Selective introduced a filing in Maryland to update the roof condition rating model used in its homeowners insurance program.
The filing updates Selective’s roof condition scoring model with Moody’s latest aerial imagery analytics technology following Moody’s acquisition of Cape Analytics.
The change applies to Selective’s homeowners business in Maryland starting June 30, 2026. The insurer said the update will not impact overall rates or alter existing rating rules. The book includes around 6,280 policyholders and nearly $14.9 million in written premium in the state.
According to the filing, Moody’s Roof Condition Rating Product uses geospatial imagery and AI driven analytics to evaluate the exterior condition of single family dwelling roofs. Properties are assigned one of six roof condition classes based on imagery analysis and supporting reason codes.
- Excellent (2): no visible roof defects
- Good (1): minor discoloration or streaking
- Fair (0): major discoloration, streaking, or ponding
- Poor (-1): rusting, sealing, runoff, or patching
- Severe (-2): structural damage, tarps, or peeling material
- Unknown: roof condition cannot be determined due to obstructions such as trees or shadows
Selective noted that properties assigned an “Unknown” classification receive a neutral roof condition rating factor in the rating algorithm.