Free COPE reports for any commercial property.
Type an address. In about a minute you get the COPE data underwriters need (construction, occupancy, protection and exposure) plus permit history and FEMA flood and hazard data, each value linked to its source and ready to export as an SOV.
- $0, no credit card
- 100 reports every month
- Unlimited exports & edits
- Year built
- 1987[1]
- Construction
- Masonry non-combustible[1]
- Building area
- 48,200 sq ft2 values[1,2]
- Stories
- 2[2]
- Roof year
- 2019[3]
- Sprinklered
- Yes[2]
The price of the plan almost everyone uses. No card on file, ever.
Reports per user, every calendar month. Resets on the 1st.
From address to a cited report with permits and hazard data.
The four things an underwriter asks for, already filled in
- Year built & effective year
- ISO construction class
- Stories, area, buildings
- Roof covering & roof year
- Foundation
- Current use & property type
- Units
- Pools, fitness, tennis, parking
- Amenities
- Owner & parcel record
- Sprinklers & fire alarm
- Security features
- ISO Public Protection Class
- Fire district
- Nearest fire station & distance
- FEMA flood zone & FIRM panel
- Distance to nearest SFHA edge
- Ground elevation
- Distance to water
- 18 National Risk Index hazards
Permit history
Every permit we can find for the address, with dates and categories, rolled up into roof, electrical, plumbing and heating update years.
Citations, not guesses
Each value links to the page or API query it came from. When two sources disagree, you see both.
Exports that fit your workflow
A Statement of Values workbook, permit history as CSV, and a print-ready underwriter report.
Authoritative public records, queried live
Hazard data is pulled directly from federal services at the moment you run the report. Building and permit facts are researched from assessor records, permit systems and listings, and only kept when a source states them for that exact address.
- FEMA National Flood Hazard Layer
- Flood zone, SFHA status, base flood elevation, FIRM panel & effective date, LOMRs
- FEMA National Risk Index
- Composite and per-hazard risk for the census tract and county
- USGS National Structures Dataset
- Fire and EMS stations, for nearest-station distance
- USGS 3DEP Elevation (EPQS)
- Ground elevation at the geocoded point
- USGS National Hydrography Dataset
- Nearest waterbody or named stream
- U.S. Census Geocoder
- Address matching and coordinates
- County assessor records & listings
- Year built, area, construction, owner, APN, lot, values
- Permit portals & permit histories
- Roof, electrical, plumbing and HVAC work, with dates
COPE data, explained
Practical guides to construction classes, statements of values, flood zones, the National Risk Index and permit history.
What is COPE data? A field guide for commercial property underwriting
What COPE data is, field by field: construction, occupancy, protection and exposure, where each value comes from, and how underwriters verify and use it.
ReadISO construction classes 1–6, explained with examples
Frame to fire resistive: ISO's six construction classes defined, how to spot each, the 66⅔% mixed-construction rule, and how IBC types map to them.
ReadHow to build a statement of values (SOV), column by column
What every column in a commercial property SOV means, where to find each value, the mistakes that cause coverage gaps, and a free SOV template to download.
ReadFree, and meant to stay that way
Is it really free?+
Yes. Every account gets 100 reports per calendar month at no cost, with no credit card and no trial period. Most users never need more. If your team needs higher volume, API access or SSO, contact us.
What counts as a report?+
Running a new address counts as one report. Re-running an existing report to refresh its data also counts as one. Viewing, editing and exporting reports you've already run are always free and unlimited.
Why do I need a work email?+
COPEData is built for insurance professionals. Requiring a company email keeps the free tier sustainable for the people it's meant for.
How accurate is it?+
Hazard data comes straight from FEMA and USGS services for the geocoded point. Building and permit facts are only filled in when a source states them for that exact address, and every value links to its source so you can verify it. Where sources disagree we flag the conflict instead of guessing.
Can I correct a value?+
Yes. Click any value to edit it. Your edits are marked, kept across re-runs, and flow into the SOV export and the underwriter report.
Run your first report free.
Sign up with your work email. 100 reports a month, no credit card.