New platform helps insurers strengthen portfolios and go beyond risk scores by giving homeowners clear, personalized plans to improve resilience, energy performance, and affordability.
BOSTON, MASS., MARCH 25, 2026 – Climative, a property-level climate intelligence firm, today announced the launch of its insurance-focused platform, designed to help insurers communicate climate risk to homeowners in a clear and actionable way. The platform offers step-by-step plans to help homeowners make their homes more prepared for climate risks, while saving energy and keeping costs down.
Across North America, insurers are facing escalating losses from wildfire, flooding, and severe storms. In 2024 alone, natural disasters generated approximately $140 billion in insured losses globally, with 27 billion-dollar events in the United States totaling $182.7 billion, according to NOAA. As these events become more frequent and costly, insurers are under growing pressure to better understand and manage risk at the individual property level.
Climative’s platform provides address-level climate risk insights alongside clear, property-specific adaptation plans. By translating complex risk data into practical guidance, insurers can better understand portfolio exposure while giving homeowners a straightforward path to reduce risk.
While other providers stop at delivering risk scores, Climative is focused on making climate data useful to homeowners through transparent modeling and practical climate adaptation guidance. The platform helps insurers engage homeowners in a more collaborative process that identifies upgrades that reduce climate exposure while using energy cost savings to make projects more affordable.
The platform enables insurers to engage homeowners directly, turning climate risk from a pricing challenge into an opportunity for prevention, value creation, and trust.
Climative’s solution is built around three core principles:
Climative is also flexible by design, allowing insurers to incorporate their own data inputs. The company’s strength lies in transforming that data into usable, homeowner-facing advice.
Climative’s insurance platform includes:
Insurers can deploy the platform as an internal analytics tool, a policyholder engagement solution, or a fully integrated climate adaptation strategy.
“Our goal is to give insurers a way to reduce risk while building trust with policyholders,” said Winston Morton, CEO of Climative. “We help carriers move beyond identifying climate risk to actually fixing it, while giving homeowners clear steps to protect their homes.”
Originally developed for banks, utilities, and public-sector programs, Climative’s technology has been deployed across Canada and the Northeast United States. The insurance platform builds on that foundation, adapting its modeling and planning tools for insurers.
As regulators and reinsurers increasingly scrutinize climate exposure, the ability to demonstrate both transparency and risk reduction is becoming essential.
“Climate risk is putting real financial pressure on insurers,” Morton added. “They need tools that don’t just model risk, but help reduce it in the real world.”
Climative’s insurance platform is now available to carriers across Canada and in phased deployment across the United States. Visit climative.ai/insurance or contact info@climative.ai.
# # #
About Climative
Climative provides building-level intelligence that helps institutions and homeowners understand and reduce climate risk at the individual property level. Unlike traditional data providers, Climative pairs transparent modeling with practical adaptation plans, enabling insurers to engage homeowners, improve resilience, and strengthen portfolios. By connecting data to action, Climative helps make climate adaptation measurable and scalable.
Media Contact:
Daysa Corrington
Mahoney Communications Group
daysa@mahoneycommunications.com
2122205796
Climative provides a collaborative AI-assisted data platform for organizations to enable personalized advice and offers to building owners, taking the guesswork out of building upgrades and transforming the low carbon economy.
We use cookies and other tracking technology to understand how visitors use our site and to improve your experience. By continuing to use our site, you consent to our use of cookies. Learn more in our Privacy Policy.
