For claims teams
Prevent the next loss.
Every flood claim has the potential for a repeat flood claim, and without structured prevention, recovery just resets the clock. Mitigrate turns the post-event window into a prevention opportunity.
Trusted by industry leaders
Why Mitigrate
Repairing the damage is only part of recovery.
A settled claim can leave a property exposed to the same loss again. Mitigrate helps claims teams identify what could prevent the next flood loss, compare the cost with the expected benefit, and verify that protection is in place.
01
Focus on preventable repeat losses
Identify properties where prevention could make the greatest difference and prioritise follow-up while recovery decisions are being made.
02
Understand what needs to change
Connect the building’s vulnerability and water entry points to measures that could reduce future damage.
03
Make better rebuilding decisions
Compare prevention measures, their costs and expected loss reduction alongside the planned repairs.
04
Follow through with evidence
Verify installed measures and use post-event findings to improve future assessments and recommendations.
In practice
Turn the post-event window into lasting protection.
01
Focus prevention where it matters most
Identify which affected properties offer the greatest opportunity to reduce future flood losses.
Flood claim
Repeat-loss risk
Priority follow-up
Prioritise prevention follow-up using property-level vulnerability and loss-reduction potential.
Identify which properties need an on-site assessment to plan flood prevention.
02
Make prevention part of the repair plan
Assess how specific measures could change the outcome of a future flood before rebuilding decisions are finalised.
Damage assessed
Recommended measures
Repair plan
See recommended measures, estimated costs and modelled losses before and after prevention.
Give adjusters and policyholders clear guidance on which prevention measures to include in the repairs.
03
Understand the risk that remains.
Capture evidence of installed protection and bring it back into the property’s risk assessment.
Measures installed
Verified
Updated risk assessment
Verify measures through guided digital surveys, photos and measurements.
Use post-event analysis to assess performance and inform future claims and underwriting decisions.
For claims teams
Make recovery count towards the next risk decision.
Bring prevention into the claims process, from prioritising properties and guiding repairs to documenting improvements that other teams can use.
Target repeat-loss properties
Focus follow-up on properties where action could reduce the likelihood or severity of another flood claim.
Support adjuster decisions
Provide a consistent view of vulnerabilities, recommended measures and expected benefits during recovery.
Help policyholders act
Explain what to change, what it could cost and how it could improve the property’s protection.
Carry evidence into renewal
Give underwriting teams a documented view of installed measures when the property is reassessed.
Trusted by insurers acting on flood risk at scale.
“
We see great potential in this solution. Over time, we can save several billions of Norwegian kroner in damage costs, and we do not doubt it will be profitable. As a minimum, the need for price increases forced by increasingly intense weather will be reduced.
Geir Holmgren
CEO, Gjensidige
“
Mitigrate is transforming flood risk assessment with its cutting-edge software platform that provides property insurers with actionable recommendations to prevent flood damages.
Rosie Denée
Head of Innovation, Commercial Education & Engagement, Lloyd’s
1:20 – 1:100
Loss modelled before and after prevention at standard return periods.
Costed measures
Recommendations with estimated effectiveness and loss reduction.
Verified protection
Georeferenced evidence of installed measures.
50M+
Buildings covered in the Nordics and the UK.
FAQ
Flood prevention and claims
How can Mitigrate help reduce repeat flood claims?
Mitigrate identifies vulnerabilities that remain after a flood and recommends measures to reduce future damage. Claims teams can use the estimated costs and benefits to support prevention during recovery, then verify that the measures have been installed.
How does Mitigrate support loss adjusters?
PREVENT provides a property-level assessment of flood vulnerability, recommended measures and their expected impact. This gives adjusters a consistent starting point for discussing prevention with policyholders and planning further assessment where needed.
Can prevention costs be compared with repair costs?
Yes. Mitigrate provides estimated measure costs and modelled loss reduction, which claims teams can consider alongside repair estimates. This helps assess whether adding protection during recovery offers a worthwhile reduction in future loss.
How are installed measures verified?
VERIFY guides policyholders, contractors or assessors through a digital survey to capture entry points and installed protection. Photos and measurements provide georeferenced evidence connected to the property.
Does verification show that a measure worked during a flood?
Verification documents what is installed. Post-event analysis adds evidence about how the protection performed during an actual flood. Together, these support a clearer assessment of the outcome and whether further measures are needed.
Can claims evidence inform underwriting and portfolio analysis?
Yes. Verified entry points and installed measures can refine the property’s vulnerability assessment. Underwriting and analytics teams can then use the updated information when reviewing the risk and its contribution to modelled portfolio losses.
Across the carrier
Claims teams don't work in isolation — and neither does Mitigrate.
Take the next step
Help policyholders recover with better flood protection.
See how your claims team can identify the right prevention measures, compare costs and confirm they’ve been installed.