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Development of IoT-Driven Home Insurance Platform with Self-Service Portal
  1. case
  2. Development of IoT-Driven Home Insurance Platform with Self-Service Portal

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Development of IoT-Driven Home Insurance Platform with Self-Service Portal

supercharge.io
Insurance
Real estate

Challenges in Florida Homeowners Insurance Market

Florida's homeowners insurance market faces high fraud incidents, rising costs, and declining trust. Customers experience uncertainty about coverage, lack of transparency, and burdensome processes. Insurers struggle with operational inefficiencies, policy cancellations, and limited technological innovation.

About the Client

Digitally-enabled Florida-domiciled Property and Casualty insurer focused on IoT innovation for homeowners insurance

Strategic Goals for Digital Transformation

  • Create an intuitive self-service portal with third-party integrations
  • Implement IoT device strategy for water damage prevention
  • Establish centralized data warehouse for AI-driven insights
  • Reduce claim volume and fraud through proactive monitoring
  • Enhance customer trust via transparent, user-friendly processes

Core System Capabilities

  • Multi-provider IoT device management system
  • Automated FNOL (First Notice of Loss) initiation
  • Real-time leak detection alerts and mitigation workflows
  • Centralized data warehouse with BI dashboard
  • Cross-platform mobile/web portal with policy administration integrations
  • Preferred vendor network coordination for claims

Technology Stack Requirements

Cloud-based IoT platform (AWS IoT/Google Cloud IoT)
Data lake architecture (Apache Spark/Databricks)
Real-time analytics tools (Apache Kafka)
AI/ML frameworks (TensorFlow/PyTorch)
Modern web stack (React/Node.js)

System Integration Needs

  • Policy administration system (PAS)
  • Third-party claims administrators (TPA)
  • Customer relationship management (CRM)
  • Payment gateways
  • IoT device APIs (water sensors, smart home systems)

Operational Requirements

  • High availability for real-time monitoring (99.99% uptime)
  • Scalable architecture for seasonal hurricane response
  • Data encryption and compliance (HIPAA/GDPR)
  • Low-latency alerting system (<500ms response time)
  • Disaster recovery with <15min RTO

Anticipated Business Outcomes

Projected $6M+ annual damage reduction through early leak detection, 30% faster claims resolution, 40% lower fraud incidence, and 25% increase in customer retention. Platform will enable expansion into new Florida territories while establishing market differentiation through IoT innovation.

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