Understand Default Risk
Work with our experts to produce a risk assessment including loss potential due to uninsured risk from natural perils (earthquake, flood, wildfire).
Improve Loan Underwriting
Improve accuracy and efficiency when evaluating risks from natural perils such as earthquake and flood during loan underwriting with RMS solutions.
Inform ESG Reporting
Obtain climate metrics, quantify impacts of climate change on physical assets, and influence long-term business strategy.
Assess a location’s risk to multiple perils and key third-party insights in seconds with this application.
Tap into insights on conditions, circumstances, or situations that make a loss more likely to inform underwriting decisions.
Quantify both affirmative and silent cyber risk to take advantage of market opportunity with the RMS probabilistic cyber catastrophe risk model.
Make better risk-based decisions with loss metrics for property and workers’ compensation lines using industry-leading terrorism models.
Sierra Ltd. – Parametric Mortgage Risk Transfer
Earthquake can lead to widespread mortgage defaults. As borrowers hand back keys for destroyed properties, lenders are left with no possibility to recover their losses. RMS analytics and expertise on parametric risk transfer enabled a large investor in U.S. mortgage-related securities to transfer a layer of this risk to the capital markets, through a first-of-its-kind catastrophe bond issuance, Sierra Ltd.
Screening for Flood Risk During Property Acquisition
A leading commercial real estate company has taken a strategic decision to invest in properties that will continue to be viable over a 30-year period. Focusing on flood, RMS data and tools enabled the entity to assess risk on a site-by-site basis and only acquire properties with low flood risk.
Seismic Risk Screening During Loan Underwriting
A commercial lender wanted to improve its loan underwriting process to consider seismic risk to multi-family properties. Using RMS products, the lender built out a process to rapidly screen properties at risk for loss due to an earthquake event.
Understanding a Utility Portfolio’s Exposure to Wildfire Risk
An investment firm wanted to understand the risk U.S. wildfire posed to its utility's investments. RMS computed county-level loss amounts from fire. The investment firm utilized this data to determine the utility company’s exposure to wildfire risk.