Property Intelligence API for Insurance and Reinsurance
Continuous property condition monitoring and risk assessment through satellite imagery, at portfolio scale.
Why do insurers need satellite-based property intelligence?
Traditional property inspection is expensive, slow, and impossible to scale. Physical inspections capture a single moment in time and cannot cover entire portfolios. Meanwhile, property conditions change continuously: vegetation grows, roofs deteriorate, flood exposure shifts with development.
Satellite imagery enables objective, consistent assessment of every insured property without site visits. Underwriters can verify property characteristics at quote time. Claims teams can document pre-loss conditions. Portfolio managers can track aggregate risk exposure across thousands of locations.
How does Universr support insurance workflows?
Universr provides property intelligence through a simple API. Send an address or coordinate and receive condition assessments, risk indicators, and historical change analysis. The platform handles satellite data processing, feature extraction, and change detection automatically.
The key advantage is scale. A single API integration enables assessment of millions of policy addresses. No per-property inspection costs. No scheduling delays. Consistent methodology across the entire book of business.
What property attributes can you query?
- Vegetation proximity and fire risk indicators
- Roof condition signals from spectral analysis
- Flood history based on historical water extent
- Recent construction or modification activity
- Land use classification and zoning compliance
- Neighbouring property conditions and development patterns
What does an example query look like?
POST /api/v1/query
{
"lat": -37.8136,
"lon": 144.9631,
"question": "What is the current condition of this property and has anything changed in the past 12 months?"
}Response
{
"answer": "Property shows stable residential use with well-maintained vegetation. No significant structural changes detected in the past 12 months. Low flood exposure based on historical water extent analysis.",
"evidence": {
"satellite": "Sentinel-2",
"acquisition_date": "2026-05-14",
"change_detected": false,
"flood_risk": "low",
"confidence": 0.88
}
}How does portfolio-level monitoring work?
Enterprise clients register policy portfolios with the monitoring endpoint. Universr continuously tracks all registered locations and raises alerts when significant changes occur. This enables proactive risk management: detect roof damage before claims are filed, identify vegetation encroachment during fire season, or track flood-prone areas after heavy rainfall.
Scale advantage
Satellite imagery analysis scales to any portfolio size. Query 100 properties or 10 million through the same API. Processing costs per property decrease as volume increases.
Frequently asked questions
Can Universr assess individual properties or entire portfolios?
Both. The API accepts single coordinates for individual property assessments and batch endpoints for portfolio-level analysis. Enterprise clients can query millions of addresses through a single integration, receiving aggregated risk metrics and per-property reports.
What property conditions can Universr detect?
The API assesses vegetation encroachment, roof condition indicators, flood exposure based on historical water extent, nearby construction activity, land use changes, and general property maintenance signals. Each assessment includes confidence scores and source imagery attribution.
How does satellite data support claims verification?
Universr archives historical imagery for any location. Claims adjusters can request pre-loss and post-loss comparison reports showing exactly what changed and when. PDF evidence reports include timestamped imagery suitable for claims documentation.