Underwrite

The Fetch Underwriting API endpoint is designed to revolutionize the way you perform risk underwriting, by streamlining the process and providing results within seconds. Whether you're in insurance, finance, real estate, or any industry that requires swift and accurate risk assessment, our API can transform your operations by making underwriting more efficient and data-driven.

This core functionality of Fetch is a key tool for automating and enhancing your underwriting workflows. By inputting specific fields into the endpoint, you can receive an underwriting decision for a variety of risk types in a matter of seconds. Please note that the required fields may vary depending on the specific type of underwriting you're performing, ensuring that the output is tailored to your unique risk assessment needs.

Along with speed, our API offers precision and reliability. The endpoint uses advanced algorithms to process the provided data and produce accurate underwriting results. This allows your organization to make confident decisions based on dependable risk assessments, and respond more swiftly to market changes and customer demands.

Endpoints

POST /v1/underwrite/home
POST /v1/underwrite/home/:OrganizationId
POST /v1/underwrite/condo (coming soon)
POST /v1/underwrite/condo/:OrganizationId (coming soon)
POST /v1/underwrite/flood (coming soon)
POST /v1/underwrite/flood/:OrganizationId (coming soon)

Home

Filter all carrier

POST https://api.askfetch.com/v1/underwrite/home

Home details with in the HO3, HO5, HO8, DP1, DP3, Wind Only, and Wind-X products.

For best results all strings should be submitted lowercase.

Headers

Name

Type

Description

Authorization*

Bearer

Fetch API Key

Request Body

Name

Type

Description

state*

string

The state name (i.e. florida or fl)

policy_type

string

The type of policy. Accepted options: ho3, ho5, ho8, dp1, dp3, wind only, or x-wind. *Leave empty for all

county

string

The county (i.e. pinellas. Do not include the word 'county'). Will return an empty result if county does not belong to the state used in the state parameter.

dwelling_a

integer

A value that does not include commas

year_built

integer

The year home was built. Can be formatted as YYYY or YY

total_claims

integer

The total number of claims in the last 5 years.

water_heater_age

integer

The age of the water heater

hvac_age

integer

The age of the hvac system

roof_age

integer

The age of the roof. Can be formatted as 2019 or 4. This is required if roof_type is included in call.

roof_type

string

The material for the roof. Accepted options: architectural shingle, 3-tab shingle, slate, metal, tile, or flat. This is required if roof_age is included in call.

lapse_in_coverage

integer

The total days since coverage has lapsed

no_prior

integer

The total days since prior insurance

acreage

integer

The acreage of the property

protection_class

integer

Protection Class or PC give as just an integer

ownership

string

The ownership of the property. Accepted options: personal, trust, llc, or estate

usage

string

How the property is being used. Accepted options: primary, secondary, seasonal, rental, or vacant

primary_plumbing

string

The primary plumbing material used throughout the property. Accepted options: polybutylene, lead, cast iron, pex, or galvanized

primary_wiring

string

The primary wiring material used throughout the property. Accepted options: aluminum multi strand, aluminum with alumiconn, aluminum single, aluminum with copalum, cloth, or copper

structure_type

string

The structure of the building. Accepted options: single family, townhouse, duplex, triplex, fourplex, mobile home, manufactured, or log cabin

foundation_type

string

The foundation of the building. Accepted options: open or closed

{
    "code": 200,
    "total": 1,
    "data": [
        {
            "name": "Carrier Name",
            "website": "https://www.carrier-site.com/",
            "carrier_logo": "https://Url_To_Carrier_Logo.png",
            "type": "Carrier",
            "available_policies": [
                "HO3",
                "DP3",
                "DP1",
            ]
        }
    ],
    "message": ""
}

Example calls

curl --location 'https://api.askfetch.com/v1/underwrite/home' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer xxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxx' \
--data '{
    "policy_type": "ho3",
    "state": "florida",
    "county": "pinellas",
    "dwelling_a": 250000,
    "year_built": 1988,
    "total_claims": 0,
    "water_heater_age": 5,
    "hvac_age": 5,
    "roof_age": 5,
    "roof_type": "3-tab shingle",
    "lapse_in_coverage": 0,
    "no_prior": 0,
    "acreage": 1,
    "protection_class": 8,
    "ownership": "personal",
    "usage": "primary",
    "primary_plumbing": "pex",
    "primary_wiring": "copper",
    "dwelling_structure_type": "single family",
    "foundation_type": "open"
}'

var request = require('request');
var options = {
  'method': 'POST',
  'url': 'https://api.askfetch.com/v1/underwrite/home',
  'headers': {
    'Content-Type': 'application/json',
    'Authorization': 'Bearer xxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxx'
  },
  body: JSON.stringify({
    "policy_type": "ho3",
    "state": "florida",
    "county": "pinellas",
    "dwelling_a": 250000,
    "year_built": 1988,
    "total_claims": 0,
    "water_heater_age": 5,
    "hvac_age": 5,
    "roof_age": 5,
    "roof_type": "3-tab shingle",
    "lapse_in_coverage": 0,
    "no_prior": 0,
    "acreage": 1,
    "protection_class": 8,
    "ownership": "personal",
    "usage": "primary",
    "primary_plumbing": "pex",
    "primary_wiring": "copper",
    "dwelling_structure_type": "single family",
    "foundation_type": "open"
  })

};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
});

import requests
import json

url = "https://api.askfetch.com/v1/underwrite/home"

payload = json.dumps({
  "policy_type": "ho3",
  "state": "florida",
  "county": "pinellas",
  "dwelling_a": 250000,
  "year_built": 1988,
  "total_claims": 0,
  "water_heater_age": 5,
  "hvac_age": 5,
  "roof_age": 5,
  "roof_type": "3-tab shingle",
  "lapse_in_coverage": 0,
  "no_prior": 0,
  "acreage": 1,
  "protection_class": 8,
  "ownership": "personal",
  "usage": "primary",
  "primary_plumbing": "pex",
  "primary_wiring": "copper",
  "dwelling_structure_type": "single family",
  "foundation_type": "open"
})
headers = {
  'Content-Type': 'application/json',
  'Authorization': 'Bearer xxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxx'
}

response = requests.request("POST", url, headers=headers, data=payload)

print(response)

Home with Organization Id

This endpoint is created to retrieve and filter 'appointed' carriers tied to your organization in the Fetch system. Additionally, any custom carrier data entered will be filtered with this endpoint as well.

Your organizationID can be found in the Team's area here.

Filter appointed carriers and custom data

POST https://api.askfetch.com/v1/underwrite/home/{OrganizationId}

Home details with in the HO3, HO5, HO8, DP1, DP3, Wind Only, and Wind-X products. For best results all strings should be submitted lowercase.

Headers

Name

Type

Description

Authorization*

Bearer

Fetch API Key

Request Body

Name

Type

Description

state*

string

The state name (i.e. florida or fl)

policy_type

string

The type of policy. Accepted options: ho3, ho5, ho8, dp1, dp3, wind only, or x-wind. *Leave empty for all

county

string

The county (i.e. pinellas. Do not include the word 'county'). Will return an empty result if county does not belong to the state used in the state parameter.

dwelling_a

integer

A value that does not include commas

year_built

integer

The year home was built. Can be formatted as YYYY or YY

total_claims

integer

The total number of claims in the last 5 years.

water_heater_age

integer

The age of the water heater

hvac_age

integer

The age of the hvac system

roof_age

integer

The age of the roof. Can be formatted as 2019 or 4. This is required if roof_type is included in call.

roof_type

string

The material for the roof. Accepted options: architectural shingle, 3-tab shingle, slate, metal, tile, or flat. This is required if roof_age is included in call.

lapse_in_coverage

integer

The total days since coverage has lapsed

no_prior

integer

The total days since prior insurance

acreage

integer

The acreage of the property

protection_class

integer

Protection Class or PC give as just an integer

ownership

string

The ownership of the property. Accepted options: personal, trust, llc, or estate

usage

string

How the property is being used. Accepted options: primary, secondary, seasonal, rental, or vacant

primary_plumbing

string

The primary plumbing material used throughout the property. Accepted options: polybutylene, lead, cast iron, pex, or galvanized

primary_wiring

string

The primary wiring material used throughout the property. Accepted options: aluminum multi strand, aluminum with alumiconn, aluminum single, aluminum with copalum, cloth, or copper

structure_type

string

The structure of the building. Accepted options: single family, townhouse, duplex, triplex, fourplex, mobile home, manufactured, or log cabin

foundation_type

string

The foundation of the building. Accepted options: open or closed

{
    "code": 200,
    "total": 1,
    "data": [
        {
            "name": "Carrier Name",
            "website": "https://www.carrier-site.com/",
            "carrier_logo": "https://Url_To_Carrier_Logo.png",
            "type": "Carrier",
            "available_policies": [
                "HO3",
                "DP3",
                "DP1",
            ]
        }
    ],
    "message": ""
}

Example calls

curl --location 'https://api.askfetch.com/v1/underwrite/home/{OrganizationId}' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer xxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxx' \
--data '{
    "policy_type": "ho3",
    "state": "florida",
    "county": "pinellas",
    "dwelling_a": 250000,
    "year_built": 1988,
    "total_claims": 0,
    "water_heater_age": 5,
    "hvac_age": 5,
    "roof_age": 5,
    "roof_type": "3-tab shingle",
    "lapse_in_coverage": 0,
    "no_prior": 0,
    "acreage": 1,
    "protection_class": 8,
    "ownership": "personal",
    "usage": "primary",
    "primary_plumbing": "pex",
    "primary_wiring": "copper",
    "dwelling_structure_type": "single family",
    "foundation_type": "open"
}'

var request = require('request');
var options = {
  'method': 'POST',
  'url': 'https://api.askfetch.com/v1/underwrite/home/{OrganizationId}',
  'headers': {
    'Content-Type': 'application/json',
    'Authorization': 'Bearer xxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxx'
  },
  body: JSON.stringify({
    "policy_type": "ho3",
    "state": "florida",
    "county": "pinellas",
    "dwelling_a": 250000,
    "year_built": 1988,
    "total_claims": 0,
    "water_heater_age": 5,
    "hvac_age": 5,
    "roof_age": 5,
    "roof_type": "3-tab shingle",
    "lapse_in_coverage": 0,
    "no_prior": 0,
    "acreage": 1,
    "protection_class": 8,
    "ownership": "personal",
    "usage": "primary",
    "primary_plumbing": "pex",
    "primary_wiring": "copper",
    "dwelling_structure_type": "single family",
    "foundation_type": "open"
  })

};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
});

import requests
import json

url = "https://api.askfetch.com/v1/underwrite/home/{OrganizationId}"

payload = json.dumps({
  "policy_type": "ho3",
  "state": "florida",
  "county": "pinellas",
  "dwelling_a": 250000,
  "year_built": 1988,
  "total_claims": 0,
  "water_heater_age": 5,
  "hvac_age": 5,
  "roof_age": 5,
  "roof_type": "3-tab shingle",
  "lapse_in_coverage": 0,
  "no_prior": 0,
  "acreage": 1,
  "protection_class": 8,
  "ownership": "personal",
  "usage": "primary",
  "primary_plumbing": "pex",
  "primary_wiring": "copper",
  "dwelling_structure_type": "single family",
  "foundation_type": "open"
})
headers = {
  'Content-Type': 'application/json',
  'Authorization': 'Bearer xxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxx'
}

response = requests.request("POST", url, headers=headers, data=payload)

print(response)

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