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Insurance verified Verified Outcome TRL 9

IoT-Triggered Parametric Flood Insurance

domain Client: Commercial Real Estate Owners handshake Provider: FloodFlash schedule Deploy: 2019-Present
93 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Use of proprietary, tamper-proof ultrasonic sensors installed on client properties to trigger instant payouts based on flood depth, bypassing traditional loss adjustment.

rate_review Analyst Verdict

"Redefines flood resilience. By physically anchoring the 'trigger' to the client's wall, it eliminates the basis risk found in satellite/model-based parametric insurance. It makes uninsurable properties insurable."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Many commercial properties in flood zones are deemed uninsurable or face exorbitant premiums due to uncertain risk models. When floods occur, traditional claims take months to settle, causing businesses to fail due to cash flow paralysis during the recovery phase (the 'protection gap').

psychology The Solution

The insurer installs a ruggedized, internet-connected ultrasonic sensor on the exterior of the building. The client selects a 'trigger depth' (e.g., 20cm) and a payout amount. If water reaches that depth, the sensor sends a signal via cellular network, and the full payout is authorized automatically. No human adjuster visits to debate the value of damaged wet carpets.

settings_suggest Technical & Deployment Specs

Integrations
Payment Rails
Deployment Model
Hardware + SaaS
Data Classification
IoT Sensor Data
Estimated TCO / ROI
Included in Premium
POC Summary (2017 to 2018)

"Launched in UK, expanded to US."

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Sensor Tampering Medium Fraud-proof casing and data anomalies detection.
Physical Damage to Sensor Low Redundant memory chips and 'heartbeat' monitoring.

trending_up Impact Trajectory

Audited value realization curve

Record claim settlement in < 4 hours Verified Outcome
Primary KPI100% payout certainty upon trigger
Audit CycleReduced administrative costs by ~90%

policy Compliance & Gov

  • Standards: FCA (UK), State Depts (US)
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: IoT Sensor Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Commercial Real Estate Owners without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-558
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-558

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