Patent Reg: 2026/04111

Insurers

Turn estimated risk into verified reality

A digital property intelligence platform enabling better underwriting, faster claims validation and measurable risk reduction.

<48 hrs​

Claims processing, down from 10–14 days​

<1%​

Fraudulent claims, down from 4.5–7% average

<4%​

Customer turnover, down from 12% annual​

Data-driven​

Loss ratio, down from high & estimation-based​

Insurance claim rejections up to 18% due to poor upkeep

Why claims are rejected:

  • Wear and tear
  • Gradual deterioration
  • Poor Maintenance

How to avoid rejection:

  • Maintain your home regularly
  • Fix leaks and roof issues early
  • Ensure security systems are working
  • Update cover to replacement value
  • Keep receipts and records

Current insurance operations face multiple near-zero visibility gaps across the property lifecycle

Maintenance transparency

Limited proof of preventive maintenance and property upkeep.

Product authenticity

No consistent proof of products used, warranties or installation details.

Validated risk assessment

Risk decisions rely heavily on client declarations and fragmented records.

Contractor transparency

Limited visibility of qualified contractors, job execution and sign-off.

Improvement liability warranty

Insufficient evidence of improvements, warranties and ongoing compliance.

Property DNA registry

Legal vault, title deeds, plans and compliance certificates.

Property maintenance platform

Evidence-based upkeep history and contractor records.

Moveable asset inventory

Proof of ownership, product records and warranties.

Warranty control

Expiry alerts, product authenticity and compliance tracking.

Qualified contractor verification

Verified contractor engagement and sign-off.

Property certification

Compliance-based rating and condition reporting.

Indirect Claim Reduction

Fraud reduction:

Estimated 12-18% of   water   claims have fraud/exclusion elements.

Subrogation leverage:

If Owner/contractor didn’t do required PM, insurer can introduce higher excess.

Reinsurance impact:

Lower loss ratios = better treaty terms. A 10% drop in claims frequency can drop reinsurance cost 3-5%.

Admin cost:

No PM = 3x more assessor visits + disputes.

PM proof = desktop approval. Saves R800-R1500 admin per claim.

Customer retention:

Prevented claim = no excess, no premium hike. Reduces churn.

<48 hrs​

Claims processing, down from 10–14 days​

<1%​

Fraudulent claims, down from 4.5–7% average

<4%​

Customer turnover, down from 12% annual​

Data-driven​

Loss ratio, down from high & estimation-based​

COMMERCIAL BENEFITS: FINANCIAL IMPACT

For a home insurer with 100k policies:

  • Avg 6% of homes claim p.a. = 6,000 claims
  • Avg claim R22k = R132m annual loss
  • If PM proofing cuts frequency 35% + severity 20%:
  • New claims = 3,900
  • New avg = R17.6k
  • New loss = R68.6m
  • Saving = R63.4m/year
  • Cost of Saving R14.4m
  • Net Saving = R54.2m/year
  • -41%

For a home insurer with 100k policies:

  • Avg 6% of homes claim p.a. = 6,000 claims
  • Avg claim R22k = R132m annual loss
  • If PM proofing cuts frequency 10% + severity 20%:
  • New claims = 5,400
  • New avg = R17.6k
  • New loss = R95.04m
  • Saving = R36.96m/year
  • Cost of saving = R14.4m
  • Net saving = R22.56m/year
  • -17%

Underwriting requirement management

Supports requirements such as surge protectors, security systems and gate motors.

Advanced Intelligent Administration

Manages smart property, keeping them recorded, maintained, and traceable.

Improved risk assessment

Proof of maintenance helps insurers price and underwrite more accurately.

Customer accountability

Policyholders are encouraged to maintain assets and retain records.

Claims ratio improvement

Better risk data supports reduced claims frequency and severity.

Reduced claims

Regular maintenance helps prevent or minimise avoidable losses.

Lower assessor fees

Desktop assessment and data insight reduces manual validation effort.

IA’S VALUE PROPOSITION

Protecting Reputational Risk

Reputational risk is protected by creating a verified, auditable, and defensible record of every property, contractor, maintenance action, and claims-related decision.

Strengthened governance

Geo-tagged, time-stamped records create a trusted audit trail and reduce title deed fraud.

Compliance

One digital record simplifies NHBRC and municipal compliance.

Lower loss ratio

Verified property data improves risk assessment and reduces fraud-related claims.

Buyer & seller confidence

Verified ID-to-title checks protect both parties from fraud and impersonation.

Higher customer lifetime value

Transparency builds trust, loyalty and long-term retention.

Secure & Resilient Infrastructure

Private cloud with redundancy across power, hardware and cooling, supported by 20+ years of secure hosting experience.

Advanced Protection & Access Control

Private cloud with redundancy across power, hardware and cooling, supported by 20+ years of secure hosting experience.

Continuous Backup & 24/7 Support

Daily monitored backups with 30-day retention and rapid recovery in case of data loss.

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