Chapter 5: Cotality's AI Insurtech Platforms and Applications” e-book, highlighting UnderwritingCenter.

Cotality began integrating artificial intelligence into Insurtech solutions more than 20 years ago, starting with simple AI in automated valuation models.

Over the years, Cotality's platforms—along with their features and functionalities—have evolved with the increasing sophistication with AI.

Our AI-driven technology, CoreAI, now enables all insurance professionals, including restoration contractors, to perform their work more efficiently, insightfully, and safely.

Cotality's AI-driven solutions include:

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Age of Roof™ combines CoreAI, Cotality’s extensive property data, and insights derived from aerial imagery to provide insurers with the most accurate information around when a roof replacement occurred. By applying AI insights to imagery, Age of Roof delivers a high level of precision that improves decision-making and risk selection processes. The seamless integration of AI, aerial imagery, and consistently updated property intelligence—along with building permits and weather-risk analytics—ensures a superior level of accuracy, driving trust in roof risk assessments.

AI Virtual Survey™ deploys CoreAI models to quickly scan aerial imagery of properties to assess condition hazards, Insurance-to-Value (ITV) factors, and geospatial risks. The combination of Cotality’s real estate imagery database and aerial scanning gives underwriters a comprehensive assessment of the interior and exterior risk profiles of properties. With this full set of data and intelligence, underwriters can make the best policy decisions for every property—all without onsite visits.

Roof Condition Insights™ (RCI™) employs CoreAI models to accurately identify roof condition, roof reconstruction value, and roof exposure history. By combining our distinctive and proprietary data with imagery AI-extracted attributes, RCI can assess the current state of a residential property's roof. RCI users can quickly obtain an up-to-date holistic roof condition evaluation on every policy exposure they underwrite. RCI can also enhance claims handling by supplying roof condition data and other critical information at first notice of loss (FNOL) to expedite claim resolution and increase policyholder satisfaction.