What Is a Home Intelligence Score — And How Is It Calculated?
A Home Intelligence Score is a 0–100 composite of six condition categories used by ProActive Home Care to grade the current state and risk trajectory of a residential property.
Published 2025-03-10 · Updated 2026-04-21 · 7 min read
What is a Home Intelligence Score?
A Home Intelligence Score is a 0–100 numeric grade that summarizes the current condition and forward-looking risk of a residential property. It is built from visual check findings, equipment ages, climate exposure, and unresolved deferred maintenance — and is updated every time new field data is captured.
What are the six categories?
| Category | Weight | What it covers |
|---|---|---|
| Structural | 20% | Foundation, framing, load-bearing walls, visible cracking |
| Roof & envelope | 20% | Roof, gutters, fascia, soffit, attic ventilation, flashings |
| HVAC & mechanical | 18% | AC, furnace, water heater, ducts, filters |
| Plumbing | 15% | Supply, drainage, fixtures, water pressure, leaks |
| Electrical | 12% | Panel, GFCI, breakers, visible wiring condition |
| Exterior & site | 15% | Drainage, grading, paint, fencing, hardscape |
How is each category graded?
Each category is graded on three sub-factors that aggregate to a 0–100 sub-score:
- Current condition (50%) — based on visual check findings, each tagged ok / monitor / schedule / urgent.
- Equipment age vs. expected life (30%) — a 14-year HVAC in a market where average life is 16 yrs gets penalized differently than a 14-yr HVAC in a market where average life is 20 yrs.
- Open deferred items (20%) — any item flagged in a prior visual check that remains unresolved compounds the penalty over time.
What raises and lowers a score?
Raises: closing out a flagged finding, replacing a near-end-of-life system, completing a documented preventive task (filter swap, gutter clean, AC tune-up). Lowers: any new urgent finding, any item that re-appears on a later visual check, age crossing an expected-life threshold without remediation.
How is it different from a licensed real estate evaluation report?
A traditional home evaluation is a point-in-time PDF. The Home Intelligence Score is a continuously updated index — the same way a credit score is updated as new payment data arrives. The underlying findings are still individual walkthrough observations; the score just makes them comparable and trackable over time.
Is the score standardized like a credit score?
No — there is no industry-wide single Home Intelligence Score yet. ProActive's score is methodologically transparent (the weights, ages, and rubrics are published in the platform), and aligns with Fannie Mae UAD C1–C6 condition ratings and InterNACHI's Standards of Practice for component grading. The intent is to give homeowners, agents, lenders, and inspectors a common number to discuss.
How do I improve my home's score in 30 days?
- Start with a baseline visual check — you cannot improve what you have not measured.
- Handle the simple items first (caulking, filter swap, GFCI test).
- Document the maintenance — undocumented work does not change the score.
- Schedule any item flagged as monitor for the next quarterly check.
Frequently asked questions
How is the Home Intelligence Score included?
The 0–100 Home Intelligence Score, HomePassport access, and Snap & Fix photo triage are part of membership. Protect Basic is $29/month or $276/year, Protect Essential is $59/month or $588/year, and Protect Pro is $179/month or $1,788/year. Monthly plans have a one-time $49 setup fee; annual prepay waives it. Protect Basic is digital with no included visits, Protect Essential includes four seasonal visits, and Protect Pro includes monthly walkthroughs.
How does the Home Health Check work?
It is a one-time $49 in-person visual home health check. You request it first, and you are billed only after the home health check is completed. Only a paid home health check qualifies for a membership credit; the credit is available for one plan upgrade within 30 days of payment. It is not a licensed real estate evaluation.
How often is my score updated?
Continuously. Any new visual check, completed work order, or equipment replacement updates the score in real time within the dashboard.
Does the score affect my home insurance?
Not directly — insurance carriers use their own models — but several carriers will accept a documented preventive maintenance history as supporting evidence for lower premiums, particularly on roof and HVAC claims.