For commercial property, physical underwriting brings roof condition, climate exposure, repair history, inspection evidence, and failure timing into decisions that were often made from age, financial records, or sparse inspection cycles.
Insurers use physical underwriting for selection, premium loading, renewal review, loss control, and claims preparation. Lenders and servicers use it for reserve, collateral, and covenant risk. Owners use it to prioritize CapEx and reduce surprise failures.
RAKE ML starts with commercial roofs because roof failure is a major source of physical risk across insurance, credit, brokerage, and ownership workflows.
Related reading: What Is Physical Underwriting? and roof failure probability.