Wildfire Risk Insights reveal the exact property attributes contributing to higher claim risk, empowering underwriters or agents to work with policyholders to proactively mitigate risk
Visit Wildfire RiskScore vulnerability for properties in hurricane zones, automating approval for properties with high scores and allocating more resources to those with low scores.
Visit Hurricane RiskUse machine learning and computer vision models to reveal property vulnerability by accurately identifying factors like missing shingles, roof stains, roof material, and roof shape.
Visit Wind RiskUnderstand hail claim risk on a property-level, selecting good risk while managing or reject bad risk.
Visit Hail RiskGet ahead of peril events with AI-powered insights. AI can reveal correlations between visible property condition and losses and train models to predict future claims.
Leverage historical claims datasets, natural disaster risk maps, and computer vision detections for accurate risk assessment and peril rating decisions in high-hazard regions.
Transparent peril scores allow underwriters and loss control teams to proactively communicate mitigation steps to policyholders and better protect their homes, businesses, and communities.
Score your risk of severe weather events such as wildfires, hurricanes, hail, and wind. Based on historical claims datasets and computer vision detections like defensible space and roof condition, vulnerability scores enable rapid, accurate underwriting and rating decisions in high-hazard regions.
Combine hazard scores with AI-powered vulnerability scores to make all-inclusive Claim Predictors. Synthesizing property-level vulnerability with historical event data and predictive modeling, each Claim Predictor is a single, precise, and actionable indicator of future claims.
Confidently apply risk models to your ratings. We work with Milliman Appleseed to pre-file our peril scores throughout the country.
Hail scores (Vulnerability & Claim Predictor)
Wind scores (Vulnerability & Claim Predictor)
Milliman Appleseed is an advisory organization licensed to submit loss costs, rating factors, and risk scores with state insurance regulators across the U.S. Backed by Milliman, one of the world's largest providers of actuarial, risk management, and technology solutions, Appleseed enables insurtechs to meet regulatory requirements faster, more easily, and at lower cost. Collaborating with Milliman Appleseed and using their extensive ratemaking experience and trusted relationships with state insurance regulators, Nearmap predictive peril scores are validated for fast, cost-efficient approvals.
Combat inflated replacement costs and premium leakage by accurately matching price to risk for policies in peril zones.
Policyholders want a personalized approach to risk management. Meet these expectations with insights that proactively inform them of their peril exposure level.
Increasing climate disaster risk calls for a higher quality of property intelligence. Peril insights are predictive and actionable, helping to build resilience in a changing climate.