USE CASE
The wildfire is already moving. Your re-rating runs tomorrow.
A catastrophe alert fires. A hurricane shifts course. A flood crests. Your batch re-rates overnight. Customers and reinsurers wait for the morning report.
npayload re-rates the entire affected book in seconds. Live catastrophe signals. AI policy re-rating. Cross partner delivery to reinsurers and brokers. Every action recorded for the regulator.
WHAT THIS LOOKS LIKE
Six catastrophe signals your batch cannot respond to.
Modern catastrophes move at modern speeds. Each signal below is a moment where waiting for batch costs lives and money.
Your apps
right now
Wildfire advances
Affected ZIPs change minute by minute
Hurricane path shift
New cone, new exposure
Flood crest forecast
Re-rating window measured in hours
Earthquake aftershock
Risk model needs immediate update
Cyber catastrophe
A widespread incident hits dozens of policies at once
Supply chain rupture
Industry wide claims about to spike
Every signal is policy exposure that should be re-priced now.
WHICH NPAYLOAD WEDGES
Three wedges. The book re-rates in seconds.
Feeds for live catastrophe data. Pipes for AI re-rating. Connect for partner notification.
ONE WILDFIRE ALERT, END TO END
A wildfire advances at 14:00:00. Affected policies re-rate by 14:00:00.5.
Faster than the local news reports the perimeter change.
Alert lands
Cal Fire or equivalent publishes new perimeter.
Feeds delivers
Subscribed feed pushes the alert with affected geography.
Pipes identifies
AI matches affected policies against the new geography.
Re-rating committed
Every affected policy re-rated. Hash chained audit.
Reinsurers notified
Connect delivers updated exposure to reinsurance partners.
Three flavors of catastrophe response.
Each one a quarterly process compressed to seconds.
Geographic re-rating
Policies in the new affected area get the right exposure rating immediately.
Pre claim outreach
Customers in the affected zone receive proactive guidance before they file.
Reinsurer coordination
Updated exposure data flows to reinsurance partners in real time.
What teams ask before they ship.
Direct answers.
"Re-rating is a regulated process."
Hash chained audit on every decision. The full pricing chain replayable. Regulators get the evidence they need.
"Our partners want EOD reports."
Keep the reports. Add live signals on top. Both feeds the same source.
"What about model drift during catastrophe?"
Pipes monitors model performance against actual claim outcomes in real time. Drift detected, model retrained or fallback engaged.
Use case questions.
The catastrophe moves at its speed. Your response should match.
Subscribe to one live catastrophe feed today. Run your first AI re-rating this afternoon.
Join the waitlist.