Abstract: Apparatus and methods relate to applying a condition decay function to a property's initial investment value to generate numerical baseline condition scores for multiple predetermined time increments, and adjusting the baseline condition scores by investment value of property structure improvements occurring during each time increment and scaled according to a statistical distribution of values of property structure improvements to peer structures. Investment values may be calculated per square foot of structure. Investment values of an investment activity may be imputed according to a statistical distribution of investment values of peer structure investment activities. Adjusted condition score values may be scaled to standardized condition score values according to a predetermined quantile shift function for a property's jurisdiction(s). Effective age of a structure may be determined from condition score values.

Abstract: A computer-implemented method for determining modeled roof age of a structure is provided. Such methods comprise identifying a target structure for which an estimated roof age is desired, receiving data related to the target structure in computer-readable form, and inputting the data related to the target structure into a generalized linear model to determine a Per-Property Modeled Roof Age of the target structure. The modeled roof age preferably accounts for (i) the height of the trees, (ii) the proximity of the trees to the target structure, and (iii) the weather conditions for the structure's geographic location. Such methods can be applied in practice by substituting a typically inaccurate reported roof age with a more realistic modeled roof age in making homeowners insurance decisions.

Abstract: Computer-implemented methods and computer systems for identifying the building permit information associated with a structure, or estimating the condition or insurance risk of a structure are provided. The computer implemented methods comprise acquiring construction information on a plurality of structures in computer-readable form and converting the construction information into a standardized database. The computer-implemented methods may also include receiving appraisal data on the conditions of a subset of the plurality of structures, and/or receiving insurance data related to a subset, and determining one or more criteria of condition and/or insurance risk of a structure based on characteristics within the construction information which are associated with better condition and/or reduced insurance risk.