Underwriting Intelligence Platform: Automate Property Risk Assessment with Agentic AI

AI is transforming how insurers assess risk, moving underwriting beyond manual checks and fragmented sources toward faster, more reliable, and more explainable decisions. By combining high-resolution imagery, geospatial intelligence, and advanced language and vision models, underwriting teams can turn complex property signals into structured insights at scale.

At Sia, we believe AI should strengthen expert judgment, not replace it. That’s why we built the Underwriting Intelligence Platform: an AI-powered solution that automates and accelerates real estate risk assessment by combining 20 cm aerial imagery, open-source geodata, and agentic AI into one seamless workflow.

Real estate underwriting remains highly manual and time-consuming, especially when risk assessment depends on environmental, geographic, and neighborhood factors that are difficult to consolidate quickly. Underwriters often struggle to keep pace with: 

• Inconsistent or ambiguous property references
• Complex geographic and environmental data
• The need for faster decisions with stronger traceability
• Rising expectations for reliable, data-driven risk insights 

Organizations need a smarter way to assess risk faster, with more precision, and with clear justification behind every conclusion.

Sia’s Underwriting Intelligence Platform is an AI-powered underwriting solution that streamlines risk assessment based on precise property locations, leveraging satellite imagery, vision-language models, and geospatial risk APIs.

The platform is designed to transform underwriting workflows by: 

• Automating property analysis from aerial imagery
• Structuring outputs into business-ready formats (including JSON)
• Enriching risk evaluation with environmental and neighborhood context
• Delivering underwriting-grade intelligence in minutes 

Our ambition is clear: toward autonomous underwriting intelligence, enabling next-generation property risk automation while maintaining the accuracy, transparency, and traceability required for high-stakes decisions.

The platform unifies three critical dimensions of risk intelligence: 

• Spatial Intelligence (parcel precision + imagery)
• Environmental Intelligence (natural hazards and historical risks)
• Security Intelligence (neighborhood services and safety context)

1. Parcel-Level Precision

Property addresses can be inconsistent, especially when underwriting depends on exact boundaries. The platform solves this by anchoring every analysis to official cadastral parcels.

Workflow: 

• The user enters an address
• The system displays cadastral maps
• The user selects the exact parcel to analyze 

Added value: 

• Eliminate address ambiguity
• Improve model input quality
• Ensure underwriting traceability 

2. High-Resolution Aerial Imagery 

Once the parcel is selected, the platform retrieves ultra-high-resolution aerial imagery (20 cm) to capture detailed property and surrounding features.

The imagery is sourced from IGN Ortho BD, France’s national geospatial data provider, updated every three years.

Added value: 

• Detect roofing and land features
• Identify vegetation, pools, solar panels, building materials, and more
• Support visual underwriting and compliance checks

3. Vision + Language Models

The platform uses a Vision-Language Model (Gemini VLM) to interpret imagery and extract underwriting-relevant features through custom prompts. Depending on client needs, we have the capacity to train and deploy custom vision models to extract specific features from imagery.[DL1] 

It produces two types of output: 

• Structured text: human-readable property description
• JSON schema: underwriting-ready structured data for integration

Added value:

• Automate visual inspection
• Standardize image interpretation
• Bridge human and machine understanding

4. Environmental Intelligence 

To assess exposure to natural hazards, the platform connects to Géorisques.gouv APIs and retrieves historical risk information including: 

• Floods
• Landslides
• Radon
• Seismic activity
• And more 

The data is aggregated and summarized using an LLM with a “geo-expert” prompt, producing a concise synthesis with source traceability.

Added value: 

• Historical awareness for informed underwriting
• Consistent, explainable risk summaries
• Reduced analyst workload 

5. Security Intelligence

Risk is not only about the property, but also about its environment. The platform integrates Google Maps data and burglary databases through an AI agent to generate neighborhood intelligence, including: 

• Proximity to services and infrastructure
• Security context
• Environmental surroundings 

The result is an underwriting-grade neighborhood narrative that complements quantitative scoring.

Added value: 

• Add qualitative context to quantitative data
• Enable richer property scoring models 

Sia’s strength lies in combining advanced AI capabilities into a single operational workflow, from imagery to structured risk intelligence.

With the Underwriting Intelligence Platform, we help clients: 

• Blend vision, language, and intelligent agents into one solution
• Manage complex multi-source data at scale
• Reduce operational costs through automation
• Make underwriting faster, smarter, and more accurate

The Underwriting Intelligence Platform is designed to help underwriting teams move from manual assessments to autonomous, explainable risk intelligence, enabling faster decisions without compromising trust, precision, or accountability.

By transforming raw geodata into underwriting-ready insights in minutes, Sia supports the future of property risk assessment: more automated, more traceable, and more human-centered.