Turn property risk into a mitigation strategy.
Lightspark helps insurers understand fire, wind and flood exposure at the property level — and helps policyholders make the improvements that reduce it.
Fire Score
4/5
Annual Premium
$3,240
Flood Score
3/5
Premium Discount after Mitigation
15%
Risk is priced at the postal code. It is created at the property.
Climate losses keep rising while underwriting still relies heavily on regional averages. Insurers need building-level insight, and a practical way to move policyholders toward mitigation rather than only repricing risk.
“By focussing on a deep data warehouse, they have developed a solution that will allow insurers, financial institutions and homeowners to make timely decisions to make the investments that will reduce risks and costs.”
Tamara Vrooman, O.B.C.
Former CEO, VanCity Credit Union and Chair Canada Infrastructure Bank, and currently CEO Vancouver International Airport
A $2–6k Home Improvement Opportunity
HomeIQ finds the opportunity. Engage turns it into action.
With HomeIQ
- —Fire, wind and flood scores for individual properties
- —Building characteristics, roof condition indicators and replacement context
- —Energy and carbon performance alongside physical risk
- —Portfolio-wide exposure views through the API
With Engage
- —Give policyholders a clear view of their home's risk profile
- —Recommend specific mitigation upgrades, with costs and incentives
- —Tie resilience improvements to policy programs and offers
- —Connect policyholders to qualified trades to complete the work
“Lightspark can enable Leading Banks to identify the most impactful opportunities for energy and carbon savings within their communities with greater precision.”
Chris Castro
former Chief of Staff, U.S. Department of Energy; Executive Director, Climate First Bank
Don’t just identify climate risk. Help homeowners reduce it.
HomeIQ and HorizonIQ help insurers understand the property and its climate exposure. Engage gives policyholders a personalized pathway to make their homes more resilient.
HorizonIQ
Know the risk
- Wildfire
- Flood
- Wind
HomeIQ
Know the home
- Building
- Envelope
- HVAC
- Energy
- Retrofits
Engage
Improve the home
- Recommendations
- Products
- Projects
- Progress
Insurer
Reward resilience
- Points
- Rewards
- Incentives
- Insurance benefits
The insurer determines program eligibility, underwriting treatment, deductibles and any premium or other insurance incentives.
Start with property-level risk.
HorizonIQ provides property-level wildfire, flood and wind intelligence. HomeIQ adds intelligence about the physical home. Engage turns that intelligence into action.
Turn insurer intelligence into homeowner action.
Translate complex climate and property data into simple scores and practical recommendations that policyholders can understand.
“Lightspark can enable Leading Banks to identify the most impactful opportunities for energy and carbon savings within their communities with greater precision.”
Chris Castro
former Chief of Staff, U.S. Department of Energy; Executive Director, Climate First Bank
“Lightspark has developed a new ecosystem for banks, insurance companies and homeowners that can help decarbonize houses and future proof people’s most valuable assets.”
Dr Wal Van Lierop
Founding Partner, Chrysalix Venture Capital
Reward homeowners for improving resilience.
Engage can support insurer-designed programs where homeowners earn points for completing eligible improvements.
- Understand Risk
- Choose Improvement
- Complete & Verify
- Earn Points
- Insurer Reward
Resilience points · Rewards · Deductible incentives · Potential premium incentives · Financing · Rebates
Program rules, eligibility, underwriting treatment and insurance benefits are determined by the participating insurer.
A new tool for managing climate risk.
Loss prevention
Help homeowners address vulnerabilities before losses occur.
Customer engagement
Create an ongoing relationship beyond renewal and claims.
Resilience
Encourage investment in stronger Canadian homes.
Portfolio intelligence
Connect property characteristics, climate risk and homeowner action.
Explore Engage for your policyholders.
See how HomeIQ, HorizonIQ and Engage can support a homeowner climate-resilience program.
Lightspark Property Intelligence API
Score fire, wind and flood exposure on every address you underwrite.
More precise, property-level underwriting and pricing signals
Measurable reduction in exposure through completed mitigation
Stronger policyholder relationships built on prevention
“Lightspark has developed a new ecosystem for banks, insurance companies and homeowners that can help decarbonize houses and future proof people’s most valuable assets.”
Dr Wal Van Lierop
Founding Partner, Chrysalix Venture Capital