60% higher claim likelihood at properties with active violations.
The enforcement history that predicts claims isn't in your underwriting model. Pane adds it.
What inspection-based underwriting misses.
A property can pass a physical inspection and still have years of unresolved municipal citations. Inspections capture condition at a point in time. Violation history captures management behavior over time.
A property that was clean at underwriting may have accumulated violations by renewal. Without continuous monitoring, you're repricing risk based on stale information.
Properties managed poorly accumulate violations. Properties with violations accumulate claims. The compliance record is a leading indicator of claim likelihood that most underwriting models entirely miss.
The enforcement history layer your underwriting is missing.
Run any address through Pane before binding. Get a complete violation history, severity classification, and enforcement timeline — the management track record your inspection doesn't capture.
Pane monitors every insured address daily. Risk changes between renewals surface in your dashboard — so you're never repricing on stale information.
See compliance posture across your entire book. Identify concentrations of poorly-managed properties before they become claim concentrations.
The compliance record is a proven leading indicator of claim risk. Pane makes it visible at underwriting — and keeps it current through every renewal.
Compliance intelligence at every stage of the policy lifecycle.
Single address or full portfolio. CSV or API. Pane returns the complete compliance profile within 24 hours.
Violation history, severity classification, enforcement timeline, and penalty exposure — the management track record your inspection doesn't show.
Continuous daily checks. Risk changes surface before renewal — so you're always pricing on current information.
Add the compliance layer your underwriting model is missing.
Get our sample compliance report and see how Pane identifies risk before it becomes a claim. We'll follow up to run live data on your actual properties.