Predict and Protect: Chimnie's Property Data for Superior Risk Management and Loss Ratio Optimisation

Insurers and lenders can't afford to be reactive in today's volatile environment. Profitability hinges on anticipating risks, pricing accurately, and making confident lending decisions before problems arise. While crystal balls remain elusive, predictive property intelligence is a powerful reality - and Chimnie delivers it.

Chimnie empowers you to move beyond historical data and gain a forward-looking perspective on property risk. This isn't just about better forecasting; it's about directly improving your loss ratios by:

• Pricing policies with pinpoint accuracy: Avoid underpricing (leading to inadequate premiums) and overpricing (driving away customers).

• Reducing claims exposure: Identify and mitigate high-risk properties before claims occur.

• Improving underwriting precision: Make faster, more informed decisions based on a comprehensive risk profile.

Anticipate Environmental Threats with Unmatched Granularity

Natural disasters and environmental hazards are becoming increasingly frequent and severe. Chimnie's advanced geospatial data provides the foresight needed to identify vulnerable properties before disaster strikes. This includes:

• Surface Water, Rivers, Sea & Reservoir Flood Risk: Predictive modelling, factoring in elevation, drainage, and projected climate change impacts, to assess future flood probabilities.

• Subsidence & Ground Instability: Early detection of soil movement trends, enabling proactive mitigation measures and preventing costly structural damage claims.

• Air Quality & Pollution Trends: Data-driven forecasts on how changing environmental conditions will impact property desirability, long-term health risks, and, ultimately, valuations.

Forecast Property Value Fluctuations with Confidence

Lenders need to understand not just current market value but also the trajectory of a property's worth. Chimnie's predictive analytics provide this critical insight by analysing:

• Historical & Future Valuation Trends: Decades of data, combined with predictive modelling, to identify appreciation and depreciation patterns.

• Neighbourhood Growth Indicators: Assessing the impact of local developments, infrastructure projects, and planning permissions on future property values.

• Market Demand & Economic Shifts: Providing foresight into how property markets will respond to changing economic conditions and demographic trends. For insurers, this translates to policies that remain accurately priced over time, preventing the erosion of loss ratios due to underestimated property values.

Uncover Hidden Risks Before They Impact Your Bottom Line

Underwriting decisions require a complete understanding of all potential risks. Chimnie's detailed property intelligence uncovers hidden factors that could lead to future claims, including:

• Rebuild Cost Modelling: Accurate estimations of future construction and labour costs, ensuring adequate insurance coverage and protecting your loss ratio from unexpected expenses.

• Tree Hazard Index: Predicting damage risks from nearby trees, allowing for proactive risk mitigation and reducing the likelihood of costly damage claims.

• Proximity to Infrastructure: Assessing how infrastructure (roads, railways, etc.) will impact property value and potential risks (e.g., noise pollution, construction disruption).

The Future of Property Risk Management is Here

Chimnie doesn't just provide data; we provide actionable insights that empower you to:

• Optimise Loss Ratios: Price policies accurately, reduce claims exposure, and improve underwriting precision.

• Make Proactive Decisions: Identify and mitigate risks before they impact your portfolio.

• Gain a Competitive Edge: Offer superior risk management and more informed lending decisions.

Ready to transform your risk management strategy? Contact us at hello@chimnie.com or explore our predictive data solutions today.