For underwriters & E&S brokers
Screen every submission before you bind it.
Pull a multi-peril hazard report on any US address in under a second. Validate the agent's risk narrative against federal source data. Catch the wildfire exposure the application didn't mention.
The challenge
What’s holding your team back
Submissions arrive without hazard context
The ACORD app tells you the address, construction, and square footage — but not that it sits in a FEMA AE zone, 800 meters from a historic wildfire perimeter, on karst geology.
Manual hazard research burns underwriting time
Your underwriters tab between FEMA Map Service, USGS, and NOAA Storm Events to validate a single property. That is 15 minutes per submission that could be 400 milliseconds.
Accumulation risk is invisible at bind time
You can bind 50 properties in a SLOSH Cat 3 inundation zone without knowing it until after a named storm hits.
E&S placement narratives lack data backing
When your E&S broker pitches a risk to a carrier, the narrative is only as strong as the data behind it. "Trust me, it's a good risk" does not survive an underwriting audit.
The solution
What underwriters and MGAs get from GridHazard
Pre-bind property risk snapshot
One API call returns wind, flood, wildfire, hail, earthquake, surge, environmental, and climate risk for any US address. Attach it to the submission file.
Radius and portfolio analysis
Screen a portfolio CSV or analyze every property within a radius for concentration exposure. NFIP claims history, SLOSH surge depth, storm event frequency — all in one pull.
E&S submission support
Generate a data-backed risk narrative for E&S placement. Attach a GridHazard report to the submission — carriers see federal-source evidence, not just an agent's word.
Wildfire-specific intelligence
CAL FIRE FHSZ zones, NIFC burn perimeters, WUI classification, fire station proximity, structure damage history — purpose-built for wildfire-exposed books.
FEMA vs. SLOSH gap detection
Identify properties where the FEMA flood zone says X but the SLOSH model says Category 3 surge reaches the parcel. Surface the gap before the storm does.
Sub-400ms API response
Fast enough to embed in your underwriting workbench. No batch lag, no next-day turnaround. Real-time hazard data at the point of decision.
Pull a report on your hardest-to-place risk.
Give us the address of a property your team spent 30 minutes researching. We will return the same data in under a second.
Try a sample address →