Fire Underwriting Survey (FUS) Integration with Modular Solutions
Accurate fire risk assessment is critical to underwriting. Fire Underwriting Survey (FUS), delivered through Verisk services, provides standardized fire protection grading and related data that directly informs underwriting decisions.
By integrating seamlessly with the Modular Solutions policy administration platform, FUS enables automated retrieval of fire protection grades, hydrant distance, and fire station proximity data at the point of quote. This ensures underwriting decisions are based on objective fire protection intelligence while reducing manual verification.
What is Fire Underwriting Survey (FUS)?
Fire Underwriting Survey (FUS) provides standardized fire protection ratings and data used by insurers to assess property-level fire risk.
FUS data includes:
- Fire protection grade
- Hydrant distance
- Fire station proximity
This information is commonly retrieved alongside property evaluations to inform fire risk assessment and rating decisions.
Key Fire Protection Data Provided by FUS
Fire Protection Grade: A standardized grading used to assess municipal fire protection.
Hydrant Distance: The measured distance from the insured property to the nearest fire hydrant.
Fire Station Proximity: Distance to responding fire station facilities.
These data points are structured and mapped directly into the underwriting workflow within Modular Solutions.
Fire Risk Assessment in Residential Underwriting
Residential underwriting requires accurate fire protection data to ensure properties are neither under-insured nor over-insured based on fire exposure. FUS supports insurers, MGAs, and brokers with programs by:
Ensuring coverage accuracy through standardized grading.
Maintaining premium integrity based on fire protection risk.
Reducing manual processes such as research and verification of municipal fire data.
Providing objective, consistent fire risk classification across portfolios.
Modular Solutions Integration with Fire Underwriting Survey (FUS)
Without integrated fire protection data, underwriting teams must manually research hydrant distances and fire grading, increasing friction and the potential for error. Modular Solutions integrates directly with FUS through third-party provider services, retrieving fire protection information automatically during the underwriting workflow.
How The Integration Works Between Modular Solutions & FUS
The integration follows a structured workflow connected to third-party provider services.
- Data Retrieval: When a property address is entered, the system queries the provider for fire protection data including hydrant distance and fire protection grade.
- Review & Verification: The returned information is presented within the underwriting interface. Underwriters can review and verify the fire protection details as part of the risk evaluation process.
- Recalculation & Updates: If property location details change, or if an underwriter triggers a refresh, the system retrieves updated fire protection information.
The system stores verified fire data at the policy version level, preserving manual reviews and preventing unnecessary overwrites.
Renewal Behavior & Data Preservation
The system does not automatically perform a fresh third-party call during renewal creation.
Instead:
- Existing verified fire protection data is copied forward to the renewal term.
- A fresh evaluation is triggered only if the risk address changes.
- Manual recalculation can be performed if updated fire data is required.
This approach protects data integrity, controls third-party API usage costs, and prevents unexpected premium changes due to unnecessary refreshes.
Key Features & Benefits of Integration Between Modular Solutions & FUS
- Automated retrieval of fire protection grades.
- Standardized hydrant and fire station distance data.
- Reduced manual underwriting research.
- Improved rating accuracy based on objective fire protection intelligence.
- Preservation of verified data across policy lifecycle stages.
- Controlled third-party data usage and cost management.
- Seamless integration within the Modular Solutions policy administration system.
Frequently Asked Questions About FUS Integration with Modular Solutions
What is Fire Underwriting Survey (FUS)?
FUS provides standardized fire protection grading and hydrant data used by insurers to assess property-level fire risk.
How does the integration between FUS and Modular Solutions work?
When a property address is entered, the system retrieves fire protection data from the third-party provider and maps it directly into the underwriting workflow.
Is FUS automatically called during renewals?
No. Verified fire data is copied forward at renewal. A fresh call is triggered only if the location changes or an underwriter requests an update.
Can underwriters override FUS information?
Yes. The system allows review and manual adjustments where necessary, preserving verified data at the policy version level.
How does FUS improve underwriting accuracy?
FUS provides standardized fire protection grades and hydrant data, supporting objective risk assessment and premium integrity.
Further questions?
If you’re an existing client, please reach out to your Customer Success Representative or submit a ticket.
If you’d like to learn more, please reach out to our team.