Underwriting and Rating

Roof Age

Verisk combines permit insights, aerial imagery, assessor records, and an array of other data elements to assess the age of a structure’s roof.

Inaccurate roof data can directly impact your bottom line

Property insurers experience $1.31 billion in annual premium leakage due to underestimated roof age. More than a quarter of roofs are misclassified as younger than 15 years old. The reality? Some 75 million U.S. properties have roofs near the end of their useful life.

Roof data is critically important to evaluating a structure’s risk

Near-real-time permit data can help close the information gap and empower you to improve profitability and make confident decisions regarding risk—at scale.

Underwriting

Accelerate quote to bind with roof age prefill and ensure properties meet eligibility requirements.

Pricing

Fine-tune rating algorithms to segment and price risks effectively.

Marketing

Target ideal risk profiles for business expansion.

We’re using Verisk tools to prefill applications as far as possible with the best data in the business, so we can give customers a better purchase experience that earns their trust and loyalty.

Read the press release

David Howard

VYRD

Chief Executive Officer

The quality of your roof risk assessment may affect your profitability

The age of a roof closely correlates with the frequency and severity of losses from wind and hailstorms, which are the highest costs for property insurers. Traditional data sources often underestimate roof ages, leading to unreliable estimates. Avoid coverage and premium decisions based on unreliable estimates that can hurt profitability and lead to adverse selection.

Features and capabilities

Coverage

Reliable roof age is returned 100% of the time.

Currency

Data is collected daily and updated monthly to reflect the latest risk landscape.

Accuracy

Roof Age returns an actionable numeric confidence score to support straight-through processing.

Remaining Roof Life: Forward-looking roof intelligence for insurers

Identify roofs nearing end of useful life and prioritize action with greater confidence. Remaining Roof Life complements Roof Age and Roof Condition by estimating a roof's remaining service life, helping insurers support underwriting, renewal, inspection, and portfolio management workflows.

Download the flyer

Related resources

Stay in the know about important industry trends and innovative solutions.

Report

U.S. Roofing Trends Report 2025

Download the 2025 U.S. Roofing Realities Report for the latest data on roof risk assessments and how rising repair costs affect insurers and homeowners.

Download the report

Flyer

Make confident decisions about property risk

Know the true age of every roof you insure. Verisk’s Roof Age blends aerial imagery, property history, and robust analytics to deliver accurate insights that power better pricing, smoother underwriting, and smarter growth

Download the flyer

Infographic

Know your true roof exposure

Combining artificial intelligence and machine learning with leading data and analytics, Verisk provides key roof information for every property you insure.

View the infographic

Webinar

The New Science of Roof Risk, Powered by Imagery Analytics

This session explores emerging capabilities and analytics derived from our aerial imagery and roof analytics to help capture a comprehensive view of property risk.

View the webinar on demand

Article

How old is that roof?

Validating roof age is an ongoing challenge for homeowners insurers that demands a range of reliable sources to verify age, condition, and characteristics.

Read the article