Property-risk intelligence for underwriters
Read the risk before you write it.
Augurs read omens. Underwriters read schedules. Auguracula turns public records, building footprints, and coastal physics into signals you can price — permit history, fire PML, and coastal hazard, decomposed and confidence-scored.
Trace · reads the paper trail
Permit intelligence for property underwriting
Trace reads two decades of municipal permit records to reconstruct a property's true story — roof age, renovations, occupancy changes, vacancy signals — and turns a Schedule of Values into a triaged, evidence-backed risk picture.
Roof age, verified
Re-roof permits are the strongest single property-cat signal — 70–90% of insured residential catastrophe losses trace to roof damage. Trace finds the permit, not the broker's guess.
ITV drift detection
Additions and major renovations quietly stale your replacement-cost basis. Trace flags insured-to-value drift from the permit record itself.
Occupancy & vacancy signals
Certificate-of-occupancy changes, demolition permits, and permit dormancy expose occupancy mismatches and vacancy risk before the loss run does.
Honest coverage reporting
Every row carries match confidence, data age, and a coverage status. No permits found is never silently conflated with no permits exist.
Public data, rigorously read
Municipal permit systems, Overture building footprints, FEMA, USGS, NOAA — free, authoritative sources, normalized into underwriting signals.
Confidence on every field
Every output carries match confidence, data age, source, and resolution. Absence of evidence is never reported as evidence of absence.
Built for the SOV workflow
Schedules of Values in, triaged risk pictures out — as machine-ready JSON and human-readable flags your underwriters can defend.