Case Study: Leading Homeowners Insurance Carrier Company achieves 40% fewer inspections and improved loss ratios with LexisNexis Risk Solutions' Home Inspection Index

LexisNexis® Home Inspection Index Boosts Inspection Return on Investment

A leading homeowners insurer that pioneered online quotes and direct-to-consumer sales faced rising losses and inefficient inspection spend because it couldn’t identify which properties needed inspection at renewal. Instead it relied on costly, time‑consuming selective inspections in high‑hazard areas that produced low actionable discovery rates (10–20%).

The insurer deployed LexisNexis Home Inspection Index—a predictive 1–5 score integrated into its workflow—and piloted it in two states. By inspecting 60% of properties ranked 4–5, the carrier achieved a 50% actionable discovery rate, reduced total inspections by 40%, improved loss ratios, and replaced its prior inspection process while planning broader adoption.