Every quote comes with a clear explanation of how our risk view differs from standard catastrophe model assumptions at that location, so a lower premium always has a defensible reason behind it.

We benchmark continuously against KatRisk, RMS and Verisk, and test against real storms, our surge predictions came within 20-40cm of actual observed water levels in Hurricane Ida and Ian.

We detect and verify public infrastructure (sea walls, levees, pump stations) and private hardening (flood vents, elevated utilities, dry floodproofing) using proprietary AI and imaging tools, cross-checked against submitted certificates and site data.

Verified defenses feed directly into our pricing model, unlocking premium credits of 5-25% for hardened properties.

Our models are calibrated with a growing network of partners: real-time tidal buoys and satellite monitoring track surge dynamics as they happen, while flood mitigation providers supply verified property-hardening records.

None of this data stands alone, it's built into our own risk models, sharpening the accuracy behind every quote we offer.