Insurance & Underwriting
Property-level underwriting. One API call.
Flood risk, hurricane exposure, construction type, and verified ownership — structured and queryable. Replace bulk file transfers with real-time risk data.
Ownership verified across deeds, permits, and property registry. Original documentation available in supported markets.
The Problem
Why P&C underwriting in LatAm is still manual
01
Bulk data files are stale by delivery
Underwriters rely on files that are weeks old by the time they reach the desk. Per-property risk is approximated, not measured.
02
Zip-code risk scores miss parcel-level variance
Hurricane and flood exposure varies dramatically at the parcel level. Area-level scoring drives inaccurate loss ratios.
03
Claims assessment spans three systems
Permit history, ownership, and valuation sit in separate databases. Manual reconciliation adds days to every claim.
What Changes
What changes when you integrate
Per-property underwriting
Flood zone, hurricane damage probability, and construction type returned in a single call — replacing area-level risk proxies.
Unpermitted improvements flagged
Permit history surfaces unpermitted structures before policy issuance — reducing adverse selection on high-risk properties.
Claims: days → minutes
Ownership verified against deeds, permits, and registry at first notice of loss. Original documentation retrieved where available.
API Coverage
Risk data at the property level
Every endpoint purpose-built for P&C underwriting and claims workflows.
GET
/v1/data/{market}/properties/{id}
Construction type, year built, total area, and use classification — physical property attributes for underwriting.
GET
/v1/data/{market}/parcels/{id}
Parcel geometry, land area, and stratum — location context for exposure and replacement cost estimation.
GET
/v1/data/{market}/permits
Full permit history — flags unpermitted improvements, renovations, and structural changes before policy issuance.
POST
/v1/reports/avm
AVM for replacement cost baseline. Confidence interval and value range included.
GET
/v1/data/{market}/transactions
Recorded deed transactions with buyer and seller names — ownership verification from public registry.
GET
/v1/data/{market}/documents
Original deed and legal documentation — retrievable for policy issuance and first notice of loss.
Use Case
Caribbean P&C insurer. New homeowner policies.
Each new policy application triggers a single API call returning flood zone classification, hurricane damage probability, permit history, and an AVM. Ownership is verified against deed records and the property registry — flagging mismatches before policy issuance. Properties with unpermitted structures or high flood exposure route to manual review. All others are issued automatically.
1 API call
Replaces 3-system manual lookup
Unpermitted flags
Caught before policy issuance
2 renewal cycles
To measurable loss ratio improvement
2026 Data Grant Program · Q2 Cohort
Start with up to $250,000 in API credits
12 Spots Remaining for Q2
Qualified insurance and underwriting teams receive free API access to validate their integration before committing to commercial pricing.
CLASS A
$250,000
API credits
6 months access
Dedicated solutions engineer
Early access to new endpoints
CLASS B
$50,000
API credits
4 months access
Solutions engineer support
Early access to new endpoints
CLASS C
$10,000
API credits
3 months access
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