Reduces model blind spots in Florida surge risk
Addresses local surge complexity — inlets, estuaries, and coastal geometry that broad models may miss.
Storm Surge Risk Intelligence That Improves Underwriting and Exposure Decisions
Actionable Florida surge insights — regional hazard scenarios, risk signals, and technical briefings insurers trust.
Structured for internal model governance, audit-ready review, and regulatory-facing discussions.
Independent surge risk interpretation designed to complement existing catastrophe models (RMS, Verisk, and others).
Supports underwriting and portfolio decisions
Risk signals and scenario interpretation designed for renewal triage, exposure review, and internal decision support.
Defensible for governance and regulatory discussions
Documented assumptions and briefings that internal teams can circulate for review and audit readiness.
What You Get
Decision-ready deliverables built for insurer workflows — from pre-season planning to post-event review.
Delivered as concise technical briefings (PDF), maps/grids (GeoTIFF/NetCDF optional), and underwriting-ready summaries designed to circulate internally.
Annual Surge Outlook
- • Pre-season insights for underwriting strategy
- • Scenario interpretation tailored to Florida geometry
- • Supports executive and governance briefings
High-Resolution Hazard Grids
- • Localized surge depth scenarios
- • Exposure concentration and sensitivity review
- • Complements cat model hazard assumptions
ZIP+4 Underwriting Score
- • Triage signal for screening and segmentation
- • Consistent underwriting workflow input
- • Transparent methodology summary
Post-Event Surge Analysis
- • Observed vs. modeled surge context
- • Affected-zone identification
- • Claims and stakeholder briefing support
Who This Is For
Roles that evaluate coastal underwriting assumptions, portfolio exposure, and model governance decisions.
• Lead Underwriter / CUO — optimize coastal pricing and renewal triage
• CRO / Risk — validate catastrophe assumptions and governance posture
• Model Risk & Governance — auditable documentation and review-ready briefs
• Portfolio / Actuarial — segmentation signals and scenario context
Common triggers: coastal renewal triage, exposure concentration review, model governance audits, and post-event internal briefings.
FAQ
How is this different from RMS / Verisk?
SurgeQuant Labs provides regional, physics-informed surge interpretation designed to complement broad catalogue models—especially in Florida’s complex coastal zones.
Is this intended to replace our existing catastrophe model?
No. Deliverables provide Florida-specific surge interpretation intended to complement existing model outputs and support internal governance and decision review.
What level of effort or data do you need from us?
Minimal. Public datasets are used by default. Portfolio context can be incorporated when available for improved alignment with internal decisions.
What does a pilot deliver?
A scoped deliverable (briefing, selected hazard grids, or a pilot score) with documentation suitable for internal circulation and review.
Do you provide guarantees on outcomes or losses?
No. Outputs are decision support and scenario interpretation. Deliverables include assumptions and limitations for internal evaluation.
Preparing for the upcoming hurricane season?
Request a pilot or review a sample briefing format first.