CoreLogic and Verisk are two of the largest property data companies operating in the UK, and both arrived here primarily through acquisition. CoreLogic - rebranded to Cotality in March 2025 - built its UK presence around mortgage surveying infrastructure and automated valuations. Verisk built its UK footprint by acquiring The GeoInformation Group in 2016, gaining aerial-imagery-derived building data that now underpins much of the UK insurance industry's underwriting.
For procurement teams evaluating either platform, the distinction matters. These are not interchangeable datasets. They were built for different industries, structured around different questions, and delivered through different commercial models. This comparison lays out the practical differences.
Who is CoreLogic (Cotality)?
CoreLogic was spun out of First American Corporation in 2010 and rebranded to Cotality in March 2025. It is headquartered in Irvine, California, with significant UK operations. Stone Point Capital and Insight Partners took the company private in 2021. Globally, it employs roughly 5,200 people and last reported revenue of approximately $1.6 billion.
In the UK, Cotality monitors 30.9 million residential properties daily, stores 150 million property transactions, and draws from over 100 data sources to compile 135 data points per property. Its IntelliVal AVM claims 100 percent UK property coverage and is used by more than 80 percent of buy-to-let lenders. The company dominates surveying infrastructure - 86 percent of panel managers use its software and over 95 percent of mortgage valuation instructions pass through its platform.
Beyond lending and surveying, Cotality operates across insurance risk analytics, property marketing for estate agents, retrofit assessment (PAS Hub, Surveyor Pro), and net-zero reporting for mortgage portfolios.
Who is Verisk?
Verisk Analytics is a Nasdaq-listed company with a market cap around $37 billion and FY 2024 revenue of $2.88 billion. It is primarily a global insurance data and analytics business, having divested its energy (Wood Mackenzie) and financial services divisions in 2022.
The UK property data operation traces back to the 2016 acquisition of The GeoInformation Group, a Cambridge-based firm specialising in geospatial data and aerial imagery classification. This became Geomni UK, then Verisk 3D Visual Intelligence UK, and now sits under the Verisk brand as the Land and Buildings Data division. The core product, UKBuildings, provides construction characteristics (building age, roof type, wall type, floor area, storeys, basements) for 29 million GB addresses with 98 percent detailed coverage.
Verisk's UK product range extends into eight peril models (flood, subsidence, storm, theft, fire, escape of water, freeze, accidental damage), rebuild cost estimation for both residential and commercial properties, the Location Matters mapping portal, the Data Insight Hub for API-based data enrichment, and Xactimate for claims estimation. In the London Market, Verisk's Sequel division handles software for Lloyd's syndicates and specialty insurers.
Building and property data
Both platforms maintain national-scale building databases, but the data origins and emphasis differ.
Cotality's property data spans 30.9 million UK residential properties with 135 data points each, derived from Land Registry transactions, EPC data, Ordnance Survey mapping, and proprietary surveyor-collected information. The strength is in valuation-relevant attributes - transaction history, comparable sales, and the detailed property characteristics that surveyors record during physical inspections. The 50-year property price index adds historical depth.
Verisk's UKBuildings derives its building characteristics primarily from high-resolution aerial imagery classification, supplemented by street-level mapping and third-party data. The result is a different data shape: construction materials, roof types, floor areas, storey counts, basements, and listed building grades - the physical attributes an insurer needs to quote a policy or estimate a rebuild cost. Verisk is an official Ordnance Survey partner, and the two organisations jointly created deeper buildings data for Great Britain in August 2024.
For lending and valuation use cases, Cotality's data is more directly applicable. For insurance underwriting and property risk assessment, Verisk's construction-level detail carries more weight.
Automated valuations
Cotality's IntelliVal AVM uses machine learning with real-time data recalibration and claims 77 percent accuracy within 10 percent of actual sale price. It dominates the buy-to-let market, with 80-percent-plus lender adoption. The AVM sits within a broader lending ecosystem that includes Lender Hub (connecting lenders, panel managers, and surveyors) and the surveying platform that processes 95 percent of UK valuation instructions.
Verisk does not offer a property market AVM in the UK. Its valuation capability is limited to rebuild cost estimation - calculating what it would cost to reinstate a building at current material and labour prices. The newly launched Commercial Rebuild product (October 2025) extends this to commercial properties. These are insurance-focused valuations, not market-price predictions.
If your use case requires automated market valuations, Cotality has a proven product and Verisk does not. If you need rebuild or reinstatement cost estimates for insurance purposes, Verisk is the specialist.
Peril and risk modelling
This is Verisk's home ground. The Perils Insight suite covers eight distinct risk models at postcode or address level: flood (fluvial and coastal), subsidence (geology, vegetation, climate, claims history), storm (72 million wind speed recordings), theft, fire, escape of water (100 million data records across 26 million properties), freeze, and accidental damage. These models are regularly recalibrated with the latest claims data.
Cotality offers climate risk and environmental data - flood, subsidence, coastal erosion - primarily packaged for mortgage back-book reporting and net-zero compliance. It does not maintain the breadth of peril-specific models that Verisk does, and its risk data tends to be bundled with lending products rather than available as standalone feeds.
For insurance underwriting and portfolio risk management, Verisk's peril suite is deeper and more granular. For climate-risk compliance in a lending context, Cotality integrates what it has more neatly into mortgage workflows.
Surveying and workflow tools
Cotality owns the UK's surveying infrastructure. Its software runs across 86 percent of panel managers and handles over 95 percent of valuation instructions. The Lender Hub connects the entire chain - from instruction through to completed valuation report - with real-time updates and automated triage. This creates a network effect: because panel managers use Cotality, surveyors must too, and lenders connect through the same system.
Verisk has no equivalent surveying workflow. Its closest product is the Location Matters portal, which visualises risk accumulations and supports underwriting decisions with map-based views - but this serves insurance underwriters, not mortgage surveyors. Verisk's Sequel platform handles Lloyd's syndicate workflows, but that is a different market entirely.
If your organisation is in the mortgage lending or surveying chain, Cotality is already embedded. If your organisation is in insurance, Verisk's workflow tools are the relevant products.
Retrofit and energy efficiency
Cotality has made a notable push into retrofit. Its PAS Hub coordinates retrofit assessments, Surveyor Pro provides whole-house planning software with over 2,000 measures and market pricing data, and Pathways serves local authority housing analytics. Over 95 percent of retrofit assessments are reportedly completed through Cotality's platform.
Verisk has recently launched a Property Claims Carbon Calculator (September 2025) - the first Carbon Trust-assured model for measuring the carbon footprint of property claims. While not a retrofit product, it signals growing interest in sustainability data. Verisk's EPC data and building characteristics also feed into energy efficiency assessments for insurers and lenders.
For organisations focused on the energy retrofit supply chain, Cotality has a substantial head start. Verisk's sustainability play is newer and more focused on claims rather than building upgrades.
Pricing and access
Neither platform publishes pricing. Both operate enterprise sales models with bespoke contracts. Cotality's commercial structure likely combines annual licences with per-transaction fees for AVM calls and data lookups. Verisk offers API, flat file, batch, portal, and GIS delivery options, also under bespoke agreements.
Both companies have significant pricing power in their respective markets - Cotality through its surveying network effects and AVM dominance in buy-to-let, Verisk through its embedded position in insurance quoting workflows. Neither offers self-serve API access or transparent per-lookup pricing. Getting started with either requires a formal sales engagement and, typically, a multi-month onboarding timeline.
Where CoreLogic (Cotality) is stronger
Cotality is the stronger choice for mortgage lending, surveying, and property valuation use cases. The IntelliVal AVM, 95-percent share of valuation instructions, and retrofit platform create an ecosystem that covers the full lending lifecycle. Its buy-to-let AVM dominance (80-percent-plus of lenders) and network effects in surveying infrastructure make it extremely difficult to displace for those use cases.
Where Verisk is stronger
Verisk is the stronger choice for insurance underwriting, claims, and peril-specific risk assessment. Eight granular peril models, construction-level building data derived from aerial imagery, residential and commercial rebuild cost estimation, and deep integration with major UK insurers (Hastings, Hiscox, Beazley, Aviva) give it a commanding position in the insurance data supply chain. The Ordnance Survey partnership and Sequel's 40-percent share of the London Market add further breadth.
Where Chimnie fits in
Cotality and Verisk are both enterprise incumbents with opaque pricing, long procurement cycles, and products designed for specific verticals - lending in Cotality's case, insurance in Verisk's. For organisations that need property data across both verticals, or for use cases that sit outside either, the gap is real.
Chimnie covers over 35 million UK properties with more than 500 attributes per address - significantly broader than Cotality's 135 data points per property and structured for a wider range of use cases than Verisk's insurance-focused building data. The platform includes a free AVM with calibrated confidence intervals (something Verisk does not offer at all), rebuild cost estimates, outbuildings mapped and valued separately from the main dwelling, and risk scoring across environmental and socio-economic factors.
Chimnie is completing two years of national planning permission ingestion, launching imminently - a dataset that neither Cotality nor Verisk provides at comparable depth. For insurance firms, planning data can flag material changes to properties (extensions, conversions, new builds) that affect risk profiles. For lenders, it provides context that AVM models alone may miss.
Pricing is transparent and published: residential lookups from £0.05 to £0.15 per property, commercial data at £0.45 per property on a pay-as-you-go basis with volume discounts. API-first, self-serve onboarding means you can be testing data quality within hours. Over 150,000 consumer users on chimnie.co.uk continuously validate the underlying data.
For procurement teams negotiating with Cotality or Verisk, Chimnie is worth benchmarking as a cost-effective supplement or alternative data layer. A free trial takes minutes to set up.
Conclusion
CoreLogic (Cotality) and Verisk dominate different verticals of the UK property data market. Cotality owns the mortgage lending and surveying infrastructure. Verisk owns the insurance underwriting and claims data layer. Overlap between the two is limited, and most organisations in either market will encounter one or both as incumbents.
The gap both leave is in cross-vertical property data with transparent pricing and self-serve access. For the growing number of organisations - proptech firms, MGAs, brokers, developers, data teams - that need deep property attributes without the overhead of an enterprise procurement process, Chimnie offers a third path with broader coverage, published pricing, and an API-first model designed to complement rather than replace either incumbent.
