Meet Capto.Your property risk assistant, always by your side.
Hey Capto is a property risk assessment tool for insurance professionals. The browser extension surfaces property facts, A–F hazard grades, and moratorium checks right inside the portal you already work in — then assembles the scores you choose into one documented report you manage from the Hey Capto portal.
Fifteen minutes of tab-hopping, or eight seconds in a sidebar.
Keep scrolling to see what changes when the data comes to you.
Watch Capto analyze a property in real time.
An interactive preview of the extension — switch tabs, choose a sample property, and click any risk score to expand it. Runs on fictional demo data.
Every property tells a story. Capto reads it for you.
From first glance to final PDF, everything an underwriter needs lives in one panel.
The eight-second lookup.
Type an address and Capto returns property details, basic wildfire and flood grades, aerial imagery, and moratorium status — before your portal page finishes loading. Unlimited, on every plan.
Deep dives, only when you need them.
Hazard analysis, permit history, replacement cost, advanced wildfire and flood scores, Emergency Response Proximity, and our premium Advanced Aerial Analysis — each a few tokens, bundled for less. No report quotas, no surprise invoices.
PDF Reports fit for your workflow.
Every score you select compiles into one report — sourced, dated, graded, and carrying the full depth of our data behind each grade. Download the branded PDF for the underwriting file, or open the same report interactively in the Hey Capto portal, where you can click any section and ask Capto about it.
An assistant that has already read the file.
Capto opens with a plain-language summary of the property and answers follow-up questions in context — exposures, roof concerns, what to verify before binding. It supports the decision; it never makes it.
Also in every lookup
Search
Enter an address — details, grades, and alerts in seconds.
Analyze
Order the deep-dive reports you need, paid in tokens.
Decide
Ask Capto, export the PDF, make the call.
Every report documented for underwriting review, audit support, and file retention.
Seven individual analyses plus two money-saving bundles. Each sourced, graded, and documented.
Full Hazard Analysis
3 tokensAll perils in one report: wildfire, flood, crime, earthquake, environmental, wind, hail.
Replacement Cost Estimator
3 tokensEstimated rebuild cost with local labor rates and regional cost index.
Advanced Aerial Analysis
16 tokensOur deepest report. High-resolution aerial imagery analyzed for roof age, material, condition, and prior damage — the detail that decides a roof claim or a binding call, without a truck roll.
Built for regulated environments.
Insurance runs on documentation. So does Capto.
Tenant isolation
Your organization’s lookups and analyses are never visible to anyone outside it.
Full audit trail
Every lookup, report purchase, and download is logged and reviewable.
Quarterly bias testing
Scoring is tested for consistency across regions and property types.
NAIC Model Bulletin aligned
Every score is sourced, dated, and documented for regulatory transparency.
Capto supports underwriting decisions — it never makes them. No binding recommendations, no coverage advice, by design. Compliance documentation available on request.
Built by insurance operators who got tired of opening six systems to review one risk.
Hey Capto was born from years of working alongside underwriters and agents who spent fifteen minutes per property pulling data from different systems, cross-referencing scores, and manually building reports. We knew there had to be a better way.
Every data point in Capto earns its place. We were tired of wading through pages of bulk data exports just to find the handful of facts that actually move an underwriting decision — so Capto surfaces only what matters, grades it, and leaves the noise behind. Every score uses letter grades because that is what carriers require; every disclaimer exists because a compliance team told us it matters. This is not software built by people who read about insurance — it is built by people who live it.
Missing a data point you need? We’ll source it.
We already pull from a deep stack of property, hazard, permit, and imagery sources — and every score you select lands in the downloadable PDF report, fully documented. If your workflow needs a data point we don’t surface yet, tell us and we’ll work to add it.
Plans that scale with your team.
Every plan includes unlimited property lookups, moratorium alerts, and unlimited Capto Answers.
Quick answers.
Stop tab-switching. Start underwriting.
Install the extension, sign in, and run your first property lookup in under two minutes.