What Verdica's 798 score means for Bilt Technologies, Inc.
Bilt Technologies, Inc. received a composite score of 798 out of 850, placing it in the "strong" band (740–799). This score reflects above-average compliance and operational performance across the dimensions Verdica tracks: financial stability, complaint handling, and regulatory history.
A score in this range indicates that the provider has demonstrated solid operational practices and regulatory standing. It is not the highest possible rating—the "excellent" band begins at 800—but it represents meaningful distance from providers in the "acceptable" range (670–739) and well above those flagged as elevated or high-risk. For a business owner or consumer evaluating insurance providers, a strong score like this suggests a lower likelihood of financial distress or widespread service complaints compared to the general population of insurers.
The score is built on actual regulatory data, not marketing claims. However, the absence of independent customer reviews in Verdica's indexed database means this score reflects only third-party compliance metrics, not direct user experience. A business considering Bilt should view the 798 as a positive compliance signal while also seeking direct references or service-level feedback separately.
How the sub-scores break down
Financial Strength: 700
This sub-score reflects Bilt's ability to pay claims and meet obligations. A score of 700 is notably lower than the other two dimensions and falls into the acceptable-to-strong range. In insurance, financial strength matters because an insurer with weak reserves or poor capital ratios may struggle to honor claims during adverse events or market downturns. A score of 700 suggests Bilt maintains adequate financial cushion but may not rank among the industry's most capitalized providers. Readers should note this is still a passing indicator—it does not signal distress—but it is the weakest of the three sub-scores.
Complaints: 850
This sub-score is Bilt's strongest dimension. A complaints ratio of 850 (on Verdica's 0–850 scale) indicates very few filed complaints relative to the volume of policies in force, or that complaints filed were resolved appropriately. The NAIC tracks complaints by category and ratio per policy issued. A high score here suggests customers are not filing disputes at elevated rates and that the company handles grievances within regulator expectations. This is a major positive indicator for service quality and dispute resolution.
Regulatory Actions: 850
Like the complaints sub-score, this score of 850 is excellent. Regulatory actions tracked by the NAIC include license suspensions, fines, cease-and-desist orders, or material violations. A maximum or near-maximum score means Bilt has no significant regulatory flags in the NAIC database. This suggests compliance with licensing requirements, underwriting standards, and state insurance codes.
What regulators track for insurance providers
The NAIC (National Association of Insurance Commissioners) maintains complaint data by insurer, including complaint ratios that account for the size of the insurer's book of business. A complaint is typically a customer dispute about claims handling, policy terms, billing, or service. Regulators also track financial strength through annual statutory filings, monitoring capital adequacy, reserve levels, and loss ratios.
Regulatory actions reflect state insurance department enforcement. These can include fines for underwriting violations, license restrictions, or orders to cease unfair practices. The absence of such actions is a compliance positive.
Scores move based on complaint volume relative to policies issued, speed of complaint resolution, financial ratios, and any documented regulatory enforcement. An insurer's score can decline if complaint ratios spike, financial metrics weaken, or a regulator takes action.
Bottom line
Bilt Technologies, Inc. presents a strong compliance profile, with excellent performance in complaints and regulatory standing offset by adequate (not exceptional) financial strength. A business owner or consumer considering Bilt should view the 798 score as a positive regulatory signal, but should independently verify financial ratings through agencies like AM Best and seek direct customer references before committing.