Location-based risk intelligence for underwriting
UrClimate Score provides standardized, location-based physical hazard scores that enable fast and consistent comparisons for underwriting and portfolio analytics. It supports quote and renewal workflows as well as portfolio screening.
Overview
Risk framing for underwriting, portfolio accumulation and hazard comparability.
Use Cases
Quote-time scoring, portfolio screening, risk engineering prioritization and reinsurance support.
Deliverables
Scores, maps, portfolio summaries and integration outputs (API/Excel).
Overview
Move from postal-code averages to asset-level (coordinate-level) comparability.
Key pain points:
- Need to capture micro-scale risk differentiation (location-level granularity)
- Manage portfolio accumulation and concentration risk
- Fast and consistent indicators for quote and renewal workflows
- Inputs for financial readability (e.g., damage ratio and expected loss style indicators)
What we provide (product + services):
- Location-based risk scores and hazard-specific indicators
- Portfolio screening and risk distribution summaries
- Integration-friendly outputs for underwriting workflows
- Where required: input structures to support AAL and damage-ratio style monetisation
Primary hazards (examples):
- Flooding
- Extreme rainfall
- Storm
- Hail
- Lightning
- Snow load
- Heatwave
- Drought
Outputs:
- API scoring (where used)
- Excel/CSV batch files
- Maps
- PDF reporting (where used)
Use Cases
- Quote-time scoring for underwriting decision support
- Portfolio screening: identify high-risk clusters and hotspots
- Risk engineering: prioritize sites for surveys and mitigation actions
- Renewals: update risk appetite thresholds and segmentation
- Reinsurance support: accumulation visibility and scenario-oriented review (where required)
Deliverables
- Location-based standardized risk scores and hazard indicators
- Portfolio distribution summaries (maps + tables)
- Excel/CSV outputs and API integration (where needed)
- Where required: AAL / damage-ratio style technical output set