The model
Every roof in your market, scored by storm damage.
Not a zip code someone heard got hit. Every single-family home in the metro, ranked by the damage its roof has taken and how recently it took it.
What the score measures
Two things move the score. Nothing else.
Storm damage
The worst hit a roof has taken
Severity-weighted across a decade of hail and wind, and raised for roofs caught in more than one event. Physical damage is permanent, so it never fades from the score.
Freshness
How open the claim window still is
A roof still inside the insurance claim window is a different call than one years past it. Freshness decays over time. Damage does not.
What it is built from
Four public sources, one number.
Storm events, building permits, county parcels, and building footprints, joined for every home in the metro and distilled into a single score.
Built to be trusted
Proven signals drive the score. Weak ones stay as context.
Checked before a home scores
Owner-occupied, valued, and due
A property has to be owner-occupied, worth real money, and past the age where most roofs get replaced before it earns a place on the list.
Shown as context, never scored
No guessing dressed up as fact
Roof age is mostly inferred, so it rides alongside the score as a labeled signal, never hidden inside it. Measured facts drive the number. Weak proxies stay visible.
Checked against reality
Validated against real reroofs, not a synthetic metric.
In a validation window, the top-ranked fifth of properties captured roughly 63 percent of the homes that reroofed after a storm. The bar is simple: a method an actuary could sign off on.