Since its establishment, e2Value has approached property risk management with the belief that valuation tools should be straightforward to understand, practical to use, and easy to explain. Moreover, the values they produce should support informed decision-making. As a provider of property-based solutions for risk management, the company has shaped its technology around these principles. That mindset is reflected in the Structure Insurance Score (SIS), a scoring framework designed to help insurance professionals view residential structures more clearly through a risk lens.
SIS evaluates how a home is likely to behave in the event of a covered loss. Rather than focusing on market value or homeowner behavior, it focuses on the structure itself and the way its physical characteristics may influence loss outcomes. The score primarily emphasizes three perils that affect residential properties across regions: fire, water, and weather. Todd Rissel, co-founder and CEO of e2Value, states, “The system also considers additional criteria, but these core perils form the foundation of the model because of their broad relevance and frequency in residential insurance portfolios.”
By examining a home’s construction type, layout, materials, location, and other structural attributes, SIS evaluates how those factors may influence damage patterns. This analysis produces a score that insurers can use as one of several inputs when allocating risk and setting premiums. The process is designed to occur instantaneously and integrates directly into the quoting workflow, allowing the score to be considered alongside more familiar rating factors with minimal friction to underwriting or sales processes.
Rissel emphasizes the importance of making complex analytics usable. “Risk models are most effective when people can work with them,” he states. “Our goal has always been to translate large amounts of structural and loss data into something that fits naturally into how insurers already operate, without asking them to change how they explain decisions internally or externally.” This perspective has guided both e2Value’s valuation tools and the development of SIS as a practical, embedded capability rather than a standalone analysis.
The concept behind Structure Insurance Score draws from a familiar idea within insurance: sharing risk by understanding how individual assets contribute to a broader portfolio. Rissel notes that just as vehicles are evaluated based on how they tend to perform in accidents and how costly they are to repair, homes can be viewed through a similar structural lens. Two houses with the same replacement cost in the same neighborhood may present different risk profiles because their construction responds differently to fire, water intrusion, or weather events. SIS allows those distinctions to be reflected more clearly, supporting insurers in balancing portfolios while maintaining consistency in pricing logic.
Simple structural examples help illustrate this approach. “A one-story home and a two-story home with similar square footage may face different exposures,” Rissel explains. “A one-story structure typically has a larger roof footprint, which may increase exposure to hail or wind-related damage. On the other hand, a two-story home may have less roof area but might experience different patterns of loss when fire or water affects multiple levels.” SIS aims to account for these distinctions while focusing on how physical form influences the likelihood and extent of damage.
e2Value’s broader expertise in property valuation provides context for SIS. Since its founding in 2000, the company has worked with insurers, brokers, and other stakeholders to understand how valuation and risk information are used across underwriting, claims, and portfolio management. Its web-based tools support insurance-to-value assessments and collateral value monitoring for residential, commercial, and farm structures, and that same emphasis on usability carries through to the scoring system. “SIS isn’t intended to replace valuation,” Rissel stresses. “It complements it by adding a structural risk perspective to the financial view of a property.”
Although SIS currently applies to residential homes, its underlying methodology is adaptable. Rissel notes that expanding the score to commercial structures is a potential future direction, reflecting the availability of broader datasets and the diverse construction types found in that segment. Ranches and other specialized properties may also be considered over time.
Overall, the Structure Insurance Score reflects e2Value’s effort to make property risk more visible and actionable within existing insurance processes. By aligning detailed data analysis with practical application, SIS supports a more nuanced understanding of how homes contribute to risk, reinforcing e2Value’s belief that clarity and accuracy are particularly valuable when they work hand in hand.
About e2Value
e2Value is a leading innovator in property valuation technology, providing web-based solutions for residential, commercial, and farm structures. Founded in 2000 by Todd Rissel and George Moore, the company’s tools deliver fast, accurate, and cost-effective valuations that support insurers, lenders, and property owners. For more information, visit e2value.com.
Media Contact
Angela Connolly
aconnolly@e2value.com
