Underwriting a Minnesota home turns on facts that are written down somewhere and almost never assembled: when the roof was last permitted, how old the mechanicals are, and whether this parcel was under a storm.
Roof age drives non-renewal in this market, and it decides whether a claim settles on actual cash value or replacement cost — a difference most owners discover at the worst possible moment. It is knowable from the permit record before anyone climbs a ladder.
When a roof was last permitted, by whom, and in which city's record — with that city's own starting date stated alongside it.
Whether this address sat under a damaging hail event, on which date, and whether a roofing permit followed — parcel grain, not a county advisory.
Furnace, boiler and water-heater age established from a rating plate or the permit record — the make and model identified, not inferred from the age of the house.
Where a point-of-sale evaluation exists, what an evaluator itemised — a pre-loss baseline rather than a reconstruction after the fact.
Every figure carries its provenance and its floor. A city's roofing record may begin decades after its building record does — Minneapolis's becomes dense in 2015 — which means silence before that date is an absence in the archive and not a statement about the building. Underwriting on evidence requires knowing which is which.
We are pre-launch, and for a carrier, broker or agency that is the useful moment rather than the awkward one: what the evidence layer reports, and at what grain, is still being decided with the people who would underwrite on it.