Delos Insurance Solutions

Traditional home insurers rely on historical loss data to underwrite wildfire risk. But as climate change fundamentally alters wildfire behavior, historical loss data is becoming a less reliable predictor of future risk. As a result, legacy insurers are experiencing elevated wildfire losses and are pulling back from wildfire-prone markets, leaving many homeowners with limited or no coverage options.

Delos provides homeowners insurance in wildfire-exposed markets where many legacy carriers have pulled back. It leverages proprietary machine learning models built on satellite imagery, weather and climate data, and property characteristics to evaluate wildfire risk at the individual home level. This approach enables Delos to profitably expand coverage in supply-constrained regions while maintaining a market-leading loss ratio.

Delos has provided insurance to tens of thousands of homeowners who have been denied coverage by other insurers due to perceived wildfire risk.