For Insurance Carriers

The prevention loop has been open for too long. Rafter closes it.

Verified risk reduction — not alerts, not reports.

Rafter

Hi Amy — temperatures are dropping to 28°F tonight. Based on your home, your pipes may be at risk. Want me to get someone out to winterize your plumbing tomorrow?

Amy

How much would that cost?

Rafter

Around $180 with a vetted provider in your area. It could prevent a repair that typically runs $8,000+. I can book it with one tap.

Amy

Let's do it.

Rafter

Done — Martinez Plumbing confirmed for tomorrow at 10am. I'll send you a reminder tonight.

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Proud to be identified as a Recognized Leader by Scout Insurtech

The Problem

You tried alerts.

Policyholders didn't act.

You offered devices.

Policyholders didn't take them.

You got the claim anyway.

It's not about sending alerts. It's about simplifying action.

How It Works

Sense. Recommend. Act. Verify.

An AI layer that surfaces the right action at the right time — and makes it easy for homeowners to say yes.

SENSE

Scans property data, weather, and maintenance history for emerging risks.

RECOMMEND

Surfaces one prioritized action with cost, context, and a vetted provider.

ACT

Homeowner approves with a tap. Rafter coordinates scheduling and follow-through.

VERIFY

Logs completion with photo, receipt, and timestamp.

Total homeowner effort: one tap.

We've Heard It Before

"We already tried prevention. Homeowners didn't engage."

Most prevention programs fail for the same reason: they ask homeowners to do the work. Alerts require action. Devices require setup. Apps require habit changes.

Rafter is different because we remove the friction entirely. One recommendation at a time. Pre-sourced provider. Pre-priced. Approve or skip in under two minutes.

Homeowners love Rafter because it saves them money and time. That's why they stay — and why prevention actually happens.

The Execution Gap

Prevention fails at execution — that's the part we own.

$47B

of 2024 U.S. home insurance claim costs estimated preventable

550K+

outstanding renewal requirements estimated by one national partner

26 days

before the carrier deadline — a real renewal requirement, closed

1 tap

of homeowner effort per completed action

Preventable-loss share estimated from published industry claim data. Renewal-requirement estimate provided by a Rafter partner. Case figures reflect a real completed engagement.

The Missing Layer

We don't replace your existing tools. We make them actionable.

Carriers have invested in sensors, inspections, and property data. The missing piece is verified homeowner action. Rafter is the engagement and action layer that closes the loop — detecting risk, coordinating the fix, and feeding verified mitigation data back to you.

	Sensors / IoT	Inspections & Data	Rafter
Homeowner engagement	Passive (alert only)	None	Automated, ongoing
Verified mitigation	No	No	Photo + receipt log
Longitudinal visibility	Real-time events only	Point-in-time	Continuous
Risk signal	Event-triggered	Periodic	Live + verified

Rafter integrates with your existing investments — it doesn't compete with them.

Rafter works for the homeowner first. Carriers receive anonymized, portfolio-level insights only — never individual data used to reprice or penalize a policyholder.

Carrier Fit

We work with a small number of carrier partners.

Rafter is built for residential P&C carriers with a direct policyholder relationship and high-frequency loss exposure — and for the independent agencies who want their clients' homes cared for between renewals. We're already working with industry leaders, from national carriers to high-net-worth specialists.

We don't work with every carrier. We work with the right ones.

Prevention that actually completes.

If prevention is a priority for your portfolio, let's talk.

Book a demo →