology we publish rather than a black box.
Scores are designed to update as exposure accumulates. Every score carries a methodology version, so results stay comparable and auditable over time — the FICO 8 / 9 / 10 model.
A statistical estimate of roof condition derived from a continuously-improving predictive framework, built to be pulled and acted on across underwriting, claims, lending, and ownership decisions — with a published methodology behind every number.
The RH Score is not a guarantee of roof performance and not a replacement for a licensed roofing inspection or structural engineering assessment. Parties relying on the score remain responsible for their own underwriting, lending, claims, and decision-making.