Insurance

Building permit datafor insurance

Re-roof, electrical, HVAC, addition and pool permits on the properties you write: 4.9M permits from 591 building departments, with issue dates, status, job value, contractor and parcel ID.

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A crew on a storm-damaged house roof spreading a blue tarp while a supervisor walks the yard below — Blue Roof crew after Hurricane Ike, Houston, TX · Photo: Mike Moore, FEMA

Building permits: 4.9M
Building departments: 591
Permit history: Since 1963
Update cadence: Monthly

Rate the property as it stands today

Year built says little about a 1970s house with a two-year-old roof. Permits date the systems that drive losses, property by property.

Roof age from the record

Re-roof permits date the current roof by parcel, for roof-age rating and inspection triage.

Updated systems

Electrical, plumbing and HVAC permits show which older homes have been brought up to date.

New exposures

Additions, pools, solar and detached structures added since the policy was written.

Permits underwriting and claims use

Re-roofs

Roof replacements and repairs, with issue and completion dates.

Electrical service

Panel and service upgrades on older wiring.

Additions

Square footage added after the last inspection.

Pools and solar

New exposures on the property, with the date they went in.

Open permits

Work started and never finaled: a flag before you bind.

Contractors

Who did the work, for claims and fraud review.

What every file holds

4.9M permits from 591 building departments, in one schema.

Data dictionary Pricing

The same columns for every department: Permit number, type, work description, status, application, issue and completion dates, job value, contractor, site address and parcel ID.
Full history, or the past 12 months monthly: A county’s full history is $250–$500 once; a fresh 12-month file every month is $45–$75/mo. Statewide files and nationwide licensing too.
Joins to parcels: 99% of permits carry the county’s parcel ID, for joins to assessor rolls and parcel boundaries.
CSV, Excel or Parquet: Chosen per order, one file per county or state.

Common questions

Can we match permits to our policies?

Every permit carries its site address, and 99% carry the county’s parcel ID. Match on either.

Which counties have roof permits?

Each county page lists its permit count, years of history, top permit types and how often each field is filled, before you buy.

What formats do files come in?

CSV, Excel or Parquet, chosen per order.

How is it priced?

Counties are $250–$500 for the full history or $45–$75/mo for monthly updates, by county size. Statewide files are priced on permit count and never cost more than their counties combined. Every county and state page shows its exact price.

Roof and system dates for your book

Start with the counties you write most: the full history once, or a fresh 12-month file every month.

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