CARRIER CLAIM PREVENTION > Loss Prevention

Loss Prevention

Chloeta provides carriers with real-time wildfire response support, including prepositioning resources to protect policyholder property and reduce insured losses. This hands-on approach enables timely risk mitigation and effective communication throughout a wildfire event. 

Policyholder Education 

Chloeta supports insurance carriers and their policyholders by delivering proactive wildfire education and risk reduction services well before an active wildfire threat. Through detailed property site visits and data collection, consultants assess individual structures to identify vulnerabilities and recommend actionable mitigation strategies. 

Policyholder education can be provided in advance or through the strategic prepositioning of Chloeta resources in areas of highest wildfire risk, enabling timely engagement and preparedness. These efforts help homeowners better understand their wildfire exposure and take effective steps to safeguard their properties. This approach not only enhances individual property resilience but also contributes to more accurate, up-to-date risk profiles that support carrier underwriting and loss prevention goals. 

Property Risk Assessment 

Chloeta’s experienced field personnel conduct detailed, on-site risk assessments to evaluate wildfire exposure at the individual policy level, providing insurance carriers with high-resolution, ground-truth data that is often unavailable through remote analysis alone. Assessments include critical factors such as vegetation type and proximity, building materials, roof condition, and existing defensible space to identify specific vulnerabilities and recommend targeted mitigation actions.

When property owners are present, field staff communicate directly to explain risks and provide practical guidance for improving wildfire resilience. Each site visit is thoroughly documented, producing comprehensive reports that support underwriting, track mitigation progress, and inform loss prevention strategies, making this field-collected data an invaluable asset for insurance carriers managing wildfire exposure. 

Catastrophe Command Center

Chloeta’s CAT Command Center (CCC) serves as a centralized operations hub designed to support carrier teams by providing continuous situational awareness, resource coordination, and wildfire intelligence during catastrophic events. Operating 24/7/365, the CCC maintains uninterrupted monitoring of wildfire activity and other perils, powered by redundant emergency systems to ensure business continuity. Capabilities include real-time GPS tracking of field resources, social media tracking software for open-source incident verification, and integrated ArcGIS mapping to visualize exposures across insured portfolios. On-site meteorologists provide live fire weather updates, enhancing predictive accuracy and aiding in proactive triage of high-risk policies.

The CCC also incorporates state-of-the-art cybersecurity and technology infrastructure to protect sensitive claims data while enabling rapid, secure information flow. With direct communication to field personnel, the CCC delivers verified intelligence on fire behavior, structure impacts, and accessibility, empowering claims organizations to prioritize response, validate losses efficiently, and maintain policyholder confidence throughout wildfire CAT events. 

Wildfire Mitigation 

Chloeta partners with carriers to deliver pre-suppression and mitigation field services aimed at reducing potential damage or loss claims to insured properties. Highly trained personnel are prepositioned and rapidly deployed to active wildland fire incidents, providing on-the-ground support at the policyholder level. Services include fuels reduction, creation of defensible space, property-specific risk assessments, and claim validation. By integrating immediate mitigation actions with long-term wildfire risk reduction strategies, this approach helps protect carrier portfolios and reduce overall claim exposure.

Fire Suppressant Application 

Chloeta delivers professional application services of fire retardant and fire gels at policyholder properties on behalf of property and casualty insurance carriers. These treatments can be applied to structures, surrounding vegetation, and other critical assets to help reduce ignition risk and slow the spread of wildfire to reduce claims.

Services are coordinated closely with carrier partners to determine optimal timing and location of application, ensuring alignment with each carrier’s wildfire risk mitigation strategy. This support can be integrated into a broader wildfire response program or deployed as a targeted measure based on real-time conditions and carrier-specific priorities. 

Call Center Operations 

Chloeta delivers scalable call center services specifically designed to support insurance carriers in communicating with policyholders during real-time wildfire threats. Experienced call agents manage both outbound and inbound communication, ensuring policyholders receive timely, accurate updates about nearby wildfire activity, evacuation readiness, and claims support resources.

Call center operations are tailored to meet the unique requirements of each carrier, whether handling full-scale outreach campaigns, delivering policy-specific alerts, or providing supplemental communication support during high-volume CAT events. These services function as a seamless extension of carrier operations, helping maintain policyholder trust and ensuring consistent, high-quality communication throughout wildfire response efforts.

Policyholder Evacuations and Reentry 

Chloeta provides targeted evacuation and reentry support services for policyholders located within designated wildfire evacuation zones. Experienced personnel assist with on-the-ground coordination to ensure policyholders are safely evacuated in accordance with local emergency protocols. Services are tailored based on the severity of the wildfire threat and the specific needs of the affected community.

Following containment, reentry support includes site condition assessments and coordination with local authorities to guide policyholders’ safe and informed return to their properties. These services are designed as part of a comprehensive wildfire response strategy and can be customized to align with each insurance client’s operational and policyholder support objectives. 

Geographic Information System (GIS)

Chloeta, as a member of the ESRI Partner Network, delivers advanced geospatial modeling, mapping, and dashboard solutions designed to help insurance clients make informed, location-based decisions to prevent wildfire-related losses. These GIS capabilities support wildfire risk assessment at the parcel, regional, and portfolio scale, enabling carriers to visualize exposure, prioritize mitigation efforts, and identify high-risk policy clusters. By leveraging multi-scale geospatial technologies, insurers gain actionable insights that strengthen underwriting, improve loss prevention strategies, and reduce the likelihood of wildfire claims