Price fire where it is coming, not where it has been.

A date, a path and a loss for every parcel in the book, in the metrics you already use, with the accuracy behind each. Carriers cannot price a peril whose timing they cannot see. PRIMER shows the timing.

Request a pilot In your metrics

The forecast lands in four places.

Pricing and underwriting

A date, a probability and an expected loss per parcel, into the rating engine beside the score you already use.

Pre-event action

Alerts at 14 and 7 days trigger defence dispatch, policyholder communications and mitigation offers.

Catastrophe management

Forecast dates and losses aggregated across the book, to reserve and retrocede against the coming weeks rather than the average.

Claims

A forecast that a burned parcel was inside the window is evidence of cause, timing and whether mitigation was possible.

Selection

Retain the majority that will not burn. Write the book your competitors are leaving.

A postcode-priced competitor treats every parcel in a high-risk ZIP as though it will burn this season. A date-priced carrier defends or non-renews the parcels with a date and retains the rest at a margin. The loss-ratio arithmetic is the smaller part; the selection effect is what compounds.

In your metrics

Reported so actuarial and catastrophe teams can use it without translation.

PRIMER does not replace your catastrophe model. It supplies the one input the model lacks, the state of the fuel, day by day, and reports in the model's own terms.

Average annual lossForecast-conditioned expected loss for the season ahead, by parcel and by book.

Exceedance probabilityA season-ahead curve from the fires the fuel state makes possible.

Insured value in the pathAccumulation by region and by date, managed before the event.

Loss-ratio attributionAvoided loss per intervention and per season, scored against realised claims.

Model accuracyHit rate, lead time and false-positive rate beside every forecast.

The platform

Every parcel, its days to 90%, the path, the loss and the accuracy behind it.

Underwriting, catastrophe and claims teams see every land area in which they hold exposure down to the hectare. For a parcel with a date the platform plays the fire through and sets the cost of each intervention beside the loss it avoids.

Reinsurers and parametric platforms can build products on a dated trigger that do not exist today. Pyrome supplies the trigger and takes no risk.

Add-on

The Intervention Plan puts a named agent between your book and the county.

The parcels where the book is concentrated have a county road, a state crew and a utility line running through them: levers a carrier cannot pull. On the plan, a named agent works them on the date, and the ledger is a documented standard of care behind a non-renewal or a rate filing.

How the plan works →