Property data fields for insurance workflows
Specific BrightCat fields and products relevant to this vertical. Every field listed below is queryable through Snowflake SQL, MCP natural language, or available in the weekly flat-file delivery.
| Signal | Product | Field / Logic | What it tells you |
|---|---|---|---|
| Pre-mover signal | Listings | listing_status = NEW | Policyholder about to move — retention trigger |
| Investor-property flag | Listings + Sold | Sale-to-rent conversion within 180 days | Undisclosed rental use, higher risk profile |
| Price change velocity | Listings | pricechangepct, cumpricechgpct | Collateral value movement on insured properties |
| Dual-listing detection | Commercial | is_dual_listed = TRUE | Owner distress signal on commercial portfolio |
| Repeat-sale pairs | Core | Both sale prices + dates + property ID | AVM inputs for replacement cost estimation |
| Days on market | Listings | days_on_market, cum_dom | Market liquidity proxy for insured properties |
Sample query
-- Insurance retention: identify policyholders about to move
SELECT c.policy_id, c.policyholder_name, c.insured_address,
b.asking_price, b.property_type, b.listing_status,
b.days_on_market
FROM policyholder_table c
JOIN BRIGHTCAT_LISTINGS.PRODUCT.listings_weekly b
ON c.postal_code = b.postal_code
AND c.street_number = b.street_number
WHERE b.listing_status = 'NEW'
AND b.file_date = (SELECT MAX(file_date)
FROM BRIGHTCAT_LISTINGS.PRODUCT.listings_weekly);Abstract example. Exact column names provided with access provisioning.
P&C underwriting and risk scoring with property data
Canadian P&C insurers use property-level data to sharpen underwriting, validate claims, and monitor portfolio risk between renewal cycles. BrightCat's weekly pipeline provides signals that feed directly into underwriting workflows, catastrophe exposure models, and claims validation processes.
Underwriting and risk assessment
Property listing data reveals risk-relevant changes that traditional loss-history and credit-based models miss. A property entering the market signals occupancy change, which alters vacancy risk and hazard exposure. Price reductions may indicate deferred maintenance or neighbourhood-level distress. Sale-to-rent conversions within 180 days flag undisclosed rental use — a material change in risk profile for a homeowner policy. BrightCat surfaces these signals at the property level, weekly, across all ten Canadian provinces.
Claims validation and fraud detection
When a claim is filed, the property's listing and transaction history provides independent verification. Was the property listed for sale before the loss event? Did the asking price change significantly in the weeks prior? Was there a recent ownership transfer that wasn't disclosed? BrightCat's longitudinal history — covering 5.8M+ properties since 2014 — gives claims teams a second source of truth beyond the policyholder's own declarations.
Catastrophe exposure and portfolio monitoring
For portfolio-level risk, BrightCat data feeds concentration analysis and exposure monitoring. Property type, location, assessed value, and transaction velocity across a geographic area provide early indicators of market stress. Dual-listed commercial properties flag owner distress. Vacancy detection through listing status changes identifies properties at elevated peril for vandalism, water damage, and fire. These signals complement traditional catastrophe models by adding real-time market activity to static hazard maps.
Replacement cost estimation
Accurate replacement cost requires current market data. BrightCat's 194,000+ verified repeat-sale pairs provide the transaction-level inputs that AVMs and replacement cost calculators need. Unlike aggregate indices, BrightCat delivers the raw property-level pairs — both sale prices, both dates, same property — so actuarial teams can build their own models rather than depending on third-party black-box valuations.