Underwriting-grade property risk, on demand.
Claims correlate with building condition, neighborhood signals, and climate exposure. Lucen scores every residential address on all three — in a format designed to sit inside a Guidewire, Duck Creek, or custom rules engine.
You price 6M policies a year on incomplete property data.
Current data vendors aggregate parcel-level attributes. Lucen adds compliance history, 311 complaint velocity, elevator/boiler signals, and fair-housing-audited climate exposure — the signals that actually predict claims frequency.
Condition signal
HPD violations and DOB filings are leading indicators of claims. We surface both at scoring time.
Peril composite
FEMA flood, heat, wind, and hail exposures normalized onto a single Risk sub-index per property.
Custom-weighted scoring
Auto, home, condo, renter — your line has its own weight schedule. We rescore via the custom-weights endpoint.
Scores vs. outcomes, on your book.
We run historical scores against your past policy + claims data to show the claim-frequency gradient across Lucen Score buckets. Most partners see a step-change difference between scores <50 and scores >80.
Drops into your underwriting stack.
Guidewire
Pre-built integration pattern for PolicyCenter. Score call, response mapping, rule-engine hooks.
Duck Creek
Integration via REST adapter. Score + sub-indices available as rating factors.
Custom stack
REST API, Python/Node SDKs, webhooks. SOC 2 Type II audited. 99.95% uptime SLA.
Back-test against your claims history.
No commitment. Share anonymized policy + claims data. We run it in 2 weeks.