The total solution for your property-valuation needs

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www.360-Value.com

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Insurers already use 360Value technology to conduct approximately one-third of all property replacement-cost estimates in the United States.

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The property information you use for replacement cost estimates needs to be robust and objective. In many cases, 360Value pre-fills property specific information to get the underwriting process started in the right direction. Additionally, you can use this data for other purposes including rating, catastrophe risk management, renewals, and more.

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360Values replacement cost estimates will help you better align your underwriting decisions with expected claims. It is the only replacement cost estimator that draws its building cost data directly from actual claims loss experience, helping you better manage your risk.

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With 360Value, the next generation of property valuation technology is here. 360Value is a leading edge solution built for forward thinking companies. It provides you the information you need, delivered how you want it. 360Value will help improve your business today and as your company grows.

A common platform for all replacement cost estimates, connectivity to property specific underwriting and hazard information, and a wide range of implementation options makes 360Value ideally suited to connect with a fully integrated underwriting environment. It also has the flexibility to stand alone. 360Value is future proof. You can be confident that your replacement cost estimates will always reflect the latest building cost changes. 360Value will continue to evolve to meet the underwriting demands of the future.

Fusing unparalleled data and advanced technology from Xactware and AIR Worldwide, 360Value gives you reliable replacement-cost estimates and property data in a highly connected environment. 360Value can help you improve your insurance-tovalue, underwriting decisions, and automated underwriting processes.

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The ISO PushPin database can prefill as many as 17 property characteristics into 360Value.

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the industrys most reliable building materials cost database, which contains data used to settle the majority of insurance claims in the United States cost localization down to the five-digit ZIP Code level a proven cost-modeling methodology that makes reliable estimates with minimal information needed from the user a database of property specific information on more than 70 million U.S. residential properties

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Exceptionally easy to use, 360Value provides you true component-based replacement-cost estimates for residential, commercial, and agricultural properties based on:

integrated underwriting information from ISO improved interaction with policyholders insurance-to-value portfolio analyses analytics to manage workflow and evaluate results easily integrated catastrophe risk analysis implementation options designed to meet your needs

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360Value can also help you enhance your capabilities and competitiveness with:

Reliable replacement-cost estimates

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Cost localization down to the five-digit zip code

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Matching the front-end valuations with the backend claims protects your policyholders and is good for your company. In the event of a total loss, consistency between underwriting and claims means no surprises for you or your policyholders.

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When analyzing a risk, 360Value first scrubs the address and geocodes the location. This process is important for location-specific underwriting data and reliable replacement-cost estimates. For example, construction quality and rebuilding costs can vary widely across neighborhoods. To account for variations across ZIP Codes, 360Value replacement-cost estimates are localized to a five-digit ZIP Code level.

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Building-costs data based on actual claims experience Simply put, the building-cost data behind 360Value is the best in the industry. 360Value bases its replacement-cost estimates on the methodology and database of Xactimate, Xactwares industry-leading property claimsestimation system. The Xactimate system is used by more claims adjusters than all other claims-estimation systems combined.

ISO PushPin prefills specific and detailed information on key building features used in replacementcost estimation. All property data provided by ISO PushPin undergoes a thorough quality-assurance process. 360Values second-to-none building cost data by Xactware, objective pre-filled property data from ISO PushPin, and advanced cost modeling from AIR will provide you streamlined estimates you can count on.

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360Value is a component-based replacement cost estimator for residential commercial and agricultural properties. 360Value draws upon proven data and methodologies from Xactware and AIR to help you efficiently develop reliable estimates.

Objective property data means more reliable estimates

Not only do reliable replacement-cost estimates need the best cost data in the industry, they also need reliable data about the individual properties you are underwriting. 360Value provides the property data you need with ISO PushPin, a database of objective residential property information for more than 70 million properties in the United States.

AIRs advanced cost modeling even makes it possible to calculate reliable replacement-cost estimates with minimal inputs. Of course, the more data you enter, the more refined the estimate becomes.

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Sophisticated modeling that enables reliable estimates with minimal information

User proficiency in no time

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Access to a wealth of ISO location-specific underwriting data is available from the 360Value results page.

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one- to four-family residences high-value homes commercial structures agricultural structures condominiums (bare walls and upgrades) manufactured homes (mobile homes)

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Because simplicity spawns efficiency, 360Value provides a standard, highly intuitive user interface for all valuations. With it, you can estimate replacement costs for:

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In addition to providing objective property information, the ISO PushPin database simplifies your agents data-collection process. Using ISO PushPin prefilled data, your agents can confirm basic property information with the customer, rather than collect it from scratch. Theyll be able to spend more time gathering the finer details of the home, which will result in a more refined replacement-cost estimate.

360Value is exceptionally easy to learn and use. Agents, underwriters, and others involved in your underwriting process will be proficient in no time. Features are also built into 360Value to help users quickly calculate a replacement-cost estimate with unparalleled ease.

This highly intuitive interface helps your users learn quickly, enabling you to more easily crosstrain your agents and underwriters to quote multiple lines of business. The comprehensive, context-sensitive help system and online tutorial make training virtually effortless. Jump-start the valuation process

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Assess catastrophe risk at the point of underwriting

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360Value allows you to collect property data specifically for individual residential risk catastrophe analysis.

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Other location-specific hazard information for hurricane, earthquake, severe thunderstorm, and flood is also available to help you manage catastrophe risk.

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Knowing the catastrophe risk of individual residential properties can have a significant effect on your underwriting decisions. Pricing, coverage limits, deductibles, and even issue/decline decisions may be dependent on the catastrophe risk of the individual property. Thanks to a direct connection between 360Value and AIR Worldwides industrystandard catastrophe models, you can instantly determine the probabilistic catastrophe risk of the property before its underwritten.

A single interface for other underwriting information

Public Protection Classification (PPCTM) Program LOCATION Crime Service LOCATION Wind Services California Brush Fire Service FireLineTM Premium Tax Service Building Code Effectiveness Grading Schedule California Department of Insurance Earthquake Zone Service

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Typically, as you incorporate more third-party data into your underwriting decision process, managing that data gets increasingly difficult. 360Value makes the process easy by bringing the most common risk-specific underwriting information into a single interface. Input the address once, and you can get information from:

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Involving the policyholder can produce more reliable replacement-cost estimates and increases touch points with your customers, providing better client service.

Enhance your insurance-to-value

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Sometimes you need to take a fresh look at the insurance-to-value of your existing homeowners portfolio. In conjunction with regularly updated Xactware building-cost data and property data from the ISO PushPin database, 360Values insurance-to-value portfolio analyses can help you determine if your companys portfolio is insured to value. If so, the analyses can identify which specific properties are likely not insured to value and tell you by how much.

If 360Value identifies a property as underinsured, you can work with agents or directly with policyholders to update the property information and adjust Coverage A. Doing so will better protect your policyholders in the event of a total loss and ensure your portfolio is insured to value.

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Implementation options designed to fit your needs

Implementing a new system into your workflow may seem like risky business, but ISOs property-valuation implementation team ensures a smooth transition and a better solution in the end. We work with you to determine which of our numerous implementation options best suit your underwriting workflow and information technology needs. Web links, web services, our user interface, or yourshowever you want to do it, its no problem.

For more information

Visit us at www.360-value.com. To get in touch with a salesperson, call us at 800-424-9228 for Xactware or 617-267-6645 for AIR Worldwide. Or send an e-mail to 360valueinfo@360-value.com.

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Improve relationships with your prospective policyholders by involving them in the property-valuation process. Collaborating directly with your agents or CSRs, property owners can verify and approve their individual property information through a secure link to their property profile in 360Value. The agent or CSR can then review the changes and recalculate the estimate before it is used for underwriting.

Use XactAnalysis to assign, track, and view reports on valuations completed using 360Value.

Valuation requests can be sent to agents, staff, inspection companies, or others. Once a valuation has been assigned, it can be tracked. Real-time reporting allows managers to monitor response times and view trending reports. Using XactAnalysis to send, track, and report on valuation assignments brings a whole new level of efficiency and precision to the underwriting workflow.

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Improve relationships with policyholders

Easily manage workflow and evaluate results

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z07208 (02/08)

ISO Properties, Inc., 2008. ISO, the ISO logo, and LOCATION are registered trademarks and 360Value, FireLine, and PPC are trademarks of ISO Properties, Inc. Xactware, XactAnalysis, Xactimate, and XactValue are registered trademarks of Xactware Solutions, Inc. All other product or corporate names are trademarks or registered trademarks of their respective companies.

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