Flood Risk Intelligence
Post-Event Loss Modelling
Rapid flood footprint and portfolio-level loss estimate after a significant event. Delivered as an engagement; tuned for reinsurance reporting and reserve-setting timelines.
Who it's for
Primary insurers and reinsurers who need a fast, credible loss footprint after a named flood event — typically in the days and weeks following impact.
Coverage today
Turnaround depends on data availability (rainfall, radar, satellite imagery). Typical first-pass estimates within 3–7 days of event; refinement follows.
Who it’s for
Claims, reinsurance, and reserve-setting teams under pressure to report a credible loss view after a named flood — before full claims data is in. We provide an independent footprint and a portfolio-level loss range, with explicit uncertainty, quickly.
What you get
- Flood footprint for the event, built from rainfall, gauge, and (where available) satellite imagery — refined as more data arrives.
- Portfolio-level loss estimate with an explicit range, not a single precision-faking number.
- Per-treaty or per-region roll-up as you need for reinsurance reporting.
- A short “what we know / what we don’t” brief, suitable to forward to reinsurers or the board.
- Refinement passes as satellite imagery and claims data come in, without re-scoping.
How it works
- Mobilisation. Within 24 hours of a named event, we confirm scope, geography, portfolio, and reporting cadence. You send the exposure; we confirm which regions we can cover immediately versus those that need new hazard work.
- First-pass footprint. Built from rainfall, gauged river levels, and any prior hazard layers. Uncertainty is explicit.
- First-pass loss estimate. Portfolio is overlaid on the footprint; losses are estimated with depth-damage curves. The result is a range, not a point estimate.
- Refinement. As satellite imagery, additional gauges, and early claims data arrive, the footprint and loss range tighten. Updates are delivered on the cadence you need (daily, weekly).
- Final report. After the event data is stable, a consolidated report locks in the methodology, uncertainty envelope, and comparison to actual claims.
Honesty
Early-day estimates are wide on purpose. Narrowing them prematurely costs credibility later. Our ranges tighten as the data allows — we do not manufacture precision to meet a board deadline.
What this is not
This is a rapid engagement model, not an always-on catastrophe feed. Real-time catastrophe-model outputs that tick during an event are not what we provide; a transparent, auditable, event-scoped loss footprint is.