Abstract: A system for detecting unreported exposures is disclosed. The system includes a load unit configured to accept state records. The system also includes a risk determination unit operatively connected to the load unit. The risk determination unit has a comparison module and a rateability module. The comparison module matches an address in the state records to a state policyholder address to find an unreported exposure. The rateability module prioritizes the unreported exposure based on its correspondence to a policyholder record. The system also includes a report unit that is operatively connected to the risk determination unit. The report unit is configured to compile an output record of one or more of the unreported exposures.

Abstract: In one aspect of the present invention, a fire risk assessment system comprises a data storage unit, a customer interface, a location unit, and a protection status unit. The data storage contains fire station information. The customer interface accepts address data and outputs fire station, address and protection status information. The location unit calculates locations of addresses, calculates driving distances from fire stations and determines whether that location is within a municipality. A protection status unit assigns a protection status to the address based on fire station distance and municipality status information.