Challenge
Re-underwrite a 12,400-property book for flood, wildfire, and seismic exposure ahead of treaty renewal.
Insurance & Risk · Case Study
Portfolio Catastrophe Exposure Review (12,400 Properties)
Client: Specialty property insurer
Approach
- Bulk-loaded the property book as custom POIs.
- Layered flood zones, wildfire interface zones, and seismic intensity.
- Generated per-property AI risk flag lists.
- Aggregated to portfolio-wide exposure summary.
Outcome
Treaty renewal completed with a 4.8% premium uplift on flagged properties and tightened wording on 12 outlier risks. Reinsurer accepted the GeoSense report as supporting evidence.
Key metrics
Representative figures from this engagement.
12,400
Properties reviewed
874 (7.0%)
High-risk properties flagged
412
Flood-zone overlaps surfaced
317
Wildfire interface flagged
+4.8%
Re-rated premium uplift
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