Insurance companies
Room-level condition scoring and image analysis give you an objective, standardised basis for premium setting and claims risk assessment, not just what the register says.
Condition scoring
Vision Engine™ analyses uploaded property images and returns a standardised condition score for each area of the property: kitchen, bathroom, interior and exterior assessed separately.
Kitchen
C2
Good condition
Modern appliances, updated surfaces. No visible wear or damage. Low claims risk indicator.
Bathroom
C4
Fair condition
Dated fixtures, visible tile wear. Elevated moisture risk. Flag for review at renewal.
Interior
C3
Average condition
Standard finish, minor cosmetic wear. Consistent with age of building. Normal risk profile.
Exterior
C1
Excellent condition
Recently maintained. No visible damage or weathering. Lowest risk category.
Underwriting
Incorporate room-level condition scores into your premium models as structured input variables. Properties with elevated bathroom or moisture risk scores can be flagged, tiered or declined at point of application, automatically.
Portfolio review
At renewal, request updated images and re-score the property. Identify properties where condition has deteriorated since underwriting and adjust premiums accordingly, before a claim occurs.
Claims management
Establish a documented condition baseline at policy inception. In the event of a claim, condition scores provide objective evidence of the property's state before the incident reducing disputes.
Data quality
Official records rarely reflect actual property condition. A property built in 1960 may have been fully renovated last year or may be in serious disrepair. Condition scoring gives you the real picture.
Integration
Condition scoring is delivered as structured JSON via API and can be mapped directly to your existing variables. We provide documentation and mapping examples at onboarding.
REST API
Condition scores per room, overall property score, confidence indicator and raw feature flags. All returned as structured JSON, ready to feed directly into your premium calculation engine.
Image formats
Images can be submitted via API or uploaded in Nezto Pro. No specialist camera equipment required, standard smartphone photography produces reliable condition scores.
Data sources
Condition scoring works from images alone. When combined with market data, the output is enriched with building age, area characteristics and local risk context.
Vision Engine™ analyses uploaded images and returns condition scores per room: kitchen, bathroom, interior and exterior are assessed separately on a standardised scale. The results can be used as input to your own risk models to identify properties with elevated claims risk prior to underwriting or at renewal.
Yes. Condition scoring is delivered as structured JSON via API and can be mapped directly to your existing variables. We provide documentation and mapping examples for the most common premium model architectures at onboarding.
Nezto supports JPEG, PNG and HEIC for image analysis. Images can be submitted via API or uploaded directly in Nezto Pro. For market data, the platform aggregates sources such as SCB, Boverket and Lantmäteriet, as well as proprietary transaction data from broker partners.
Standard smartphone photography is sufficient for reliable condition scoring. The model is trained on a wide range of image quality levels. A confidence score is returned with each result, indicating where image quality may affect reliability.
Book a demo and see condition scoring run on real properties from your portfolio.
