Wildfire risk has changed. Your rating tables haven't.
Historical loss series no longer describe the real risk: the climate that produced them has ceased to exist. SilvIA Earth measures wildfire risk as it is today — the state of the vegetation, the terrain and the climate, plot by plot and continuously updated — so that the price of each policy reflects the risk you are truly underwriting.
An objective risk figure at every point of the policy lifecycle.
From the initial quote to claims settlement, the same question keeps coming up: how much risk is really in this land? SilvIA Earth answers it with satellite data, not estimates.
Pricing adjusted to the real risk
The core of the proposition. A wildfire risk score per plot or per policy, built on the current state of vegetation fuel, terrain and climate. With it you can fine-tune premiums, spot under-priced policies and compete for the good risk that average rating is pushing away.
Portfolio exposure management
The same score, aggregated: where your wildfire-risk exposure concentrates, how it evolves over the season and which zones warrant a review of terms or underwriting appetite before summer.
Underwriting with evidence
Facing a new risk, an objective, immediate picture of the land: vegetation, dryness, surroundings and the area's history. Fewer on-site inspections, faster decisions and consistent judgement across underwriters.
Satellite-verifiable claims
After a fire, the affected area's boundary and the severity of the damage are read directly from satellite data. We provide independent evidence to speed up processing and support settlement.
Parametric policies
For index-based products: a burned-area index acts as an objective payout trigger. Once the threshold defined in the policy is crossed, settlement activates without depending on months of manual loss adjustment.
When risk reduction is verified independently and continuously, the market rewards it: in the Tahoe Donner case (California), technologically verified preventive treatments across 1,500 acres translated into a 39% lower premium and an 89% lower deductible.
It fits into your underwriting flow, it doesn't change it.
You define the portfolio or the area
A set of policies, a region of interest or an individual risk to assess.
SilvIA scores the risk
Each plot receives its wildfire risk score, with the evidence that backs it and its explicit confidence level.
The data reaches your systems
Via report, viewer or integration with your underwriting and portfolio-management tools. The data works where your teams already work.
Your actuary decides
SilvIA doesn't set your premium or your appetite: it provides the up-to-date risk variable your models are missing.
Premium for insurers
Wildfire risk scoring at plot and portfolio level, continuous exposure tracking through the season, satellite verification of claims and integration with your underwriting systems.
Test your rate against the real risk.
Send us an area or an anonymized portfolio sample and we'll show you where today's risk differs from what the rate assumes.