Verity NHD vs Disclosure Source — Which NHD Provider Is Right for You?
Disclosure Source is a California-focused disclosure provider and a credible choice for agents who want their NHD ordered online. It is one of the few competitors that offers signing capability alongside the report, which matters in a disclosure packet. The differences that remain are about how the determinations are produced, how much environmental depth is included, and whether the report explains itself to your client.
Feature comparison
| Feature | Verity NHD | Disclosure Source |
|---|---|---|
| Turnaround time | Minutes — generated on demand from live government GIS data | Same-day to next-business-day is typical |
| Hazard zones checked | 11 statutory determinations + 5 environmental databases (16+ checks) | Standard statutory hazard determinations |
| AI-powered compliance summary | Yes — Verity AI℠ plain-English compliance summary | Not advertised |
| Integrated eSign | Yes — ValidaSign℠ eSign included at no extra charge | Some eSign capability offered |
| Bilingual reports | Yes — English and Spanish reports | English only |
| E&O + Cyber Liability insurance | Yes — E&O + Cyber Liability, $1M per claim / $2M aggregate | Not published |
| Report tiers | 13 tiers (residential, wildfire, commercial, developer, environmental) | Residential and commercial disclosure packages |
| Online ordering | Yes — order online in about a minute | Yes |
| Pricing shown on site | Yes — every tier priced publicly on the pricing page | Varies by package |
Competitor entries reflect publicly advertised features. Where a provider does not publish a feature, the table says “Not advertised” or “Limited” rather than claiming the feature is absent.
What sets Verity NHD apart
Live government data, not a cached copy
Every determination is queried against the government GIS services at the moment you order — FEMA, CAL FIRE, the California Geological Survey, and the state and local agencies behind each statutory zone. Nothing is served from a stale snapshot, which matters in a year when fire and flood boundaries have moved.
Verity AI℠ compliance summary
Alongside the statutory grid, each report carries a plain-English summary of what the determinations mean for that specific property. Your client reads the explanation instead of calling you to ask what "Very High FHSZ" is, and your file shows you explained it.
Bilingual reports, English and Spanish
The same report, the same determinations, issued in Spanish when your client reads Spanish. In a large share of California transactions this is the difference between a disclosure that was delivered and a disclosure that was understood.
ValidaSign℠ signing built in
Multi-party eSign for buyers, sellers, and agents is included in the report fee, with sequential routing and a timestamped audit trail — not a separate signing subscription and not a per-signature add-on.
Thirteen tiers and real environmental depth
Residential, wildfire, commercial, developer, and environmental tiers, so a tract home and a 40-acre subdivision are not forced into the same product. Environmental tiers add five environmental databases on top of the 11 statutory determinations.
Frequently asked questions
Is Disclosure Source or Verity NHD faster?
Verity NHD returns the completed report in minutes because every determination is queried live at order time. Disclosure Source typically delivers within the same business day.
Does Disclosure Source include environmental screening?
Its published packages center on the statutory California disclosures. Verity NHD's environmental tiers add five environmental databases to the 11 statutory determinations, for 16 or more checks.
Does Disclosure Source offer eSign?
Disclosure Source does offer signing capability. With Verity NHD, ValidaSign℠ multi-party signing is built into every order at no extra cost, with a timestamped audit trail of who signed and when.
Which NHD provider has bilingual reports?
Verity NHD issues the same report in English and Spanish. Disclosure Source reports are delivered in English.
Before you choose
Whichever provider you pick, the seller's Civil Code §1103 duty is the same and the fee is a negotiable third-party line item. If you are weighing cost, see how much an NHD report costs and who pays for it. For the broader disclosure packet, read the California disclosure requirements guide or start with what an NHD report actually is.
Learn more about the natural hazards disclosed in every California NHD report, including liquefaction, earthquake fault lines, and fire hazard severity zones.
Ready to try Verity NHD?
Enter an address, pick a tier, and the report is generated in minutes — with the AI compliance summary, bilingual delivery, and signing included.