e2Value rolls out risk assessment tool for home insurers
The new tool, Structure Insurance Score (SIS), has been developed over seven years in collaboration with WTW and is now fully owned by e2Value.
It offers a granular approach to home insurance pricing, providing small to mid-sized insurance carriers with advanced analytics previously available mainly to larger insurers, the company claims.
SIS evaluates the structural characteristics of individual properties, analysing more than 100 data points per home. This allows it to assess how a property might respond to perils such as fire, water, weather, theft and liability, identifying nuanced risk factors often missed by traditional methods.
Unlike conventional approaches that rely on basic property features like the number of bathrooms, storeys or roof age, SIS delves deeper. It uses e2Value's AI-powered technology, drawing on a dataset of millions of residential policies including premiums, structural data and loss history.
The tool incorporates cost modelling across various peril categories and integrates geospatial analytics to refine risk assessments down to ZIP code levels. This ensures pricing reflects local conditions rather than broad geographic averages or distant market cost multipliers.
e2Value stated that SIS' data strategy has been refined through decades of monitoring losses from major events like hurricanes and fires.
SIS is designed to offer a competitive advantage, particularly for smaller insurers without in-house analytics teams, the company noted.
It enables better segmentation, helping carriers identify high-risk properties that could affect loss ratios while recognising homes eligible for premium discounts.
Offered on a subscription basis, SIS makes advanced risk analytics accessible to carriers of all sizes. It allows them to make informed underwriting and pricing decisions with insights once exclusive to larger insurers with proprietary tools.
The tool leverages AI and extensive datasets to tackle long-standing challenges in property risk modelling.
e2Value CEO and co-founder Todd Rissel said: 'We believe this is a watershed moment for us as well as the insurance industry at large. With the launch of SIS, this helps our clients advance beyond more traditional underwriting methods that rely on more generalised data points.
"SIS is a precision instrument that can redefine how risk is understood and priced in the market. It can do what make-and-model scoring did for auto insurance.'
"e2Value rolls out risk assessment tool for home insurers " was originally created and published by Life Insurance International, a GlobalData owned brand.
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