Prevent insurance risks thanks to the Big Data with Namr

Even if the 2 ° C global warming trajectory was respected, the effects on the climate would still be substantial in the medium term, or even in the short term.Indeed, an overall increase in temperature, even contained at 2 ° C, is synonymous with heat waves (loopholes depending on the regions of the globe), more frequent and more abundant bad weather, and threatened agricultural productions, not toquote that these phenomena.It is now a question of anticipating these risks and protecting the territories of this now inexorable development.A real tour de force to lead since it is a question in particular of redefining in -depth the territorial transition strategies to contain and prevent as much as possible damage to come.

Five times more claims costs linked to natural disasters

This was revealed by an echo article in May 2021, ACPR report in support.A climatic stress which is about to drastically redefine the contours of the economy, and to dig social inequalities (insurers could increase insurance premiums from 130 to 200 % to fill losses over thirty years).

Global warming and the influence of human activities on it are proven, the different working groups of the IPCC confirmed it.

Since the 1800s, the average increase in global temperature has been between 0.95 and 1.20 ° C.In France, average temperatures have increased by 1.7 ° C since 1900. Concrètement, les vagues de chaleur sont plus fréquentes et intenses (4,8 fois plus fréquentes qu’il y a 50 ans et 1,2°C plus chaudes, source Le Monde), tout comme les catastrophes météorologiques dont le taux a été multiplié par 5 ​​entre 1970 et 2019 (source : Organisation Météorologique Mondiale).

Temperatures that increase, it is (among others) glaciers that melt.Glaciers that melt and warmer waters, it is an elevation of sea level, and potential new pandemics.Pergélison (soil maintained below 0 ° C for more than 2 consecutive years which currently represents 20 % of the surface of the land emerged) contains pathogens which could potentially be the cause of new pandemics.This risk is very low, but it exists.

The covid was at the origin of almost 5 million dead (4,953,246 at the end of October).In addition to deaths, the pandemic was the source of many consequences on economic activity.GDP has dropped around 7 points worldwide, causing job losses and an increase in precariousness situations within the populations.On the other hand, according to the IMF forecasts, we must expect an increase in basic products (60 % for petroleum products, 30 % above their levels of 2020 for non-petroleum products) Source: IMF.

"If humanity does not massively reduce its greenhouse gas emissions, warming will be even stronger in the second half of the century.France could then undergo warming which could reach additional 4 ° C in 2100.France would then undergo almost permanent heat waves in summer, much longer droughts, the middle mountain would hardly see any more snow and the frosts would disappear practically from most regions.”Source: Météo France

It becomes urgent to transform our societies to offer resilience opportunities in the face of the upcoming crisis.A territory sensitive to climatic vagaries, these are for example habitats close to maritime coasts or watercourses, soils presenting the risk of remonstration-clays of clays or areas subjected to extreme temperatures.If we cannot move entire municipalities, we can for example renovate their built park to adapt it to these new conditions.

And food side?

The dissolution of CO2 in water is underway and will accentuate, causing acidification of the oceans.According to the scenarios, the pH of the oceans could vary in 2100 between 8.0 (similar to the current level) and 7.7.A variation in the tenth is catastrophic for plankton which is the basis of the food chain (it cannot constitute a shell of this fact).In the years to come, we must expect drastically less abundant peaches and therefore at least one threatened profession.

On another level, 80 % of Emilie and Benjamin's wine property was wiped out in a single night after an episode of particularly severe frost for their fruits.This may seem counterbidden, but this type of incident will be intended to occur more and more often with the evolution of the climate.Indeed, the year 2021 experienced a very soft month of March, and the buds opened too early, making them vulnerable to frost.The thermal shock caused by the frost that followed has decimated a large part of their harvest.10 out of 13 French regions were affected by this same wave.

No profession is immune to global warming.An increase of half a degree has repercussions on all savings, even those based on tourism in regions where one might think that an increase in temperature could only have a limited impact.In certain areas for example, the economies of these territories are based on coral reefs which are very sensitive to temperature increases.At 1.5 ° C degree of temperature increase, the vast majority of coral reefs (70 to 90 %) is severely degraded, and as a result, the ecosystem that depends on it.At 2 ° C, it is almost wiped out.To give another example, the impacts on the ski resorts are so obvious that it does not seem necessary to linger on it.Even the transfer of sliding activities to the valve is not so obvious, because the rock currently below the ice is weakening as it melts and the temperature increases.

A wall of consequences is looming on the horizon, and for each of the bricks, the big data can help to analyze phenomena and to size adaptation solutions.

Act concretely, data in reinforcement

Preserving biodiversity has become an emergency for which global consortiums are constantly training to build complex plans over several decades.These strategies notably point to carbon emissions and energy consumption.

Among the findings, we can be interested in urban areas which concentrate 3 billion human beings and who are at the origin of 3/4 carbon dioxide emissions.By 2050, demographers expect 3 billion more human beings to live in urban areas.If we do not change construction mode and if we do not renovate the housing stock, this would bring us to half an additional degree of overall increase.Spoiler Alert: Each half degree counts.

Concretely, the renovation of the housing stock is one of the essential solutions that are shareable by cities to tend towards their resilience to climate change.The preservation of natural spaces is a necessity, but it will also be necessary to accommodate more and more inhabitants, and keep them safe from heat waves or particularly intense gel episodes.All this by minimizing their impact on the environment.Challenge accepted ?Spoiler Alert n ° 2: we no longer have the choice.

At the bedside of these transitions to operate in emergency, we can cite the big data which has the capacity to aggregate and process billions of data, allowing to accelerate decision -making, but also to help public and private actorsto build solutions with the maximum impact.

Indeed, technologies are able to develop algorithms capable of identifying the buildings of buildings bearing the best energy renovation yield, or the most promising roofs in terms of solar potential.

A company has embarked on this path for 4 years and has developed solutions facilitating the action of the decision -makers involved in the ecological transition.

Qualify 100 % of the French building and territories thanks to data, namr (dice) concrete the future

Young nugget of Greentech, Namr poses as champion of environmental data.The company has already been awarded several times for its tech expertise and its environmental commitment.She received the Award "Tech for Climate Change Mitigation" awarded by cognition X, labeled Greentech Innovation by the Ministry of Ecological Transition or more recently designated French Tech Green 20 which rewards the 20 most impactful French startups.

Namr was founded in 2017 and its mission is to optimize knowledge of buildings and the environment in the broad sense thanks to the big data.The company recently listed on the stock market produces with high added value to improve the environmental and commercial performance of its customers.

4 années de R&D ont été nécessaires pour construire un solide processus de production de données constamment enrichies et mises à jour.The young shoot delivers solutions adapted to different use cases, and organized its Asknamr platform to be able to serve its attributes on a set.

How to prevent insurance risks thanks to NAMR data?

Namr has developed attributes allowing to have visibility on the various climatic and geological risks, with the mesh of the building and massified over the whole of France.Among the sectors for which Namr's offer could be essential to insurance players, we can cite agriculture.

The company does have data relating to drought, the composition of the soils, the remoncing of clay soils, or natural disasters such as storms.These data available on the whole of France have great potential, increased tenfold if they are interopened between them.A boon to anticipate the risks linked to food supply.In addition, the company is able to identify the dilapidated buildings at the address, and also offers energy renovation scenarios.The damage that agricultural buildings can undergo (very often dilapidated in France) is generally very expensive, because the equipment is specific to the sector and sub-sectors.

In the field of home insurance, Namr has established a partnership with Addactis to build the Smart Home Insurance offer.This has the advantage of simplifying the subscription process and accelerating the processing of claims compensation in multi-risk home.

Indeed, in a conventional subscription course, the customer must answer 19 questions for which certain answers are ultimately proving to be unusable for the insurer.The Smart Home Pricing product allows the insurer to do without certain questions, because the non -personal data of NAMR already allow access to the precise information of the accommodation for which a subscription offer is envisaged.Thus, the performance of associated risk models is improved up to 40 %.

NAMR data can also be used by each insurer to supply their scoring models.They allow them to better qualify their customers and their portfolio.

A first in the sector and a certain innovation since at Namr, no personal data is exploited.The company puts the data necessary in the hands of its customers to easily integrate them into their tools.

For more information, go to the NAMR site, producer of geolocated data

About Namr

Pure Data Player, Namr is a producer of geolocated contextual data whose mission is to describe the world by data.With its 4 years of research and development, Namr creates, transforms, and enhances the news of the billions of source (or raw) data on a daily basis to produce original and unpublished attributes that allow public and private actors to enhance their heritage, to control effectivelytheir transformations and fluidify decision -making.Namr has created an innovative technology that qualitatively and quantitatively characterizes the building and the territory throughout France.Since May 3, 2021, Namr is one of the winners of the French Tech Green 20 program, which identifies technological leaders in the ecological transition.