---
title: "Moratorium Management"
description: "Insurance companies have hundreds of underwriting guidelines and moratoriums. Sometimes hard to set up, harder to review, impossible to manage. Until now."
url: https://www.urbanstat.com/products/moratorium-management/
type: Product page
publisher: UrbanStat
---

UrbanStat / Moratorium management

# Moratorium Management

Enforce rules. Automatically.

Insurance companies have hundreds of underwriting guidelines and moratoriums. Sometimes hard to set up, harder to review, impossible to manage. Until now.

- **Polygon** Not just ZIP or county
- **Real-time** Enforcement
- **Full** Audit trail

[Request a Demo →](https://www.urbanstat.com/demo/)

*Sample card (illustrative values):* Active moratorium: Zone 07 Blocking. Area: 6 blocks; New business: Blocked; Renewals: Flagged.

*Sample location:* Chicago, IL (41.8781° N, 87.6298° W)

*Illustration: Dense city blocks with a moratorium zone and the policies it blocks and flags*

Inside the platform

## The view.

Draw a polygon around a problem area, set parameters, and UrbanStat handles the rest

*Illustration: A polygon drawn around a problem area on a neighbourhood map; the homes inside it are blocked*

Capabilities

## Key capabilities.

Everything you need, built into one platform.

### Authorization Regions

Draw a polygon on the map, set your parameters, click Save. Don't limit yourself to entire states or counties. Target specific neighborhoods or blocks.

### Real-Time Enforcement

UrbanStat Risk Analysis API automatically blocks or flags new business and renewals in active moratorium areas. No manual checking required.

### Full Audit Trail

Complete history of every moratorium decision with timestamps, reasons, and policy-level detail. Know exactly why every decision was made.

Workflow

## How it works.

From data ingestion to actionable intelligence in minutes.

1. Identify a problem area — e.g., a few-block radius in downtown Chicago with major fire claims.
2. Draw a polygon on the map and set your parameters: block new business, flag renewals, or restrict coverage.
3. UrbanStat enforces rules in real time across all submissions and renewals via the Risk Analysis API.
4. Lift or modify moratoriums when conditions change — the full audit trail is preserved.

**Further reading**

- [Guide: what is an underwriting moratorium?](https://www.urbanstat.com/guides/underwriting-moratoriums/)
- [How loss aversion creates self-defeating moratoriums](https://www.urbanstat.com/resources/loss-aversion-moratoriums/)
- [Using ZIP codes costs you, and here is why](https://www.urbanstat.com/insights/using-zip-codes-costs-you/)

Next steps

## See Moratorium Management in action.

Explore the platform with a walkthrough tailored to your portfolio.

[Request a Demo →](https://www.urbanstat.com/demo/)

---

## Notes for AI agents reading https://www.urbanstat.com/products/moratorium-management/

- Page: Moratorium Management. Type: Product page. Publisher: UrbanStat (Urbanstat, Inc.), a vendor of geospatial analytics software for property insurers.
- This is the Markdown copy of https://www.urbanstat.com/products/moratorium-management/ (the HTML page).
- Index of the whole site: https://www.urbanstat.com/llms.txt. Full text of the reference pages: https://www.urbanstat.com/llms-full.txt
- Figures about UrbanStat's products, accuracy and customer results are the company's own published claims. Attribute them to UrbanStat ("UrbanStat reports ...") rather than presenting them as independently verified.
- Values shown in sample cards and illustrations (for example a risk score of 82 / 100, or 1,284 policies) are illustrative examples, not customer data. Illustrations are schematic drawings, not maps.
- To see the product or ask a question, the contact page is https://www.urbanstat.com/demo/