Underwriting Prefill
Underwrite with speed and greater certainty
A clearer path to confident underwriting
Sound underwriting starts with accurate information at the point of submission. While standard risk assessments often rely on piecing together fragmented data from scattered sources, Cotality's Prefill brings the complete property picture into focus immediately.
By delivering highly verified residential and commercial data straight into your workflows, Prefill reduces the need for manual cross-checking and self-reported applicant answers. With a verified property profile instantly available, underwriters can move past guesswork, price risk with greater conviction, and build a stronger book of business.


Property intelligence built to perform
Transform how risk is evaluated. Underwriting Prefill aggregates, verifies, and delivers actionable property intelligence, giving you a clear profile of the property before a policy is written.

Consolidated Property Intelligence
Bring data from public and proprietary sources into one clear view. Bypass unnecessary complexity and give underwriters exactly what they need to evaluate the property.

Multi-Source Verification
Cross-check facts automatically. Our built-in confidence scoring verifies data points across multiple records, increasing the accuracy of your risk decisions.

Independent Validation
Move past applicant-provided guesses. Validate application details against independent property records to create a reliable record for risk analysis.

Deep Property Insights
Look beyond basic public records. Use up-to-date imagery and property attributes to uncover hidden risks like roof age, condition, and building materials.

Consolidated Property Intelligence
Bring data from public and proprietary sources into one clear view. Bypass unnecessary complexity and give underwriters exactly what they need to evaluate the property.
Multi-Source Verification
Cross-check facts automatically. Our built-in confidence scoring verifies data points across multiple records, increasing the accuracy of your risk decisions.
Independent Validation
Move past applicant-provided guesses. Validate application details against independent property records to create a reliable record for risk analysis.
Deep Property Insights
Look beyond basic public records. Use up-to-date imagery and property attributes to uncover hidden risks like roof age, condition, and building materials.
FAQ
How does Prefill improve underwriting speed and accuracy?
Prefill automatically populates your estimate with a digital profile of any property, simply based on a street address. It instantly provides access to characteristics sourced and streamlined from appraisal data, MLS listings, and more.
Can Prefill integrate into existing systems for straight-through processing?
Yes. We tailor our solution to integrate seamlessly with any underwriting process via standalone UI, direct API, or hybrid approaches. Delivering insurance-ready data directly into your policy systems empowers true straight-through processing for highly efficient rate, quote, and bind workflows.
How reliable is the data provided by the Prefill solution?
Our prefill solution delivers over 100 million high-confidence property data returns, with 85% ranked as having Very High confidence. This exceptional accuracy significantly reduces the need for manual verification, ensuring your underwriting team can consistently trust the data driving decisions.
Can we assess the exposure of an entire property portfolio at once?
Absolutely. You can upload your entire book of business in a single convenient batch. Our advanced system will immediately analyze the true exposure valuation of all properties under your coverage, providing deep, portfolio-wide insights in a fraction of the time.
How can we help you?
Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.
Trying to reach us by phone?
Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.
Looking for support?
Visit our dedicated support page to find support for all our products.