# How CurbSight Property Scoring Works

Every property in CurbSight gets a single 0–100 score that ranks it against every other property in your territory. The score is a weighted composite of four core signals: roof age, hail exposure, financial confidence, and owner occupancy. Each signal is computed from public records and federal data — no scraping, no proprietary lock-in.

## The Four Core Signals

### 1. Roof Age (0–35 points)
Estimated from year built, with downward adjustment for visible roof condition in satellite imagery and recent permit activity (where county data is available). Properties with roofs estimated at 15+ years old score the highest. The score caps at 25 years to avoid penalizing already-replaced roofs on historic homes.

Formula sketch:
- Year built ≤ 2000 (roof likely 20+ years): +30 points base
- Year built 2000–2010: +20 points base
- Year built 2010–2018: +10 points base
- Year built >2018: +0 points base
- Visible new roof in satellite imagery: −15 points

### 2. Hail Exposure (0–30 points)
Computed by joining the property's coordinates against the NOAA Storm Events Database, which records every hail event reported to the National Weather Service. Larger hail (1.5"+) and more recent events (within 24 months) score highest.

Formula sketch:
- 2.0"+ hail within 24 months: +30 points
- 1.5"–2.0" hail within 24 months: +22 points
- 1.0"–1.5" hail within 24 months: +14 points
- Any hail 24–60 months ago: +6 points
- No recent hail: +0 points

### 3. Financial Confidence (0–20 points)
Based on assessed property value, lot size, and total acreage. Higher-value properties indicate the owner can pay for premium work and are more likely to use insurance for storm claims. Very low-value properties (under $50K) score lower because they tend to be rentals or distressed.

Formula sketch:
- $250K+ assessed value: +20 points
- $150K–$250K: +14 points
- $80K–$150K: +9 points
- $50K–$80K: +4 points
- Under $50K: +0 points

### 4. Owner Occupancy (0–15 points)
Owner-occupied properties convert dramatically better than rentals because the owner makes the decision and pays for the work. CurbSight infers owner occupancy by comparing the mailing address on the parcel record against the property address (matching addresses = owner-occupied).

Formula sketch:
- Owner-occupied (addresses match): +15 points
- Likely rental (addresses differ): +0 points
- Unknown: +5 points (neutral)

## Vertical-Specific Weighting

The four signals are weighted differently per vertical. The dashboard switches scoring models with a single setting.

- **Roofing:** Heavy weight on hail exposure and roof age. A 1925 home with 2.5" hail in the last 18 months will be near the top of the list.
- **Windows:** Heavy weight on year built (frame age) and financial confidence. Hail matters less.
- **Siding:** Year built + exterior material + condition. Hail is moderate weight.
- **Solar:** Financial confidence + roof orientation (south-facing) + property value. Hail is irrelevant; roof age is mildly negative (you don't want to install panels on a 20-year-old roof).
- **HVAC:** Year built (15+ years = peak system replacement age) + financial confidence. Storm data is irrelevant.

## What CurbSight's Scoring Does NOT Use

- **Credit data.** CurbSight does not pull credit scores or financial accounts. We use public assessed value as a proxy.
- **MLS data.** Active listings are not in scope. CurbSight is for prospecting, not real estate.
- **Self-reported homeowner data.** No surveys, no quiz funnels. Every signal comes from records or sensors.

## Score Bands

- **85–100 — Hot.** Top-tier prospect. Recent storm event, aging roof, owner-occupied, solid financials.
- **70–84 — Strong.** Worth knocking. Most signals positive but one weakness (e.g., older home but no recent hail).
- **55–69 — Mid.** Worth a flyer or postcard, lower priority for door-knock time.
- **40–54 — Cold.** Likely rental or recently updated home. Skip unless your team has time.
- **0–39 — Skip.** New construction, no storm exposure, low value, or rental.

## Why Composite Scoring Matters

Most lead-gen tools either give you raw data (a list of every house in a zip code) or a binary qualified/unqualified flag. CurbSight gives you a continuous score so you can stack-rank your day, hour by hour. Your highest-converting reps work the 85+ leads. Your trainees work the 70–84s. Your direct mail goes to the 55–69s.

This is the core reason CurbSight customers see higher close rates than they did with raw lists or shared marketplace leads.

## Customizing the Scoring Model

On Enterprise, you can adjust the weights and add custom signals (e.g., "boost properties within 5 miles of a recently-completed job"). Most customers run with the defaults for the first 90 days, then tune based on conversion data.

To request a custom scoring model, contact sol@curbsight.io.