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Method HR-1.0

How the record completeness figure is calculated.

We publish the method in full so you can see exactly how the figure is reached. Everything below is arithmetic on the answers you gave. There is no model, no external data and no assumption about your house.

Review your home’s care · The fifteen categories, explained

What it measures

It measures one thing: how much of what needs to be known about your house exists in writing. Not the condition of the house, not how well it is looked after, not how much risk it carries, and not how it compares to anyone else's.

The fifteen categories

The categories are not chosen for the website. They are the structure our own operating system uses to hold a house, published unchanged so that the public check and our internal record stay the same. Eleven carry a weight of 2 and four carry a weight of 1, for the reason given in the next section.

#CategoryTierWeight
01The house itselfOperating2
02Who speaks for the houseOperating2
03Who may approve, and up to whatOperating2
04Access, and who holds whatOperating2
05Hazards and cautionsOperating2
06Rooms and areas, and how they are nowRecord1
07Systems and equipmentOperating2
08Shut-offs and controlsOperating2
09Finishes and materialsRecord1
10Manuals, warranties and documentsRecord1
11Providers, and what each one doesOperating2
12How the house is meant to be leftOperating2
13Owner standards and instructionsOperating2
14What has happened to the houseRecord1
15What is still openOperating2

Why two tiers rather than equal weight

Equal weighting would treat a missing paint code as equal to a missing water shut-off. We do not think those are equal and neither does our operating system, which refuses to begin recurring care at a house where certain facts are absent and is unaffected by others.

Operating categories, weight 2, contain at least one fact that has to exist before anybody — us or anyone else — can competently run the house. Record categories, weight 1, complete the record and block nothing. That is the entire rationale. It is a statement about what has to be known to operate, not a claim about danger, and the weights are not adjusted for what would be commercially convenient for us.

What the weighting is not. It is not a risk model. A category with weight 2 is not twice as dangerous as one with weight 1, and nothing in the result should be read as a probability of anything happening to your house.

The five answers

AnswerMeaningEffect
Written downIt exists in a form that could be handed to somebodyFull weight
PartlySome of it exists; the category is incomplete rather than absentHalf weight
Not written down anywhereIt does not exist in writing, wherever it may exist in somebody's headNothing
Does not apply to this houseThe house does not have the thingRemoved from the total entirely
I do not knowYou are not sure whether it existsNothing, and counted separately

Unanswered categories

The result cannot be produced until all fifteen are answered, and an unanswered category is never treated as complete. Silence about whether something is written down is not evidence that it is.

Does not apply

Removed from both the numerator and the denominator, so a house without an elevator, a dock or a pool is not marked down for lacking one. If you answer that way for several categories, the figure is calculated out of what remains and the result says how many were excluded.

I do not know

Scores nothing, because a record nobody can locate is not functioning as a record. It is also reported on its own, because three or more of them is a finding in itself — and it is the answer that most often changes after somebody has walked the house with you.

The arithmetic

Each category's credit is its weight multiplied by 1 for written down, 0.5 for partly, and 0 otherwise. The figure is the total credit divided by the total available weight across the categories that apply, expressed out of 100 and rounded.

Two further figures are shown: operating completeness, the same arithmetic across the eleven operating categories alone, and record completeness, across the four record categories. The first answers the question the check asks.

With no categories excluded, the maximum available weight is 26 — eleven operating categories at 2, four record categories at 1.

The band guard

The wording of the result cannot read better than Mostly recorded while any operating category is unrecorded or unknown, or better than Partly recorded while three or more are. A house can otherwise score well on arithmetic while missing the one thing that matters most, and a result that reads as reassurance in that situation is worse than no result.

The number itself is never adjusted. Only the words. Where the guard applies, the result says so.

The three next actions

Your three highest-weight incomplete categories, in that order, with ties broken by not written down before I do not know before partly, and then by category number. No model chooses them, nothing is generated, and the suggested action attached to each category is fixed text written in advance rather than composed about your house.

Privacy

Everything runs in your browser tab. No request is made, no answer is transmitted, nothing is stored, and closing the tab discards it. We do not receive your result and cannot see it. The check does not ask for your name, your address or your email, and it will never ask for an access code, a combination, a password or where a key is kept.

What the figure does not mean

It is not a safety score.

It is not an insurance assessment, and nothing in it is advice about your policy. That is a conversation with your own carrier or broker.

It is not a risk or probability of anything happening to your house.

It is not a home-condition score or an inspection of any kind.

It is not a code-compliance assessment.

It makes no comparison to other houses. We publish no benchmarks, averages or most houses figures, and we will not until we hold enough real operating history for such a figure to be true.

Version

Method HR-1.0. Fifteen categories, two tiers, five governed answers, one band guard. Derived from the canonical house record structure used in our own system, so that a category counted here and a category counted internally are the same category. If the method changes, the version changes with it and this page is updated in the same pass.