Homeowners Underwriting

Discover how Verisk’s Roof Condition Score helps insurers manage risk, refine pricing, and improve portfolio performance with detailed roof insights.

Total reconstruction costs in the United States, including materials and retail labor, increased by 5.2% from April 2024 to April 2025, up from April 2023 to April 2024 (4.6%).

Total reconstruction costs, including materials and retail labor, continue to increase nationwide.

Total reconstruction costs, including materials and retail labor, continue to increase nationwide.

Verisk releases new quarterly reconstruction costs report for Q2 2024.

Verisk releases new quarterly reconstruction costs report for Q1 2024.

Total reconstruction costs increased 5.1% from October 2022 to 2023. This uptick follows the 4.3% increase from July 2022 to July 2023.

To help insurers navigate the increasing complexity in the market, Verisk has developed the Market Expectations Index for 360Value.

A new law is expected to have a far-reaching impact on the Florida insurance market.

Insurers must explore changes affecting their risk portfolio and leverage component- and property-level insights to help them maintain ITV.

As climate change unfolds, hurricanes give a high-profile glimpse into the potential effects of a warming world.

Current and curated data about a structure’s age, square footage, and use are the backbone of reliable reconstruction cost estimates (RCEs).

Total reconstruction costs increased 4.3% from July 2022 to July 2023. This uptick follows the 3.1% increase from April 2022 to April 2023.

Market value and reconstruction cost estimates are unique measures subject to different forces; only RCEs should be used for coverage.

Catastrophe models help better understand and quantify insured losses caused by climate change and climate variability.