October 17, 2018 | IN Blog

HazardHub Releases Enhanced Property Characteristics

At HazardHub, data is our passion. We aim to provide as much data as possible to make the insurance process both way faster and way MORE accurate.

The one key element we thought we could improve upon? Property characteristic data. We currently provide county assessor data and – while it does a great job at proving things important for the assessor (like beds, baths, and sq footage) – it does not do such a great job at proving the level of detail that makes a property come alive. Of course, at HazardHub we love a good data challenge. We did some digging and determined that we could be better. A LOT better.

Introducing Enhanced Property Data from HazardHub – our data source that combines county tax assessor data with in-depth real estate transaction data to give you unprecedented insight into the characteristics of an individual property.

Here’s a sample of data that’s available for 637 Hibiscus Glen in Escondido, CA.

Here’s how the complete data looks in the HazardHub API – the BOLD data represents new data elements previously unavailable with HazardHub.

  • enhanced_property_data: {
    • property: {
      • address: “637 HIBISCUS GLN, ESCONDIDO, CA 92025”,
      • apn: “272-672-06-30”,
      • use_code: “Condominium”

      },

    • assessment: {
      • Assessed_Improvement_Value: 213490,
      • Assessed_Land_Value: 103929,
      • Assessment_Year: “2017”,
      • Building_Area: 2163,
      • Building_Area_1: 0,
      • Garage_Cars: 2,
      • Garage_Type: “Yes”,
      • LSale_Price: “0”,
      • LSale_Price_Code: “Transfer Tax on document indicated as EXEMPT.”,
      • LSale_Recording_Date: “20180504”,
      • LotSize_Acres: 5.23,
      • LotSize_Frontage_Feet: “0000000000”,
      • LotSize_Square_Feet: 227798,
      • Main_Building_Area_Indicator: “Living Area”,
      • N_of_Plumbing_Fixtures: “0”,
      • Number_of_Baths: 2,
      • Number_of_Bedrooms: 3,
      • Number_of_Partial_Baths: 0,
      • Number_of_Units: 1,
      • Owner1FirstName: “JOHN C”,
      • Owner1LastName: “SIEGMAN”,
      • Owner2Firstname: “ROXANNE A”,
      • Owner2LastName: “SIEGMAN”,
      • PSale_Price: “605000”,
      • School_Tax_District_1: “ESCONDIDO CITY”,
      • School_Tax_District_1_Indicator: “Tax”,
      • School_Tax_District_2: “ESCONDIDO UNION”,
      • School_Tax_District_2_Indicator: “School”,
      • Standardized_Land_Use_Code: “1004”,
      • Tax_Amount: 3662.2400000000002,
      • Tax_Rate_Code_Area: “4-167”,
      • Total_Assessed_Value: 317419,
      • Total_Market_Value: 0,
      • Total_Number_of_Rooms: “0”,
      • Year_Built: “1983”,
      • No_of_Stories: null,
      • Owner_Occupied: null,
      • School_Tax_District_3: null,
      • School_Tax_District_3_Indicator: null

      },

    • listing_record: {
      • list_date: “3/11/2018”,
      • list_price: 649000

      },

    • mls_listing_record_details: {
      • ex_construction_features: “Stucco”,
      • ex_fence_features: “FN”,
      • ex_garage_features: “Attached”,
      • ex_garage_spaces: 2,
      • ex_parking_features: “Driveway”,
      • ex_roof_features: “Tile”,
      • ex_sewer_features: “Sewer Connected”,
      • ex_style_features: “Spanish/Mediterranean”,
      • if_cooling_features: “Central”,
      • if_cooling_yn: “YES”,
      • if_fireplace_yn: “YES”,
      • if_heating_features: “Forced Air, Gas Natural”,
      • if_levels_features: “02 Story”,
      • if_water_features: “Meter On Property, Gas Water Heater”,
      • in_living_square_feet: 2163,
      • in_property_type: “Residential”,
      • rm_baths_full: 2,
      • rm_baths_total: 2,
      • rm_bedrooms_total: 4,
      • rm_room11_type: “BD”,
      • rm_room13_type: “BD”,
      • Ad_geo_altitude: null,
      • ad_zone_features: null,
      • ex_exterior_wall_features: null,
      • ex_foundation_features: null,
      • ex_general_features: null,
      • ex_location_features: null,
      • ex_lot_size_acres: null,
      • rm_family_yn: null,
      • rm_room11_features: null,
      • rm_room13_features: null,
      • rm_rooms_total: null,
      • ex_patio_features: null,
      • ex_patio_yn: null,
      • ex_road_features: null,
      • ex_wateraccess_features: null,
      • ex_waterfront_features: null,
      • if_appliance_features: null,
      • if_basement_features: null,
      • if_basement_yn: null,
      • if_floor_features: null,
      • if_general_features: null,
      • if_security_features: null,
      • if_security_system_yn: null,
      • if_utilities_features: null,
      • if_window_features: null,
      • in_association_dues1: null,
      • in_sold_date: null,
      • in_sold_price: null,
      • in_subtype: null,
      • rm_baths_half: null,
      • sc_school_district: null

      },

Gathering data about a property is a painful, manual process that introduces numerous errors into the insurance process. With the introduction of Enhanced Property Data, we’ve taken a 30-40 minute data gathering exercise and reduced it to less than 30 seconds, while increasing the accuracy of your data.

Having instantaneous, automated access to property characteristic data is critical for agents, carriers, AND insureds. Agents can focus on being a trusted advisor to clients and get out of the data gathering business. Carriers can speed up both the accuracy and timing of a policy quote with instant access to our risk data, our fire station and hydrant data, and in-depth property characteristic data. Applicants and agents will no longer need to take the time to answers questions that can easily be pulled from a trusted and reliable third-party source.

Here’s the best part! The improvements are absolutely FREE for all existing property data customers. Like with all of our data, when we develop a massive improvement you get it at no additional cost.

If you want the Enhanced Property Data, just let us know and we’ll add it to your API account