The current homeowners underwriting environment is exceedingly complex. To ensure dependable and consistent underwriting decisions, companies are incorporating more and more risk-specific information–such as fire-protection class, claims/loss histories and crime reports–into their underwriting decisions.

Straight-through processing–where the vast majority of underwriting decisions are made by programmed rules–is becoming more common. As a result, there is an increased demand to automatically incorporate risk-specific information into the underwriting environment.

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