Climative builds low carbon plans

Be Your Policyholders' Trusted Source for Climate Mitigation Advice

Climative is the home upgrade portal that turns climate data into actionable plans for homeowner safety, comfort, and affordability. White-label or co-brand the experience for your policyholders.

Climative turns climate risk data into homeowner action. Use our homeowner engagement portal to guide them toward home improvements that decrease claims, lower long-term risk, and turn a transactional relationship into a trusted partnership.

Help homeowners lower risk - at scale.

Give every policyholder a clear path to reduce risk. Climative delivers personalized adaptation plans at scale, including climate risk profiles, mitigation scenarios, projected impact, and homeowner-friendly resources.​

Tailored home upgrade paths let policyholders prioritize home improvements based on what matters most to them: climate resilience, comfort, affordability, and energy use. We understand that home upgrades have co-benefits (like updating attic insulation to mitigate moisture damage AND lower energy bills), so users are guided down a common-sense path to achieve the home they want.

Policyholders start by viewing their climate risk exposure (wildfire, flooding, etc.) and are presented with mitigation measures, the project’s cost, and its impact on their risk exposure. The portal can also be customized to connect to contractors, coaches, and other helpful resources. 

Climative gives instant advice with no effort from the homeowner (where data is available). We can process 1M+ buildings daily with 100% coverage to add new communities rapidly. 11M+ building assessments are already on the Climative platform. 

PCAF-accredited to meet data quality level 3, proven in projects with industry-leading institutions using our proprietary ACM™. We proudly partner with leading data providers and align with existing guidelines for resilience measures. Contact our Data Scientist to learn about our data sources.

A Better Way To Talk About Climate Risk

Climate Mitigation, Deployed at Scale

Deploying Climative is like hosting thousands of climate conversations at once. Help policyholders understand the upside of mitigation.

Icon tile - 2

Increase retention through trusted engagement

Be your policyholders’ trusted source for helpful and honest advice, so they can feel safer in their home with you at their side.

Icon tile - 3

Reduce claims with early homeowner action

Turn climate risk insights into measurable mitigation steps that protect homes and improve loss performance.

Put property risk data in the
homeowner’s hands

Homeowners make big decisions about their homes every year. They deserve to know what their home is up against.​

Climative shows them. Policyholders understand their exposure to climate perils, prioritize resilience upgrades, and identify complementary energy efficiency improvements that can make investing in home protection more affordable. A homeowner who can see the risk can act on it.​

Shared Risk Intelligence

See the full picture

Multi-peril risk at the address level, explained in terms homeowners understand.

Know the next step​

Every risk comes with specific measures, cost estimates, and available incentives.​

Transparent by design​

Sources and methods are documented under a Responsible AI Framework.​

Bundled Co-Benefits

Resilience upgrades that
pay their way

A roof needs replacing. A furnace is nearing the end of its life. An electrical panel needs upgrading.​
​
Every home improvement is an opportunity to build resilience.​
​
Climative connects climate risk insights with energy efficiency and home improvement recommendations, helping homeowners make investments that deliver benefits beyond the immediate need.​
​
A safer home. Lower energy costs. Greater comfort.​
​

Bundled home upgrades cost less and save more

Homeowners plan related upgrades as one project, lower their labor costs, and see the payback in energy savings and comfort, along with a more resilient home.

Explore some examples below

  1. Starts with

    Roof replacement

    Resilience

    Fire and wind resistance

  2. Add

    Exterior attic insulation

    Energy savings

    Lower energy bills

  3. Add

    Ember-resistant attic vents

    Resilience

    Reduced fire risk

  4. One project

    Lower labor costs, more payback

    • Fire and wind resistance
    • Lower energy bills
    • Reduced fire risk

One project, multiple co-benefits.

Why insurers use Climative

Built to reduce claims

Policyholders act on risks before an event.

Helps keep homes insurable

Hardened homes are easier to cover at renewal.

Conversations beyond renewal and claims

Talk to policyholders about bills, comfort, and safety all year.

Micheline Joyce

Let's Talk.

Speak with our VP Business Dev to discuss licensing our building-level data and engaging policyholders with our apps. Find her on LinkedIn.

Our Clients and Partners

Continued Reading