What the Hail? For Home Insurers, Getting the Roof Right has Never Been more Important
The Insurance Institute for Business and Home Safety is overseeing the Fortified program, which assesses and scores roof material for durability to a variety of perils.
Good imagery, often matched to claims data from other losses, including auto, can give insurers a more accurate picture of likely losses.
New methodologies of roof scoring, based on sensors, cameras and data analytics, are enabling insurers to better compare roof risks across regions.
Roofs of commercial building tend to be larger, flatter and more exposed to collecting water than those of residential homes.
Satellites, radar and other improving technologies are allowing insurers to assess roofs under a variety of conditions and across time.
