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

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

supercharge.io
Insurance
Information technology
Environmental services

Challenges in Florida Homeowners Insurance Market

High fraud incidence, escalating operating costs, and declining carrier participation in Florida's insurance market. Customers face distrust toward insurers, lack of transparency, complex claims processes, and insufficient proactive risk mitigation solutions. Existing systems fail to leverage IoT data for damage prevention and fraud reduction.

About the Client

Digitally-enabled Florida-domiciled property and casualty insurer focused on IoT integration and AI-driven risk mitigation

Objectives for Digital Transformation

  • Create an intuitive self-service portal integrating policy administration, claims management, and IoT device systems
  • Implement IoT-driven water damage prevention system with automated mitigation workflows
  • Establish centralized data warehouse for AI/ML-enabled analytics and reporting
  • Enhance customer trust through transparent processes and proactive communication

Core System Functionalities

  • Multi-integrated customer self-service portal (policy admin/TPA/CRM/IoT)
  • IoT device management system with leak detection alerts
  • Automated FNOL initiation from sensor data
  • Centralized data warehouse with business intelligence dashboard
  • Preferred vendor network integration for mitigation services
  • Cross-platform mobile applications (iOS/Android)

Technology Stack Requirements

Cloud-native architecture (AWS/Azure)
Data lakehouse implementation (Snowflake/Redshift)
IoT platform integration (AWS IoT/Google Cloud IoT)
AI/ML frameworks (TensorFlow/PyTorch)
Modern web stack (React/Node.js)

Critical System Integrations

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

Non-Functional Requirements

  • 24/7 system availability with 99.99% uptime SLA
  • Real-time sensor data processing (<500ms latency)
  • Enterprise-grade data encryption and compliance (HIPAA/GDPR)
  • Horizontal scalability for 1M+ IoT devices
  • Disaster recovery with <15min RTO

Expected Business Impact

Projected $6M+ annual reduction in water damage claims through early leak detection. 30% faster claims resolution times with automated FNOL. 25% increase in customer retention through proactive risk mitigation. 40% reduction in fraud losses via IoT-verified claims. Scalable platform foundation for future AI initiatives including predictive maintenance and usage-based insurance models.

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