How are underwriters evaluating roof age and shingle material conditions under the newest underwriting guidelines for homes over fifteen years old in tornado-prone areas?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How are underwriters evaluating roof age and shingle material conditions under the newest underwriting guidelines for homes over fifteen years old in tornado-prone areas?
2 real searches · 1 real-search pass
2026 homeowners insurance underwriting roof age shingles condition older than 15 years wind hail tornado prone guidelines insurersGoogle ↗
OBSERVEDReason
home insurance roof age underwriting actual cash value roof schedule 15 years shingles condition state insurance departmentGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 homeowners insurance underwriting roof age shingles condition older than 15 years wind hail tornado prone guidelines insurers Google ↗
home insurance roof age underwriting actual cash value roof schedule 15 years shingles condition state insurance department Google ↗
- Understanding How Insurers Evaluate Roof Risk · portal.ct.gov
- The challenge of unlocking accurate roof age data · moodys.com
- Home insurance guide · tdi.texas.gov
- California insurers tighten roof coverage rules · insurancebusinessmag.com
- U.S. Roof Report · verisk.com
- 2025 Technical Documents - FORTIFIED · fortifiedhome.org
- IBHS releases updated resilient construction standards – Insurance Institute for Business & Home Safety · ibhs.org
- 2025 FORTIFIED Home Standard · fortifiedhome.org
- Texas homeowners protected from being denied insurance based on roof age · tdi.texas.gov
- More Underwriting Changes: More Flexibility. More Opportunities. · ec2-44-220-110-73.compute-1.amazonaws.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 homeowners insurance underwriting roof age shingles condition older than 15 years wind hail tornado prone guidelines insurers OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
home insurance roof age underwriting actual cash value roof schedule 15 years shingles condition state insurance department OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |