Vulnerability: A New Standard for Assessing Wildfire Risk
Wildfire is complex and chaotic, which makes it difficult to evaluate the unique structural and site risks of an individual property. While some models can predict the probability of a wildfire affecting a property, none provide a quantitative assessment of the specific ignition risks for structures.
We provide a precise assessment of where and how structures might ignite during a wildfire. These ratings are specifically designed to assess insurability and inform mitigation plans that reduce property vulnerabilities in line with a carriers acceptability standards.See How It Works
Property Ignition Model
Our proprietary Property Ignition Model (PIM) combines satellite imagery, machine learning, and thermodynamic models with ground-level inspections and decades of fire and material science research to develop a comprehensive overview of ignition risk.
Our deterministic approach assesses how structures will ignite due to five specific threats: convective heat, radiant heat, ember entry, ember accumulation, and structure-to-structure ignition.
Data-Driven Mitigation Planning
PIM’s objective ignition risk assessment develop a comprehensive mitigation plan that addresses the unique vulnerabilities of individual structures and identifies specific actions that, if taken, can reduce the risks of structure loss
We coordinate directly with service providers to ensure mitigations are performed promptly and to meet insurance policy requirements.
Hazard Model Integration
The property-level precision of our wildfire assessment integrates seamlessly with existing hazard models, catastrophe models, and insurance underwriting processes. We help underwriters better select risks and price policies with the goal of expanding access to insurance options for property owners and managers.
Informed by Science, Enabled by Technology
We’ve drawn upon decades of wildfire science and thermodynamics research to create a sophisticated, data-driven model. Cutting edge analytics provide a comprehensive picture of how structures will burn in a wildfire and identify the mitigations necessary to make properties insurable. Our technology platform is continuously evolving to provide insurers, property owners, and government agencies with a better tool for assessing wildfire.