A localised risk with far-reaching impact
Identifying the properties in your portfolio most prone to freezing-related water damage is a granular, data-intensive exercise that might strain your resources. But not knowing may lead to mispriced policies and unexpected losses.
Assess your freeze exposure for properties in every postcode
Freeze Insight is an analytics model that predicts the relative risk of escape of water claims due to burst pipes following localised frost events across the United Kingdom.
Reliably predict loss across your portfolio
Leverage our high volume of temperature data, which is validated using an extensive claims dataset.
Identify postcodes more prone to cold weather
Determine which properties are more susceptible to freezing temperatures and burst pipe claims due to their location, elevation, and local topography.
Optimise your profitability
Discover where you need to modify your rates to reduce exposure in higher-risk postcodes or gain insight into areas where you have no experience data.
What about escape of water not caused by cold weather?
While Freeze Insight captures escape of water risk caused by cold weather and frost, Verisk’s Escape of Water Insight assesses the risks associated with maintenance-related plumbing incidents.
What about escape of water not caused by cold weather?
Freeze Insight is based on 1.7 million postcode locations and more than 70 million temperature records to predict the relative annual frequency of burst pipe claims due to freezing.
Features and capabilities
Burst pipe claims frequency for every postcode
The model predicts the relative annual frequency of burst pipe claims due to freezing and is based on the available temperature, climate, and property information.
Full UK coverage for postcodes
Freeze Insight is a postcode-level model that’s capable of ranking low- to high-risk properties across the whole of the UK.
Regularly calibrated with the best available data
The model’s temperature data has been collected half-hourly over 20 years from a national grid of weather stations. Postcode data is refreshed biannually to ensure reliable risk estimation for each postcode.
Do more with the Verisk ecosystem
Our suite of underwriting tools and data sets provide granular and accurate insight into the risk associated with any building and the people who live there, along with previous claims information and relevant perils exposure at a postcode or address level.
Automated rapid property characteristics
Underwrite more accurately and efficiently with near-instant building characteristics of residential properties using high-resolution aerial images, street-level mapping, and high-quality proprietary data sources.
Major perils risk assessment
Receive more precise risk estimates of major insurance perils at the postcode unit or address level, including theft, fire, subsidence, escape of water, freeze, flood, storm, and accidental damage.
Interactive property risk mapping
Develop a more comprehensive view of property risk with interactive mapping technology to visualise all the different risk accumulations at an individual address or postcode level.
Property address verification
Identify any address of the 30 million addressable properties in the UK. Ensure your addresses are accurate when making use of any address-level risk model.
Escape of water risk assessment
Use machine-learning algorithms to model the risk of escape of water claims due to non-freeze events in residential properties across the UK.
Contact us to learn more
Please contact us for questions, technical support, or to reach a salesperson. We are available Monday through Friday, 9 a.m. — 5 p.m. BST:
Global toll-free:
International Access code, then 800 48977489.
Main toll-free:
1-800-888-4476