Property insurance has built standards around almost every variable that drives risk — credit scoring, vehicle history, actual cash value, building codes. Roof condition has remained the exception. The RHS Center is building the address-level standard the industry needs.
Over time, every major component of property risk has been formalized into an industry standard — an independent, methodology-published, address- or asset-anchored signal that any party can pull and trust. Roof condition is the conspicuous gap.
The RHS Center exists because the property risk economy has matured around standards in every category but this one. Our purpose is to close the gap — and to do it in a way that earns the trust of insurers, regulators, lenders, and homeowners simultaneously.
A continuous, independent, transparently-governed roof condition score that every party in a property transaction can pull and act on — from underwriting to claims to ownership transfer. Methodology-published. Address-anchored. Built for institutional use.
Every insurer, reinsurer, lender, regulator, REIT, adjuster, and homeowner can reference the same address-anchored signal. Underwriting accuracy improves. Claim disputes resolve faster. Loss prevention becomes investable.
We are not selling a black-box analytics product. We are building a standard that needs to live inside the workflows insurers, adjusters, and lenders already use — and that needs to be defensible to regulators, auditors, and the homeowners it scores.
Continuous, not binary. Updated as conditions change. Decomposable into the categories insurers and adjusters need: hail, wind, UV, ice dam, rain. Designed to be usable by an actuary, an underwriter, an adjuster, and a homeowner.
Pull by quote, bind, claim, renewal, or portfolio scan. Designed to integrate with the policy administration and claims systems insurers already operate. Reporting outputs sized for actuarial use and homeowner use, in parallel.
Every score carries a methodology version. Methodology updates are announced. Disputes have a published resolution process. The governance is built to survive scrutiny from a regulator, an auditor, and a homeowner — because the standard cannot stand without all three.
The RHS Center is not a finished product. We are building a standard, and standards mature through use, feedback, and accountability. Early partners help shape the integration roadmap and the governance structure. Bring us to the next level.
A standard is only a standard if it’s usable across the ecosystem. We are designing for the institutions that price roof risk, settle roof claims, finance roofed properties, and live under them.
Several forces are converging at once. Each on its own would justify the work. Together they have made the absence of a standard untenable.
Hail and wind frequency and severity are climbing across North American markets. Insurers cannot price what they cannot measure, and roof age has stopped predicting what’s underneath.
State insurance departments, OSFI, AMF, and equivalent bodies are pushing insurers toward more defensible risk-based pricing. Roof age is not a defensible answer anymore.
ACV calculation on roof claims is one of the most disputed areas in property insurance. The lack of an objective condition input fuels every dispute. An independent score changes the conversation.
Roof treatment products are showing benefit-cost ratios that justify insurer-funded subsidies — but only if a credible eligibility signal exists. That signal is the RH Score.
We are not inventing new categories of risk. We are mapping a continuous condition score into the published frameworks that insurers, adjusters, and regulators already use.
Underwriters Laboratories standard for impact resistance of roof covering materials. Classes 1 through 4.
Wind-resistance standard for asphalt shingles. Classes D, G, and H at 115, 150, and 190 mph.
Canadian federal and Quebec privacy framework alignment. Property data and personal data separated by design.
Designed to integrate with the rate-filing and risk-based pricing review processes used by Canadian and US regulators.
For the RHS Center to function as a standard, it must be governed like one. That means transparent methodology, anti-exclusivity by structure, independence from product affiliation, and a published accountability framework. We have built the governance to match the ambition.