Abstract: Disclosed herein is a method of facilitating an insurance coverage determination for a property based on a plurality of characteristic elements relevant to the insurance coverage determination. The method includes receiving property data indicative of attributes of the property for the plurality of characteristic elements, determining a property risk score for the property based on the property data, and supporting the insurance coverage determination with the property risk score.

Abstract: A pre-screening or application risk assessment score may be calculated based on data accumulated during an insurance application process to more effectively segment risks at the point of application. The application data may be used as a substitute for, or in addition to, the applicant's credit score as an accurate measure of risk on the policy. In general, this pre-screening risk assessment score may be particularly useful for segmenting risks during the application and underwriting process for insurance policies that typically require a measurement of risks contributed by both the property and the applicant before the policy is written. More specifically, the score may be used during the underwriting process for property insurance policies. In accordance with one aspect of the disclosure, a method is useful for segmenting risks associated with an insurance coverage determination for property that typically requires a physical inspection, for example, real property.