50 items tagged ”Geocoding”

AI in P&C underwriting collects, analyzes, and evaluates large datasets to identify patterns that improve underwriting speed, accuracy, and risk assessment.

Learn what P&C insurance digital transformation means, where it delivers ROI (claims, underwriting, servicing), and the biggest challenges to plan for.

<p>When businesses across industries base decisions on partial datasets, key decision-making signals become disconnected, fragmented, and inconsistent. That’s why risk mitigation is most effective when it’s based on comprehensive location intelligence. Using authoritative location and <a href="https://www. smarty. com/articles/property-data"><u>property data</u></a>, businesses can make data-driven decisions that reduce operational, financial, and compliance risk. </p><p>To ensure their location intelligence stays accurate and contextualized, businesses can:</p><ul><li data-list-item-id="eaeff5332b1ab0e205f5cb62aea95c03b">Validate, <a href="https://www.

<p>Geocoding can seem as simple as putting money in a vending machine and making a selection. You submit an address, get coordinates back. In many instances, geocoding could be <i>that</i> straightforward. </p><p>In business processes, coordinates influence fraud checks, delivery routing, compliance processes, customer experience, and risk decisions across industries like insurance, healthcare, logistics, fintech, and ecommerce. </p><p>However, location signals are often too broad or "plausible.

Predictive analytics use artificial intelligence, machine learning, and statistical modeling to analyze large volumes of internal and external data in insurance.

For P&C underwriters, the future of underwriting isn’t just moving from paper to predictive models—it’s moving from processing information to interpreting it.

<p><strong>OREM, UT, Jan 27, 2026—</strong>Smarty®, an expert in address data intelligence, today announced a three-part release designed to help organizations turn messy, fast-changing location data into operational confidence. The January 2026 bundle introduces: 1) A brand-new parcel dataset, 2) Expands provisional address programs into core U. S. products, and 3) Upgrades Smarty’s International Geocoding engine—giving organizations more precision and more usable signals for automation at scale.

<p>Around the world, people celebrate Christmas in all kinds of ways. In <a href="https://www. smarty. com/global-address-formatting/iceland-format-examples"><u>Iceland</u></a>, it’s tradition to read books by candlelight on Christmas Eve. Christmas firework shows are a staple in <a href="https://www. smarty. com/global-address-formatting/el-salvador-format-examples"><u>El Salvador</u></a>. Families in <a href="https://www. smarty. com/global-address-formatting/australia-address-format-examples"><u>Australia</u></a> often spend Christmas Day playing cricket.

<p>Looking to build a direct mail marketing campaign? You’ve come to the right spot. </p><p>Before you can send marketing mail like a pro, you’ll need to build a list of verified addresses. Otherwise, frequent misdeliveries and costly redeliveries can take the wind right out of your campaign’s sails. On top of that, a bad address list could lead you to miss out on mind-blowing postal discounts. 😱</p><p>Don’t let bad addresses capsize your campaign. With a <a href="https://www. smarty. com/products/us-master-address-list"><u>US Master Address List</u></a> of over 210 million verified addresses—available by state, county, or nationwide—and shipshape <a href="https://www.

<p>For two days, Smarty users gathered together with other address data experts for Pinpoint, Smarty’s first virtual user conference, where developers, industry experts, and product specialists talked all things addresses and pulled back the curtain on address data solutions. </p><p>Attendees asked questions about cloud-based software, the impact of accurate address data on fintech and insurance companies, and the ROI of good address data across all industries. </p><p>Plus, attendees got to take a peek behind the scenes and see what makes Smarty’s address data solutions tick.

<p>If data is the lifeblood of your business, addresses are the veins that carry it. They connect every operation—from shipping to customer service to compliance. </p><p>Yet, address data is often overlooked until it breaks something expensive. </p><p>This post kicks off <a href="https://www. smarty. com/blog/tags/what-to-look-for-in-an-address-data-solution">our five-part series, <i>What to look for in an address data solution</i></a>—a practical guide to building a smarter, cleaner, and more reliable address data strategy.

<p><strong>November 2025 | 100% online | 100% awesome</strong></p><p>Join us this November for the Smarty Virtual User Conference, a two-day event packed with insights, tools, laughs, and $1000 worth of prizes. </p><p>This event is for you, whether you’re optimizing delivery accuracy, improving compliance, or just trying to figure out if your neighbor <i>really</i> has a breakfast nook. </p><h3><strong>What to expect:</strong></h3><ul><li><strong>2 days, 12 hours of content, zero fluff</strong></li><li><strong>Live sessions</strong> from address data pros</li><li><strong>Hands-on demos</strong> of Smarty’s latest tools and plugins</li><li><strong>Giveaways galore, </strong>like gift cards, swag, and even a chance at a massive LEGO set</li><li><strong>Hidden Easter eggs</strong> throughout the event (no, seriously—find them and win)</li><li><strong>An after-party with games</strong> (shoutout to Brady Amundson)</li></ul><h3><strong>Tailored tracks for every role</strong></h3><p><img src="https://d3jlqkabnnke2x.

<p>Most address validation tools give you a simple thumbs up or down on an address because it either matches or it doesn’t, right? </p><p>But what if you need more than just “valid” or “invalid” as a response? What if you could know <i>exactly</i> what part of the address is off, like a misspelled street name or an unconfirmed vanity city (like Hollywood), and why it isn’t considered valid?</p><p>What if part of an address needed to change in order to make it a mailable, valid address? </p><p>We think you’d want to know that, too.

<p><i>Dateline: Tuesday, 8:04 a. m. </i></p><p>In what experts are calling “the biggest location intelligence crisis since the discovery of space,” rooftop-accurate geocodes have officially gone on strike. </p><p>The high-precision coordinates—normally pinpointing locations down to the exact rooftop for deliveries, telecom installs, insurance claims, and analytics—appeared on Smarty TV and issued a short but cutting statement this morning:</p><blockquote><p><i>“We’re tired of being taken for granted.

<p>Your product might be HIPAA and ACA-compliant in theory, but a mistyped ZIP Code or invalid apartment number can still trigger privacy violations, eligibility errors, and failed mailings. Misdirected mail is explicitly named in HIPAA breach cases. </p><p>For example, the Health and Human Services (HHS) Office for Civil Rights (OCR) has publicly cited misrouted or misaddressed mail as a cause of HIPAA breaches in their <a href="https://ocrportal. hhs. gov/ocr/breach/breachreport. jsf" target="blank" rel="noopener"><u>breach portal</u></a>.

<p>Address verification is an essential tool that property insurance companies should use when analyzing risk. Perils are often associated with potential hazards located on or near a property, but they can also be tied to the general area a property is in. </p><p>Verifying addresses ensures that a policy falls within a covered area, which is vital for both an insurance company and their customers. </p><p>To start, the insurance policy premium needs to be priced for the property's actual location.

<p>We're happy to announce a recent partnership with EigenRisk, an insurance technology firm. Below, you will find the announcement <a href="https://www. eigenrisk. com/eigenrisk-partners-with-smarty/">they published on their site</a>:<br><br>ANN ARBOR, MI, December 05, 2024—EigenRisk®, a leading provider of catastrophe risk management solutions, today announced a new agreement with <a href="https://cts. businesswire. com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fwww. smarty. com%2F&amp;esheet=53975611&amp;newsitemid=20240507732640&amp;lan=en-US&amp;anchor=Smarty&amp;index=1&amp;md5=71a057dc6210a950fdd87b62a7aa0aa9&amp;gl=1*1vsry0n*gclau*MTk3Nzk5NTgxOC4xNzMwNzQ1OTAz*gaMTcwOTIwNTA1MC4xNzMwNzQ1OTAzgaZQWF70T3FK*MTczMDc0NTkwMi4xLjAuMTczMDc0NTkwMi42MC4wLjA.

<p>Property risk management is a systematic process that identifies potential hazards associated with a property to evaluate and mitigate the risk of potential ownership and/or investment issues. For residential and commercial real estate investors, asset managers, and operators, property risk management directly impacts projected NOI, insurance costs, insurance coverage, financing terms, and exit valuation. A single overlooked structural or environmental factor can erase years of anticipated returns.

<p>Nerds. </p><p>While programmers/coders/engineers are extremely clever, we've found they may not fully understand addresses. <br><br>Sure, they're ready to talk about variables, loops, arrays, the scope of stuff, callbacks, hosting, events, overloading, pattern matching, packets, elements, and more. But if you point out that most house numbering starts at "1" and not "0," their heads may explode. </p><p>We've worked with quite a few developers and helped them understand the facts around address data, beginning with our <i>own</i> engineers.

<p>84% of customers say the experience a company provides is as important as its products or services, according to a <a href="https://www. salesforce. com/news/stories/state-of-the-connected-customer-report-outlines-changing-standards-for-customer-engagement/">Salesforce report</a>. Over the past decade, the insurance market has become saturated with endless products and options. Buyers have adjusted and evolved in response to the buffet of insurance options, becoming more sophisticated and specific in what they need and want.

<p>Remember that phrase we all used in middle school, “Well if you love it so much, why don’t you marry it?” Well, we couldn’t agree more. </p><p>Address data and insurance claims have been partners in an ever-evolving landscape of technology and property for years. Insurance claims rely on geocoding to find the exact location, and property data is used to assess the property's condition and attached amenities before losses. </p><p>Efficiently deploying adjusters and accurately assessing damage is impossible without accurate address data.

<p>We had a sit-down with Smarty crew members, Caroline Roweton, Associate Product Manager, and Landon Fackrell, Software Engineer, and delved into Smarty's innovative new <a href="/articles/batch-address-validation-geocoding-excel">Excel plugin</a>. </p><p>This powerful tool makes address validation easier than ever, allowing users to clean and verify their address data directly within Excel. With a focus on simplicity and efficiency, Caroline and Landon talked about the features and benefits of the plugin, demonstrating how it can save time and enhance data accuracy without any need for coding.

<p>Insurance customers expect quick and customized service and immediate responses in their interactions. Smartphones, online transactions, and digital communications rule the world. </p><p>Yet, the policy issuance for insurance can be extremely slow and painful. This is due primarily to the fact that accuracy matters so much regarding customer data, and this data takes a while to curate and process. So, how do insurers streamline claims processing while maintaining the highest accuracy levels?</p><h3>Speed and ease go together</h3><p>The quick answer is "automation and digitization.

<p>Astronomers and astronauts are obsessed with accuracy. (We’re not hating. So are Smarty® pantses. )</p><p>And for good reason, too. If you're sending a rocket to some point in space when you're moving, your target is moving, and the rocket is going to be affected by gravity and solar dust, the math and accuracy could be the difference between millions of dollars wasted and, quite literally, life or death. </p><p>For accuracy reasons, Pluto was reclassified from planet to dwarf planet. And that's OK.

<p>For underwriting efficiencies and commercial insurance success, the accuracy and reliability of data are crucial. Accurate data improves the risk assessment process and optimizes the overall workflow, saving both time and money. Leveraging Smarty's high-quality address data solutions, precise rooftop geocoding, address verification with PUIDs, and address autocomplete provides a significant advantage in improving insurance underwriting processes. </p><h2>The significance of a single rooftop geocoding vendor</h2><p>Traditional geocoding cascades pose challenges.

<p><strong>Webinar recap:</strong> We recently hosted a webinar that featured a detailed demonstration of our <a href="/articles/batch-address-validation-geocoding-excel">Excel plugin for address validation</a>, showcasing its powerful capabilities. If you use Excel and need to validate addresses, this is for you. </p><h4>Introducing the Excel plugin</h4><p>Our Excel plugin is designed for simplicity and ease of use, allowing users to validate addresses without any coding skills. By highlighting a range of addresses, the plugin batches them, sends them to Smarty, and returns formatted data directly in the spreadsheet.

<p>The U. S. homeowner’s insurance segment is facing unprecedented challenges, marked by the worst underwriting results since at least 2000. According to <a href="https://news. ambest. com/pr/PressContent. aspx?refnum=34940&amp;altsrc=2">a recent report by AM Best</a>, the segment experienced a staggering $15. 2 billion underwriting loss in 2023, more than double the losses seen in the previous year. They credit this dramatic increase in insured losses primarily to population migration into areas where weather-related events occur more frequently, coupled with rising urbanization and development in regions susceptible to natural perils.

<p>Up until now, SmartyKey®, a persistent unique identifier for all 210+ million addresses in Smarty’s database, has only been available to customers who purchased <a href="/products/us-master-address-list">US Master Address List</a> or <a href="/products#:~:text=bad%20address%20data. -,Geocoding,-Effortlessly%20validate%20and">geocoding products</a>. We’re happy to announce that, as of today, it's also available at no extra cost with <a href="/products/us-address-verification">US Address Verification</a>.

<p>One of the most popular and successful movie franchises—by far—is George Lucas' Star Wars. The impact Star Wars has had on the culture of the United States and the rest of the world is incredible. <br><br>From 1977 on, Hollywood has been producing large, fantastical blockbusters packed with practical and computer-generated special effects. Movies have started being considered based wholly on the merchandise they could sell. Toy laser swords have been selling like hotcakes, and every child finds themselves secretly trying to turn off the light from their bed using the Force.

<p>PROVO, Utah, April 10, 2024 – <a href="/">Smarty</a>, the address data intelligence leader, announces today the launch of US Census Block and Tract Data, a set of updates to Smarty's US Address Enrichment solutions. US Census Block and Tract Data is a cloud-native solution that will allow organizations to append the geographic data found in U. S. Census Block and Tract information into accurately geocoded addresses. </p><p>Smarty’s US Census Block and Tract Data offers a simple and rapid solution for accessing essential geographic details such as Census Blocks, Tracts, location names, statuses, and additional Census ID information—mirroring the capabilities of the <a href="/articles/ffiec-geocoding">FFIEC Geocode</a> tool.

<p>In a recent webinar, Berk Charlton, Chief Product Officer at Smarty™, provided an in-depth look at our industry-leading address intelligence suite designed to provide highly accurate geocoding and address validation. </p><p>Here are the main points Berk covered during the session:</p><blockquote><p><strong>Comprehensive product suite</strong>: Smarty offers a wide range of products, including <a href="/products/us-address-verification">address validation</a>, <a href="/products/us-rooftop-geocoding">rooftop geocoding</a>, <a href="/products/international-address-autocomplete">global address auto-complete</a>, and <a href="/products/us-property-data">address data enrichment</a>.

<p>March 18 marks a bit of an awkward holiday: Awkward Moments Day. It's a day that celebrates those times that make you cringe, moments that make you face-palm, and stories that wake you up at 4 in the morning thinking, "Ugh! Why did I do that?" Although these moments can be uncomfortable, it's helpful to remember that everyone has them, and if they say they don't … We know they’re lying. </p><p>It's also helpful to remember that these embarrassing stories can help us learn and do better the next time around.

<p><strong>Webinar recap:</strong> In a recent webinar, we showed how address data tools help managers improve business performance in the following areas:</p><ol><li data-list-item-id="e3437de224f424dd4db54b165d09f884d">Network Planning</li><li data-list-item-id="ec04c69801a00e1e1b5f2f18b9be3763c">Asset Management</li><li data-list-item-id="eb514e1e10ce721297ddb7c7523017ea6">Customer Acquisition and Retention</li><li data-list-item-id="e2f2fcd4c9a7f99d50b6ad63ca596cdd6">Data Blending</li><li data-list-item-id="e114cea01972a1d8fc653444da45bf505">Mail and Parcel Delivery</li><li data-list-item-id="e75f120878ebda35faa58850c0f07e2b5">Fraud Reduction</li></ol><h2>1.

<p>In a world where the lines between digital and physical spaces blur, the health of our computers has a massive impact on our productivity and overall ability to perform well at work. </p><p>Clean Out Your Computer Day, observed on the second Monday of February, is the perfect opportunity to ensure that we declutter and optimize our virtual spaces. Just as we regularly clean our homes and offices, this day underscores the importance of maintaining a streamlined, efficient computer setup. </p><h2>The digital declutter: Where to start</h2><p>Starting with the basics, sift through your files and programs.

<p>In the fast-paced and competitive world of telecommunications, where high customer expectations and intense rivalry prevail, the strategic use of address data intelligence, including geocoding and address verification, is increasingly essential. For professionals in the telecom sector, understanding and utilizing these tools can significantly streamline operations, enhance customer satisfaction, and drive business growth. </p><p>This article delves into how <a href="/"><u>Smarty's</u></a> address data solutions address common pain points in the telecom industry.

<p><strong>December 18, 2023 - SAN MATEO, Calif. and PROVO, Utah </strong>– Guidewire (NYSE: GWRE) and Smarty™ announced that the new <i>Built by Guidewire</i> Smarty integrations are now available to <a href="https://marketplace. guidewire. com/s/product/smarty-us-rooftop-geocoding-claimcenter/01t3n00000SyBC2AAN?language=enUS"><u>ClaimCenter</u></a> and <a href="https://marketplace. guidewire. com/s/product/smarty-us-rooftop-geocoding-policycenter/01t3n00000SyBC7AAN?language=enUS"><u>PolicyCenter</u></a> Cloud users in the <a href="https://marketplace.

<h3>Software in the healthcare industry</h3><p>In our <a href="https://www. smarty. com/blog/address-affairs-causing-healthcare-hiccups">previous post</a>, we diagnosed the problems associated with having bad address data in the world of healthcare. If you would like to go over those again, or if you stumbled upon Post 2 before Post 1, you can read about those problems here. </p><p>In this second installment, you'll learn about the solutions to those problems from a software development standpoint.

<p>Geocoding is converting a physical address into geographic coordinates with latitude and longitude. Accurate geocodes are critical for many applications—routing deliveries, analyzing insurance risk, mapping utilities, and more. </p><p>In a recent webinar, Smarty's customer service specialist, Ben Rivera, outlined best practices for maximizing geocode accuracy using our APIs and tools. Here are some of the key takeaways:</p><h4>The problem of inaccurate geocodes </h4><p>Many common geocoding services provide ZIP Code or centroid-level accuracy at best.

<p>In the wake of disasters like catastrophic weather events, wildfires, and other incidents, the significance of property and casualty (P&amp;C) insurance claims agents and adjusters becomes essential. Their role is pivotal, yet often challenging, as they navigate the aftermath to assess damages, estimate repair or replacement costs, and process insurance claims. </p><p>Claims agents and adjusters often face difficulties deploying to areas affected by disasters and obtaining accurate information amid chaotic circumstances.

<p>August 22, 2023 - PROVO, Utah - <a href="https://cts. businesswire. com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fwww. smarty. com&amp;esheet=53543525&amp;newsitemid=20230822060689&amp;lan=en-US&amp;anchor=Smarty&amp;index=1&amp;md5=5e336486b3a86c1949b152817769707c">Smarty</a>, the location data intelligence leader, has secured its place as a finalist in the prestigious 2023 SaaS Awards program, competing in the category of Best SaaS Product for Shipping, Inventory or Vehicle Logistics. </p><p>Now celebrating its 8th year, the SaaS Awards continues to recognize and honor outstanding SaaS innovations from all corners of the world.

<p>Hey, web developers! Ready to enhance your address forms and provide a seamless user experience? In our new ebook, "Magical Benefits of Address Autocomplete," we explore valuable insights and implementation tips to transform your checkout and make address entry the easiest thing they'll do all day. <a href="https://www. smarty. com/ebooks/magical-benefits-of-address-autocomplete"><u>Click here to download the ebook and learn more</u></a>, or read on to get a preview of what the ebook offers.

<p>World Wide Web Day on August 1 celebrates the birth of the World Wide Web and its significant impact on modern society. </p><p>While the Internet and the World Wide Web are not the same (the Web refers to a web of linked pages via hypertext links while the Internet refers to the exchange of information by people on their own computers), the World Wide Web played a crucial role in making the internet accessible and user-friendly to the general public. </p><p>Let's explore how the advent of the Internet and the World Wide Web have improved address validation and geocoding.

<p>QGIS is an open-source GIS (geographical information system) platform that helps millions of users throughout the world map, visualize,and share geographic information. Use cases range anywhere from mapping water usage to selecting new retail store locations. It's a highly capable tool for GIS professionals, and it's free. </p><p>Because QGIS is open source, individuals and organizations are free to build and offer plugins to help users accomplish specialized tasks. This extensive library of plugins offers users a wide range of tools that allow them to build maps for very specific needs.

<h2>Smarty unveils unmatched QGIS geocoding accuracy with release of geocoding plugin - US address</h2><p><strong>PROVO, UT - June 21, 2022</strong> - Smarty, a leader in location data intelligence, announces today the release of their QGIS Geocoding Plugin for US Addresses to provide an easy way for users of the popular GIS software platform to validate, standardize, and convert addresses to their <a href="/articles/what-are-geocodes">latitude and longitude coordinates (geocodes)</a>. The plugin allows manual address entry as well as <a href="/articles/batch-geocode">batch geocoding via CSV</a>.

<p>In our ebook, <a href="https://www. smarty. com/documents/ebooks/8-questions-to-ask-when-selecting-a-geocoding-api. pdf">8 Questions to Ask When Selecting a Geocoding API</a>, we break down the key features to look for in a geocoding provider and what questions you should ask vendors so you know you’re choosing the solution that will work best for your business. </p><p><strong>In this article, we dive into whether you should look for a geocoding provider that also offers address autocomplete and reverse geocoding.

<p><strong>On-premise vs. the cloud is a constant debate when it comes to software purchases. Geocoding software is no different. How your geocoding solution is deployed can greatly impact both the performance and the cost. </strong></p><p>In our ebook, <a href="https://www. smarty. com/documents/ebooks/8-questions-to-ask-when-selecting-a-geocoding-api. pdf">8 Questions to Ask When Selecting a Geocoding API</a>, we talk about the pros and cons of on-premise and cloud-based geocoding options, as well as other key features to consider.

<p>The right geocoding API can help your business reduce costs and increase profits through accurate location data. But how do you know if a service can handle your data needs? Capacity and speed are two key topics to consider when comparing geocoding services. </p><p><strong>You can find out more about all the questions you need to ask in our ebook, 8 Questions to Ask When Selecting a Geocoding API by clicking the link here:</strong></p><p><a href="https://www. smarty. com/documents/ebooks/8-questions-to-ask-when-selecting-a-geocoding-api.

<p>If you’ve made it to this blog, you’re clearly interested in taking advantage of location data and geocodes. Welcome to the club—we’re so happy to have you!</p><p>Not all geocoding APIs offer the same levels of service and accuracy. That’s why we wrote an ebook all about how to choose the right geocoding provider. In this article, we’ll summarize two points from the ebook: How are no-matches handled and are sub-address geocodes offered?</p><h2>How are no-matches handled?</h2><p>First things first—what do we mean by “no-match?” A <strong>no-match</strong> is the result when a geocoding service can’t find a match for the address you entered.

<p><a href="/articles/geocoding">Geocoding</a> can unlock valuable business intelligence that is hiding in your address data. But how do you know what level of geocoding you would benefit from the most? Do you need rooftop data? Or maybe you just need parcel data? What about ZIP 9 geocodes?</p><p>These are the questions Adam Charlton, one of Smarty's genius geocoding developers, set out to answer in his recent webinar. </p><h2>What is geocoding?</h2><p>Geocoding most typically means appending a latitude and longitude to a named location like an address.

<p>Choosing the right geocoding service is the first step toward unlocking better location intelligence and helping your organization make more strategic decisions. </p><p>From our ebook, we’ll cover two key questions to ask when choosing a geocoding API:</p><ol><li><strong>Does the API include address validation</strong></li><li><strong>How accurate are the geocodes?</strong></li></ol><h2>Question 1: Does the geocoding API include address validation?</h2><p>Fitness advocates are fond of saying things like “Abs are made in the kitchen” and “Fuel your body for success.