Permit Data Tells You
What Was Filed.
We Show You What's Installed.
The Vcita Verified Property Records is the only field-verified, photo-documented, QR-authenticated asset profile in Florida. It doesn't replace your systems - it plugs into them.
Built for insurance carriers, underwriters, agents, and property managers who need verified truth - not just permit records.
$0
Avg. redundant re-inspection cost per property
Source: Industry avg.
0min
Underwriter time per submission on manual data
Source: Perceptive Analytics
0%
Of reports have quality defects requiring rework
Source: Boost USA
0%
Manual data transcription error rate
Source: Regure
Carriers Are Paying Twice for Less Accurate Data
The homeowner pays for an inspection. Then the carrier pays to send their own inspector - who takes worse photos, with less detail, and the underwriter still has to re-key everything manually.
$150-$300 per redundant re-inspection
Carriers outsource their own property inspection even after the homeowner already paid for one. That's $150-$300 per property that produces a less detailed result than the original inspection.
Multiply by 1,000 properties/month = $150K-$300K in redundant spend.
40+ minutes of manual data entry per submission
Underwriters spend 30-70% of their day re-keying data from PDFs into systems. At $65/hour fully-loaded cost, that's $43 of underwriter time wasted per report - before they even assess risk.
Industry research: underwriters spend only 30% of their day on actual underwriting.
60-70% of reports have quality defects
Missing photos, vague descriptions, unverified data, inconsistent formats. Each defect creates rework, delays decisions, and increases exposure to mispriced policies.
3-5% manual transcription error rate compounds across thousands of records.
The bottom line?
Carriers are spending millions annually on redundant inspections, manual data entry, and rework caused by inconsistent reports - while the original inspection already captured everything they need. They just don't trust it. The VPR changes that.
BuildFax Shows the Permit.
We Show the Product.
BuildFax tells you a permit was pulled for a new roof in 2019. We show you the GAF Timberline HDZ that was actually installed, the condition of the drip edge, and the data tag with serial number - verified by a licensed inspector with photos.
BuildFax / Permit Records
What carriers already use
BuildFax leverages 84 billion data points from public records - an excellent foundation. But permit data alone can't tell you what's actually on the property today.
Vcita VPR adds this layer
What we plug in on top
The VPR doesn't replace BuildFax - it completes the picture with verified field truth that permit data can't provide.
"Permit data + field-verified asset data = the complete underwriting picture."
BuildFax is the foundation. The VPR is the verified layer on top. Together, they eliminate guesswork.
Not a Snapshot. A Living Record.
Traditional property data is frozen in time. A permit record from 2019 tells you nothing about whether that roof survived Hurricane Ian, or whether the HVAC was replaced last summer.
The VPR is a living document. When a homeowner replaces a system, we update the record. When renewal season comes, carriers see what's there today - not what was permitted years ago. Annual renewals at 50% off keep the record current.
Field-Verified Today
Every system inspected and photographed in current condition - not as it was when permitted
Annual Renewal Updates
Properties re-verified annually at 50% off. Carriers always have current data for renewal decisions
Change Tracking
System replacements, upgrades, and condition changes documented over time - a property's maintenance history
Water Heater Installed
50-gal Rheem PROE50 T2, electric, permit PLB-2021-076532
HVAC Replaced
3-ton Carrier 24ACC636A003, 16 SEER, permit MEC-2022-029845
Roof Re-Done
GAF Timberline HDZ, 130 mph wind rating, permit BLD-2023-041892
VPR Generated
All 5 systems field-verified, 15 photos, AI summary generated
Annual Renewal
Re-verification scheduled - 50% off renewal rate
We Plug Into Your Existing System
No system replacement. No workflow changes. No IT project. The VPR delivers structured data that feeds directly into what you already use.
Carrier-Ready Export
Structured data that maps to your underwriting fields. No PDF parsing, no re-keying. Your system ingests it directly.
Secure Share Links
Agents and underwriters access VPRs instantly via secure link - no email attachments, no 'I'll fax it Monday.' 24/7, any device.
QR Verification
Every VPR has a unique code. Anyone can verify authenticity online in seconds. Tamper-proof, digitally sealed at generation.
API Access (Enterprise)
REST API for bulk VPR retrieval, webhook notifications on new records, batch portfolio queries. Your systems stay in control.
AI Underwriter Summary
Every Premium/Enterprise VPR includes an AI-generated executive summary with risk scoring and priority actions - saving 30+ min per review.
Secure Network
SOC-compliant infrastructure. Encrypted at rest and in transit. Role-based access. Audit trail on every view and download.
How VPR Fits Your Existing Workflow
Homeowner orders inspection
Vcita inspects & generates VPR
VPR data exports to carrier system
Underwriter reviews in their platform
No new software to learn. No workflow changes. Your team works in the same systems they use today.
What a Trusted VPR Saves Per 1,000 Properties
When carriers trust the VPR as the verified source of truth, redundant re-inspections disappear. Here's what the math looks like.
$150K-$300K
Redundant re-inspection costs eliminated
$150-$300/property x 1,000 properties
667 hours
Underwriter time saved on data entry
40 min/report x 1,000 reports
$43,000
Labor cost recovered
667 hours x $65/hr fully-loaded
650+
Defective reports avoided
65% defect rate x 1,000 reports
Total estimated savings: $193K-$343K per 1,000 properties
And that's before counting reduced claim exposure from better-verified data, faster underwriting decisions, and fewer E&O disputes.
From Inspection to Verified Record in Hours
No weeks of waiting. No back-and-forth. The VPR is generated live during the inspection and available on a secure network the same day.
On-Site Inspection
Licensed inspector arrives at the property. Every major system - Roof, Electrical, Plumbing, HVAC, Water Heater - is physically inspected, photographed, and documented. Data tags are captured. Multi-unit properties get each unit tracked separately.
VPR Generated
Photos are AI-analyzed for quality and consistency. Permit data is cross-referenced with public records. The VPR is assembled with structured data, verification codes, QR authentication, and an AI underwriter summary (Premium/Enterprise).
Delivered & Accessible
The verified record is immediately available via secure share link. PDF download ready. Carrier-ready data export available. Underwriters, agents, and property managers access it in real-time - no email, no fax, no waiting.
See a Real VPR
This is exactly what an underwriter receives. Click any photo to zoom in. All data below is sample data for demonstration.
Verified Property Record
421 Blackbird Way
Port Saint Lucie, FL 34953 - St. Lucie County
Verification Code
VPR-A3F9K2
Year Built
2005
Sq. Footage
2,847
Property Type
Single Family
Systems Verified
5
SAMPLE DOCUMENT - This is a demonstration of the Vcita Verified Property Record format
Roof System
Good - Recently Re-Roofed
Permit Number
BLD-2023-041892
Permit Date
08/14/2023
Permit Status
Verified Permit
Installation Quality
Professional
Year Installed
2023
Details
Asphalt/Fiberglass Shingle - ~3 yrs old
Verified On
03/22/2026
Inspector
Calvin Johnson (HI2622)
📷 3 verified photos: Overview · Close-Up · Data Tag
Electrical System
Good
Permit Number
ELE-2019-087341
Permit Date
03/05/2019
Permit Status
Verified Permit
Installation Quality
Professional
Year Installed
2019
Manufacturer
Square D
Capacity
200 Amp
Details
200 amp - Square D - QO Series
Verified On
03/22/2026
Inspector
Calvin Johnson (HI2622)
📷 3 verified photos: Overview · Wide Shot · Data Tag
Plumbing System
Good
Permit Number
PLB-2020-054219
Permit Date
11/18/2020
Permit Status
Verified Permit
Installation Quality
Professional
Details
Copper supply lines - PVC waste
Verified On
03/22/2026
Inspector
Calvin Johnson (HI2622)
📷 3 verified photos: Overview · Wide Shot · Close-Up
HVAC System
Good
Permit Number
MEC-2022-029845
Permit Date
06/22/2022
Permit Status
Verified Permit
Installation Quality
Professional
Year Installed
2022
Manufacturer
Carrier
Capacity
3 Ton
Details
3 Ton - Carrier - Electric
Verified On
03/22/2026
Inspector
Calvin Johnson (HI2622)
Inspector Note
System operating within manufacturer specifications. Condenser coils clean, refrigerant charge confirmed normal. All electrical connections tight.
Recommendation
Schedule annual preventive maintenance. Consider upgrading to a 16+ SEER unit at end of useful life for additional energy savings and potential insurance premium reduction.
📷 3 verified photos: Overview · Wide Shot · Data Tag
Water Heater
Good - Professionally Installed
Permit Status
No Permit on File
Installation Quality
Professional
Year Installed
2021
Manufacturer
Rheem
Capacity
50 Gallon
Details
50 gal - Rheem - Electric
Verified On
03/22/2026
Inspector
Calvin Johnson (HI2622)
Inspector Note
No permit on file with St. Lucie County for this installation. However, installation quality indicates licensed professional work - proper drain pan with discharge line, code-compliant T&P relief valve, correct clearances maintained, and all connections meet current Florida Building Code standards.
Recommendation
Recommend homeowner obtain after-the-fact permit to formalize installation record. Contact St. Lucie County Building Department at (772) 462-1553. Estimated cost: $75-150. This will strengthen the property record for future insurance and resale transactions.
📷 3 verified photos: Overview · Wide Shot · Data Tag
Scan to Verify
VPR-A3F9K2
Built for Every Stakeholder in the Chain
The VPR creates value at every step - from the homeowner to the underwriter.
Insurance Carriers
Eliminate redundant re-inspections. Receive structured, carrier-ready data with photo evidence and permit verification. Reduce underwriting time by 40+ minutes per submission.
Underwriters
Make faster, more confident risk decisions. Verified photos, permit status tracking, and installation quality assessments replace guesswork. No more re-keying data from PDFs.
Insurance Agents
Submit verified evidence with every policy. Permit status + professional install badges give underwriters confidence. Close policies faster with trusted data.
Homeowners
Prove upgrades and system condition to your carrier. Document professional installations even without permits. One verified record for insurance, resale, and peace of mind.
Banks & Lenders
Verified asset profiles de-risk mortgage decisions. Know the true condition and permit status of every major system before funding. Reduce post-close surprises.
Home Buyers
See exactly what you are buying - every system verified with photos, permit status, and professional quality assessment. Make informed offers backed by certified data.
Home Sellers
Pre-listing VPR proves your home's condition to every potential buyer. Professional install documentation and verified permits accelerate closings and protect sale price.
Property Managers
Track system conditions, permit compliance, and maintenance history across your portfolio. Annual VPR renewals keep records current for owner reporting and insurance.
Don't Inherit the Unknown
A savvy person wouldn't buy a home without knowing what's behind the walls. See what a VPR costs compared to what you didn't know can cost you.
$8,000 – $25,000
Aging or damaged roof? You won't know until it's too late.
$3,000 – $8,000
Federal Pacific, Zinsco, Challenger — safety hazards hiding in plain sight.
$2,000 – $15,000
Unverified repairs = uninsurable surprises.
$5,000 – $12,000
Past-lifecycle units fail when you need them most.
$2,500 – $5,000
Unpermitted = no warranty, no insurance coverage.
Priceless
A single undiscovered defect can void your claim when disaster strikes.
A VPR: Starting at $150
Compared to $8,000–$25,000 in undiscovered issues, a Verified Property Record is the smartest investment you'll make.This is what professionals use. This is what savvy buyers demand.
VPR Service Tiers
Order a Verified Property Record as a standalone product - no full inspection required. Choose the tier that fits your needs.
Standard
For homeowners who want a certified property profile.
- 5-system verified record
- Color photo documentation
- QR-verifiable digital report
- Secure share link (30 days)
- PDF download included
- Single property
Premium
For agents and carriers who need a complete asset profile.
- Everything in Standard
- Multi-unit component tracking
- Carrier-ready data export
- AI underwriter summary
- Permanent share link (no expiry)
- Public records & permit verification
- Annual renewal at 50% off
- Priority same-day turnaround
Enterprise
For carriers and agencies with volume needs.
- Everything in Premium
- Bulk volume pricing (10+ properties)
- API access for system integration
- White-label branding option
- Dedicated account manager
- SLA-backed turnaround guarantees
- Portfolio dashboard & analytics
- Custom data fields per carrier
Stop Paying Twice for Less Accurate Data
Schedule a VPR pilot or request a sample for your team. See how verified property intelligence saves time, money, and risk - without changing a single system you use today.
Sources: Perceptive Analytics (underwriter time), Regure (transcription error rates), Boost USA (quality defect rates), BLS (underwriter compensation). All figures represent industry averages.