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Risk Data Reporting StandardsData MethodologyData Origin & Traceability

Data Origin, Traceability, and Data Domains

All data governed by RDRS originates from Advocate’s proprietary rules-based compliance workflows and from on-platform data contributions made through the Market Terminal. Both sources are subject to the same RDRS validation, verification, and inclusion standards.

Data captured under RDRS is evidence-backed and traceable to primary source materials retained within the platform, regardless of whether it is collected through compliance processes or contributed by authorized users within the Terminal.

Source Records

Each reported data point is traceable to one or more of the following source records:

  • Insurance policy and endorsement documentation
  • Third-party reports, including hazard and risk data providers
  • Documented correspondence with lenders, borrowers, carriers, agents, or brokers
  • User-contributed insurance documentation and data submitted through the Market Terminal

Data Capture

All data capture is performed through standardized compliance checklists and structured Terminal inputs. Inputs are mapped into consistent, predefined data fields and stored under stable variable definitions to support downstream validation, aggregation, and reporting.

Data Domains

Market Terminal–ready data is produced through audited workflows across two primary data domains:

  • Asset-level data — Representing physical, financial, and exposure characteristics of insured assets
  • Policy-level data — Representing coverage terms, limits, premiums, and related insurance attributes

These domains are processed independently and linked through documented policy–asset associations. This structure supports accurate aggregation, comparability across analyses, and end-to-end traceability from reported metrics back to source documentation.

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