Data Shows AI Helps Insurers and Homeowners Navigate the Climate Crisis

New research highlights how AI-driven insight repairs trust and improves collaboration in the wake of increased natural disasters

SALT LAKE CITY--(BUSINESS WIRE)--As climate-driven disasters like the Los Angeles wildfires continue to surge, insurance claims are skyrocketing, premiums are rising, and homeowners are struggling to find coverage. This growing crisis is further widening the gap between homeowners and insurers. Arturo, a leading property intelligence company, has released groundbreaking research showcasing how AI-driven insights can bridge this divide by fostering trust and collaboration across the insurance industry.

Arturo’s white paper, How Homeowners and Insurers Can Work Together to Lower Costs, explores how advanced AI technologies like Arturo’s change detection promote proactive property maintenance to strengthen home resilience and mitigate risk, reshaping the homeowner-insurer relationship.

“AI technology is not just about data - it's about providing actionable insights that enable homeowners and insurers to work together in the face of climate challenges,” said Arturo CEO Marty Smuin. “From hurricanes to wildfires, these insights are helping the industry adopt more resilient solutions to protect homes and communities.”

Key findings include:

• Proactive maintenance significantly reduces losses: Properties flagged by Arturo as having poor roof conditions during Hurricane Ida experienced 43% more damage than those with preventative maintenance.
• Homeowners seek guidance: 84% of homeowners want insurers to help them better manage weather-related risks and prevent property damage.
• Climate disasters are surging: In 2024, the United States experienced 27 separate weather or climate disasters that each resulted in at least $1 billion in damages.
• Routine maintenance is being delayed: 44% of homeowners are postponing routine upkeep, and 31% are deferring necessary repairs, increasing risks for all parties.

Download the full white paper here or the home checklist here.

About Arturo

Arturo’s AI-based solution helps insurers securely underwrite risks, efficiently allocate resources, and lower claims costs across their book of business. This allows them to focus on what matters most: the customer, and our shared commitment to protecting our world. See more about what Arturo can do at arturo.ai.