Shovels Shovels - Building permit and contractor intelligence

Property intelligence for insurance providers

Underwrite with verified property data, validate claims faster, and find new business based on real construction activity.

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TRUSTED BY INSURANCE TEAMS

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SOC 2 certification seal

Shovels is SOC 2® Type II certified

We meet the security and compliance requirements of enterprise insurance carriers. Our SOC 2 Type II certification reflects controls independently audited over a sustained period, not just a point-in-time snapshot.

Read more about our security practices →
USE CASES

What insurance teams can do with Shovels

01

Underwrite what was actually built

Permit records show exactly what was built, when, and by whom, giving underwriters a verified baseline for property risk.

  • Flag aging roofs and high-risk properties before a claim happens
  • Verify contractor licenses across the nation with standardized CSL data
  • Enrich COPE data with permit records and surface recent improvements that affect pricing
  • Refine portfolio pricing with permit activity layered by ZIP or county
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Underwriting view in Shovels — property detail with permit history

02

Generate insurance leads from permit activity

Reach contractors and homeowners the moment coverage decisions are made, so you can time your messages for maximum impact.

  • Create and segment lead lists by location, trade, permit type, or property profile
  • Target builders and contractors for general liability and workers' comp coverage
  • Reach homeowners and residents after renovations as high-intent prospects for home insurance and warranties
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Lead generation view — permit search filtered to recent residential permits

03

Verify claims against the permit of record

Claims data can be incomplete or inconsistent. Permit records provide an independent source of truth.

  • Flag unpermitted improvements before binding
  • Match claims to permit records by address and date
  • Identify discrepancies between reported work and actual permit activity
  • Run bulk permit validation after catastrophes to prioritize high-risk claims
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Claims verification view — permit record matched against claim

04

Close the revenue gap in your existing book

What's insured doesn't always match the actual property. Compare your records against real construction activity and find what's missing.

  • Match your book against permit activity to identify unenrolled properties
  • Surface builder customers whose activity exceeds current coverage
  • Expand revenue within your existing customer base
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Revenue-gap analysis — permit search filtered to additions and renovations

05

Sharpen catastrophe models with reconstruction data

After a major event, reconstruction activity determines how losses develop. Permit data provides a live view so reserves, contractor networks, and cash flow projections stay accurate.

  • Compare post-disaster permit volume to claims reserves to pressure-test your CAT models
  • Track rebuild timelines by ZIP to forecast cash flow
  • Monitor contractor activity to activate repair networks
  • Identify areas where rebuilding lags behind a CAT event
Catastrophe reconstruction illustration
DATA DELIVERY

Built for enterprise teams

API and data feed delivery

Fits your stack

Access our data via API, SFTP, Snowflake, BigQuery, or Databricks. Custom feeds are also available.

AI-classified permits

AI-classified permits

Clean, structured inputs out of the box. No raw text parsing required. Check out our data dictionary for details.

Twice-monthly data updates

Twice-monthly updates

Millions of new records (online and offline sources) are added each cycle to keep your data fresh.

COVERAGE

Coverage across the U.S.

We source data from thousands of jurisdictions online and offline through public records. New jurisdictions are added continuously based on market trends & customer demand, with coverage spanning all major metros and expanding rural markets.

Map of the United States with markers showing Shovels permit data coverage across the country

Related content

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Frequently asked questions

What data is included?

Shovels data includes building permits, contractor profiles, contractor state license (CSL) files, and property metadata including permit type, project description, valuation, dates, contractor information, and parcel ownership records.

How is it delivered?

You can access Shovels via our online platform, REST API, SFTP, or direct cloud integration with Snowflake, BigQuery, or Databricks. Contact us to discuss customized delivery options.

Is Shovels SOC 2 compliant?

Yes, we are SOC 2 Type II certified. Documentation is available on request.

Is Shovels a BuildFax alternative?

The core difference is what the data covers and how it's delivered. BuildFax tracks permits. Shovels tracks permits and the contractors who pulled them, including standardized state license (CSL) files across 37 states, so you can verify contractor credentials, not just construction activity. We deliver via modern API or direct cloud integration with no legacy batch formats and no long-term lock-in.

Do you have roofing-specific data?

Yes. We tag roofing permits using AI classification, which lets you query roof replacement activity by address, ZIP, or county. This is useful for risk banding, renewal triggers, and claims verification. Learn more about our roofing data by contacting us.

Do you cover rural areas?

Yes, and actively expanding. Our team targets rural and offline jurisdictions underserved by existing data providers. We also prioritize coverage based on customer demand. If you need specific jurisdictions, let us know.

Ready to underwrite what was actually built?

See how permit and contractor data fits into your underwriting, claims, and growth workflows.