How Insurance Algorithms Predict Your Claims Before They Happen

We examine how property insurers now use satellite imagery, roof age data, and local weather patterns to predict claim likelihood before you even buy a policy. Lucas and Luna break down the specific case of automated underwriting models that adjust premiums based on your zip code's flood risk and storm history. With September 2026 bringing renewed focus on climate-driven pricing, we explore whether these predictive algorithms create fairer markets or simply penalize homeowners in vulnerable areas. You will learn one concrete detail: how often your home is scanned from orbit and what that data actually tells an insurer about your future claims.

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