Resources

A technical whitepaper on the AI opportunity to meet national retrofit targets — validating Lightspark's statistical prediction and digital audit models against 59,773 EnerGuide audits, using the same standard operating conditions as the federal benchmark.

• Digital Audit reaches 100% absolute accuracy and 97.5% weighted accuracy against EnerGuide results
• Validated across 44,093 statistically predicted homes and 15,680 simulated digital audits
• Why traditional auditing cannot scale: under 6% of Canadian homes audited, and $13B to audit 90% of the stock
• Alignment with PCAF data quality scoring for lenders reporting financed emissions

A national standard for rewarding resilience — how Canada can systematically reduce climate losses while keeping home insurance affordable for everyone. Instead of mandatory pools, code mandates or pricing penalties, the framework aligns insurers, lenders, governments and homeowners around one property intelligence standard, with Lightspark as the operating layer.

• The Canadian Home Resilience Standard (CHRS) — one national score across energy, carbon, flood, fire and wind
• An incentive engine: insurers earn reinsurance and data support; homeowners earn resilience points for verified upgrades
• A national resilience marketplace — a $3,200 premium becomes $2,100, worth $11,000 over ten years
• Six enabling roles for the federal government: convener, standards setter, data infrastructure, financing catalyst, reinsurance supporter and outcome measurer
• Appendix research on Canada's record $8.55B 2024 loss year, premium surges by province, and a global home-hardening scorecard

Answers to the most common questions about HorizonIQ climate risk intelligence — hazard scoring, data sources, coverage, and how insurers, lenders and governments use property-level climate insight.

A research brief on the 2024 record $8.55B Canadian insured loss year, the national premium surge, deductible hardening, and a global scorecard of home hardening and insurance affordability policies.