Playbook · Insurers, surety & contractor-credit underwriting
The underwriting playbook
You underwrite and monitor contractors. A permit record shows what a contractor actually builds — volume, value, velocity — and the AZ ROC roster shows whether they’re licensed, clean, and current. This turns that into an underwriting signal and a monitoring feed, so a revocation or an activity drop reaches you before your exposure does.
Spot-check a contractor now; a portfolio feed is a scoping call away.
The daily loop
- 1
Pull the contractor
Every AZ ROC contractor carries license status and classification, issue and expiration dates, disciplinary history (suspensions and revocations), presence on the unlicensed-violator list, and — where they pull permits — volume, permitted valuation, project mix, and velocity. Each field carries source lineage back to the originating filing, so a decision is traceable.
- 2
Read the risk
A license that’s lapsed, suspended, or revoked; a name on the unlicensed-violator list; a disciplinary action; or a sharp drop in permit velocity — an early financial-stress or wind-down signal that often moves before the financials do.
- 3
Set a watch on your book
Track the contractors you’ve written and get flagged the day a license nears expiry, a new disciplinary action posts, or activity falls off — surfaced in the feed rather than waiting for an annual review.
- 4
Scale to a portfolio feed
For a full book, the nightly data feed — bulk file or a Snowflake/BigQuery share — delivers the same signals across every contractor, with a freshness SLA, a dedicated contact, and source lineage for auditable decisions.
Aim it right
What each decision looks at
Underwriting is a lookup, not a lead search. Pull the contractor, read the signals for the decision in front of you, and set a watch for the life of the exposure.
| When you underwrite… | Read the… |
|---|---|
| Surety bonds | License validity, disciplinary history, and permit velocity as a capacity read |
| GL / WC insurance | License validity and the unlicensed-violator check before binding |
| Contractor credit / net terms | Velocity trend and disciplinary posture over the term |
| Portfolio monitoring | All signals, every contractor, refreshed nightly via the data feed |
What to look for
The signals that separate a call from a waste of a call
- License status
- Active, lapsed, suspended, or revoked — the baseline validity check, and a status that can change between annual reviews.
- Disciplinary history
- Suspensions and revocations on the ROC record — a conduct-and-claims signal from the public file, not an inference.
- Unlicensed-violator presence
- The contractor has been found operating without a license. A standing red flag worth catching before terms or coverage go out.
- Permit velocity
- A sharp drop in permit pace can precede financial stress or wind-down — and it often moves before it shows up in a filing.
- Project mix & valuation
- The size and type of work a contractor actually takes on, versus what they’re bonded or rated for — a mismatch is a signal.
Power moves
Once you’re past the basics
Pull license status, disciplinary history, and the unlicensed check before you write — a 30-second look that closes a known gap.
A daily watch surfaces a revocation or a stall the day it happens, not at the next review cycle when the exposure has already run.
A contractor’s permit pace often moves before their financials — a stall is an early warning worth acting on.
Each record carries lineage to the originating ROC filing, so an underwriting decision is documented and defensible.
For portfolio-wide monitoring, bulk or warehouse delivery covers every contractor — and we’ll scope a sample against a slice of your book before a full agreement.
What you’ll see on every lead
AZ ROC license number, status, class, and issue/expiration dates — statewide, refreshed on the ROC’s cadence.
Suspensions, revocations, and presence on the unlicensed-violator list — the conduct record from the public file.
Volume, permitted valuation, project mix, and velocity over time for contractors who pull permits across the metro.
Every field traces to the originating filing, so a decision is auditable — not a black box.
Straight about the data
What we won’t oversell
- PlumbIntel is not a consumer reporting agency and its data is not a consumer report subject to the FCRA. Flags are signals for review — never a coverage or eligibility decision — and you remain responsible for how the data is used in your underwriting.
- The contractor roster and disciplinary / unlicensed overlays are statewide Arizona (AZ ROC); permit depth is eleven Phoenix-metro cities plus Maricopa County, expanding.
- A contractor is resolved to permit activity on 42% of all permits and about 68% of the ones that name a contractor — every link carries a match-confidence badge and source lineage.
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