Identify
Spot households exposed to flood, heatwave, drought, soil movement, storm or outage risk.
Insurers · mutuals · bancassurers · brokers
Turn insurance prevention into measurable actions.
Ward & Raven helps insurers activate policyholders before claims: local exposure, RavenScore, priority actions, 72h GoBag, prevention proofs and steering dashboard.
Insurer dashboard
Prevention portfolio
KPI
Activated policyholders
KPI
Average RavenScore
KPI
Completed actions
KPI
Cohorts to reinforce
01Context
Prevention must become actionable.
Insurers already communicate about climate risks and good practices. Ward & Raven adds an operational layer between prevention messages and claims: a household pathway, a preparedness score, concrete actions and aggregated indicators.
Activate
Offer policyholders a simple pathway to understand exposure and improve preparedness.
Measure
Track RavenScore, completed actions, remaining needs and pathway completion.
Retain
Create a useful, non-intrusive touchpoint before a claim occurs.
02Problem
The issue is not a lack of prevention messages. It is a lack of measurable activation.
An opened email does not prove that a household is better prepared. Insurers need to know whether policyholders understood their exposure, completed the right actions, prepared documents, planned evacuation and improved autonomy.
Hard to measure
Most prevention campaigns do not show whether the household actually acted.
Too often post-claim
The insurer is very present after damage. Ward & Raven helps the insurer be useful before.
Limited behavior data
Portfolio data rarely shows the actual preparedness behavior of households.
Network enablement
Agents need a simple support tool to engage clients without becoming resilience experts.
03Solution
An active prevention pathway for policyholders.
Pulse guides insured households from address to priority actions. RavenScore makes preparedness visible, while the insurer dashboard follows activation and progress in aggregate.
Pulse
The app that guides the policyholder from local exposure to priority actions.
RavenScore
A preparedness score out of 100 that makes prevention readable and motivating.
Prevention proofs
Completed checklists, optional photos, prepared documents, equipment and family plan updates.
Insurer dashboard
Aggregated views by cohort, territory, risk type, campaign or segment.
04Policyholder journey
Useful, simple and non-anxiety-inducing.
The journey increases the household's ability to act. It starts with the address, gives an initial RavenScore, recommends the most useful actions and lets the policyholder document progress.
Address
Local exposure: flood, heatwave, drought, soil movement, storm or outage.
Priorities
Recommended actions based on household profile, home and risks.
Progress
A visible progression from initial score to completed actions.
Aggregate steering
The insurer follows cohorts without turning prevention into individual surveillance.
05Dashboard
Steer prevention by cohort.
The insurer can follow activation, average RavenScore, score progression, completed actions, missing critical actions, equipment needs and cohorts to reinforce.
Portfolio view
Follow by agency, territory, risk type, campaign or segment.
Preparedness view
Understand household preparedness levels and RavenScore progression.
Campaign view
Track invitations, activations, completion, reminders and measured progress.
Impact view
Connect insurer data later to study retention, claims signals and customer relationship outcomes.
06Pilot
Launch a prevention pilot without heavy IT complexity.
Ward & Raven can be tested on a limited policyholder cohort with a digital pathway, aggregated dashboard, campaign report and optional co-branded GoBag.
Duration
3 to 6 months.
Scope
100 to 500 insured households depending on network, territory or target risk.
Deliverables
Pulse journey, initial RavenScore, personalized recommendations, action tracking and campaign report.
Best fit
Home insurance prevention, agent network activation, climate campaign, innovation demonstrator or CSR program.
07Next step