Transcript CDS Business Mapping

CDS Business Mapping
Mapping for the Next Millennium
RiskMeter Online
Wildfire Hazard Model
Features & Benefits
How the Model Was Created
CDS used CALVEG
vegetation data to create
the model.
CALVEG breaks down
vegetation/landcover into
60+ categories for the
state of CA.
While CALVEG is excellent data, there are two main problems:
- 60 categories are too many for underwriters to deal with
- The user does not know which categories have a high potential to burn
CDS Business Mapping
Mapping for the Next Millennium
CDS Reclassified the 60 categories into 4
CDS did research on how well each type of “fuel”
burned
The 60+ categories were then reclassified based
upon the research into 4 categories as follows:
- High
- Medium
- Low
- Very Low
CDS Business Mapping
Mapping for the Next Millennium
The CalVeg is Transformed
Into Useable Info:
This is Transformed
CDS Business Mapping
Mapping for the Next Millennium
Into This
If your currently using the Renie Ad Map or
Robinson Rating Maps, this is what you’ll see.
The user is
expected to
find the
house, and
then
“Guestimate”
the distance
to brush with
the scale bar.
This is inaccurate and wastes time!
CDS Business Mapping
Mapping for the Next Millennium
In Addition, Renie Books Only
Cover Six Counties
Not
Covered
By Renie
Counties
Covered
by Renie
CDS Business Mapping
Mapping for the Next Millennium
If you’re using
the Renie
books now,
what is your
solution for
the remainder
of the state?
Renie Maps
VS
RISKMETER
Renie Maps only cover
RiskMeter Covers the
the purple counties!
CDS Business Mapping
Whole State!!
Mapping for the Next Millennium
The Wildfire Hazard Model will give you a
complete picture of brush hazards.
Actual
RiskMeter
Lookup
This product is ideal for insurers and agents
to screen properties for proximity to brush.
CDS Business Mapping
Mapping for the Next Millennium
Where is the Brush in California?
Everywhere!
CDS Business Mapping
Mapping for the Next Millennium
Zip and County Lists don’t Work!
 There is brush throughout the
state
 Failure to check addresses in
most counties could result in
missing large patches of brush
The brush patterns do not
follow Zip Boundaries as
shown on this map!
 Zip lists must be constantly
updated, and become out of date
quickly
CDS Business Mapping
Mapping for the Next Millennium
 Where would you come up
with a list of Zip’s?
Where is the Brush in California?
Size of High Risk Areas - Top Counties
1,800,000
Inyo
1,600,000
Lassen
1,400,000
San
Bernardino
San Diego
Acres
1,200,000
Santa
Barbara
Los Angeles
1,000,000
800,000
Modoc
600,000
Mono
400,000
Riverside
200,000
Ventura
-
Counties
CDS Business Mapping
Mapping for the Next Millennium
To calculate the distance to brush hazards, the
RiskMeter uses a set of concentric circles to
measure the distance to brush fire hazards.
0.5 Miles
1.0 Miles
1.5 Miles
CDS Business Mapping
Mapping for the Next Millennium
We can set the brush distances to meet your
underwriting guidelines
0.25 Miles
1.0 Miles
0.50 Miles
1.5 Miles
0.75 Miles
2.0 Miles
1.00 Miles
Some companies use equal increments
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Mapping for the Next Millennium
Others use only the distances used in
their brush guidelines
CDS has now added aerial images which
appear side-by-side!
Note the two maps are exactly the same size and scale!
If you zoom in on one, the other map will automatically re-scale!
CDS Business Mapping
Mapping for the Next Millennium
The RiskMeter
 Automatically determines the proximity to brush
The underwriter does not have to interpret the map at all
 This is a state-wide solution
Actually, the CDS Wildfire model now covers 11 states!
Because there is brush throughout the state, it should be used on ALL
risks
Uses your distance guidelines
It uses the distance parameters as set by you. No need to “measure to the brush”
Can be automatically used to quote & bind because it gives back a
specific value
CDS Business Mapping
Mapping for the Next Millennium
If we inspect properties, why use the
RiskMeter?
 Inspections are at the end of the process, not the beginning
 You want to identify brush concerns up-front
 Why have the agent do work if the property will be declined?
 Why have the homeowner apply if they will not be accepted?
 Why have the underwriter do work if the property will be
declined?
 Failure to screen up-front will result in angry agents and
prospects!
 You are asking underwriters to do unnecessary work
CDS Business Mapping
Mapping for the Next Millennium
When should the RiskMeter be used?
 The RiskMeter should be used by both agents and
underwriters to screen for brush up-front
 Companies may choose to pay for agents, or agents can sign
up for an account on their own
 The RiskMeter can be linked to agent portals for auto-login and
to use the company’s underwriting rules
 The product can also be integrated into underwriting systems
 Because there is brush throughout the state, the product
should be used to check for brush on all risks
CDS Business Mapping
Mapping for the Next Millennium
QUESTIONS
For Further Information, Contact
CDS Business Mapping
67 Broad St - 6th Floor
Boston, MA 02109
617-737-4444
www.cdsys.com
The RiskMeter is Simply the Best!
CDS Business Mapping
Mapping for the Next Millennium