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.