# Cape Analytics

> AI\-powered property intelligence using geospatial imagery and computer vision for insurance and real estate

## At a glance

| Field | Value |
| --- | --- |
| Category | AI & Automation |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Palo Alto, California |
| Founded | 2014 |
| Stage | Established |
| Employees | 51-200 |
| Funding | Acquired |

## Overview

Cape Analytics (stylized as CAPE Analytics) is a pioneer in AI-powered property intelligence, using geospatial imagery, computer vision, and machine learning to deliver instant, address-level property risk assessments for insurance carriers, reinsurers, financial institutions, and real estate stakeholders. Founded in 2014 by Ryan Kottenstette and Suat Gedikli, the company has built a proprietary platform that analyzes aerial and satellite imagery to extract detailed property characteristics and condition data at scale.

The platform covers over 110 million unique structures across the United States, Canada, and Australia. CAPE's Roof Condition Rating (RCR) is widely regarded as the gold standard AI-powered roof condition assessment, trusted by more than half of the top insurance carriers in the U.S. and approved for ratemaking in over 39 states.

In January 2025, Cape Analytics was acquired by Moody's Corporation (NYSE: MCO), integrating its geospatial AI capabilities with Moody's industry-leading catastrophe risk modeling and Intelligent Risk Platform. The acquisition positions CAPE within Moody's Insurance division alongside RMS and Praedicat, creating a comprehensive property risk analytics ecosystem.

## Products & services

### CAPE Home Property Intelligence

AI-powered property intelligence platform for personal lines insurance, providing instant, inspection-quality property data for underwriting, rating, and coverage decisions. **Modules:**

**Key features:**

- Core Module \- Property characteristics and attributes
- Property Condition Module \- Roof and structure condition assessment
- Roof Value Module \- Roof replacement cost estimates
- Liability Module \- Liability risk factors \(pools, trampolines, yard debris\)
- Roof Condition Rating \(RCR\) \- 5\-point scale assessment with reason codes
- Change detection for renewal monitoring
- Wildfire, wind, and hail risk assessment
- Instant delivery via API or web application

*Target users:* P&C Carriers, Underwriters, Actuaries

### CAPE Commercial Property Intelligence

AI-powered commercial property intelligence designed to automate underwriting workflows for small commercial, habitational, and mid-market properties.

**Key features:**

- Structure count and parcel analysis
- Paved area deterioration detection
- Commercial roof condition assessment
- Batch processing for portfolio analysis
- Application time reductions up to 80%

*Target users:* Commercial Lines Carriers, Underwriters

### CAPE Real Estate Intelligence

Property condition analytics for real estate, mortgage, and financial services stakeholders, providing inspection-quality data from aerial imagery.

**Key features:**

- Automated Property Condition Report \(aPCR\) via API or PDF
- Liquidity Score predicting home liquidity
- Unique Location Factors \(proximity to highways, water, views\)
- Neighborhood and zip\-code level condition data
- AVM outlier error reduction of 8\.6%

*Target users:* Lenders, Servicers, Real Estate Investors, Asset Managers

### CAPE Weather Risk Intelligence

Property-level weather and hazard risk assessment combining geospatial analytics with weather data.

**Key features:**

- Wildfire risk scoring and vegetation proximity analysis
- Wind vulnerability assessment
- Hail exposure evaluation
- Property\-specific hazard data

*Target users:* Carriers, Reinsurers, Risk Managers

### CAPE Access

Data delivery and distribution platform for enterprise customers to access CAPE property intelligence.

**Key features:**

- Enterprise data access portal
- API integration
- Batch data delivery

*Target users:* Enterprise Clients, Data Teams

## Category & focus

- Subcategories: Property Intelligence, Geospatial Analytics, Risk Assessment, Underwriting Data
- Insurance verticals: P&C
- Target customers: Carriers, Reinsurers, MGAs, Financial Institutions

## Notable customers

- Hippo Insurance
- Amica Insurance
- State Auto Insurance
- Kin Insurance
- American Integrity Insurance
- Mercury Insurance
- The Philadelphia Contributionship
- Florida Peninsula Insurance
- Western Mutual
- The Hartford

## Links

- Website: <https://capeanalytics.com>
- Directory profile: <https://insurtechlist.com/companies/cape-analytics/>
- Resources: <https://capeanalytics.com/resources/>
- Insurance solutions: <https://capeanalytics.com/insurance/>
- Commercial solutions: <https://capeanalytics.com/commercial/>
- Real estate solutions: <https://capeanalytics.com/real-estate/>

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*Last updated: 2026\-03\-25*