RISK INTELLIGENCE / THE PHYSICAL ASSET
We underwrite the physical asset.
Property underwriting often begins with structured submission data. Iconiq goes further by incorporating building-specific condition, imagery, hazard, and valuation information where available.
01 / A DEEPER VIEW
Five dimensions of a property decision.
01 / Building condition
Exterior condition, visible deterioration, maintenance indicators, the building envelope and roof condition.
02 / Property data
Construction, occupancy, protection, exposure, age and renovations.
03 / Hazard intelligence
Location-specific wind, hail, tornado, wildfire, flood and other relevant hazards inform risk assessment; they do not imply coverage.
04 / Valuation
Replacement cost, construction costs, architectural features, historic materials, code considerations and insurance-to-value review.
Building-specific intelligence contributes to eligibility, pricing, deductibles, terms, coverage structure and loss-control requirements, alongside underwriter judgment and carrier authority.
02 / VISUAL BUILDING INTELLIGENCE
Better information before coverage is bound.
Iconiq uses technology developed through T2D2 to help incorporate physical building-condition information into underwriting. Depending on the property, this may include exterior imagery, roof information, visible condition indicators, inspection data and other property-level observations.
Technology supports the underwriter’s assessment; it does not replace underwriting judgment.