Osmium
Before/during/after satellite imagery for insurance claims verification. See what happened from space — within hours, not weeks.
Use Cases
From post-event triage to parametric triggers — satellite evidence across the claims lifecycle.
Post-Event Claims Triage
Automated before/after satellite comparison for active weather alerts. Adjusters see damage evidence within hours of an event — no field visit required for initial assessment.
Parametric Reinsurance Triggers
Objective satellite evidence for parametric trigger verification. Multi-spectral indices (NDVI, SAR backscatter) provide independent confirmation of event severity and area affected.
Underwriting & Risk Selection
Pre-bind property inspection via high-resolution imagery. Verify building condition, surrounding hazards, and land use without scheduling a physical survey.
Agricultural & Crop Insurance
Multi-temporal vegetation analysis for crop damage assessment. Compare pre-season baseline against post-event imagery to quantify loss across large agricultural portfolios.
Portfolio & CAT Response
Rapid accumulation assessment after catastrophic events. Overlay portfolio locations onto satellite damage imagery to prioritize field resources and estimate gross loss.
Temporal Comparison
Three imagery layers aligned to the event timeline. Automated scene selection optimised for cloud cover and resolution.
Before
Sentinel-2 (10m)
Cloud-free baseline captured 7-30 days before the event. Establishes pre-loss condition for comparison.
During
Sentinel-2 / SAR (10m)
Imagery from the event window. SAR radar penetrates cloud cover for flood and storm assessment when optical is unavailable.
After
Sentinel-2 (10m)
Post-event scene captured 3-30 days after expiration. Reveals structural damage, vegetation loss, and flood extent.
Capabilities
Automated imagery discovery, multi-spectral analysis, and building-level context — all in one platform.
Automated Imagery Search
STAC-based discovery across Sentinel-2, SAR, and NAIP collections. Best scene selection by cloud cover, resolution, and temporal proximity to the event.
Building Footprint Overlay
OpenStreetMap building data overlaid on satellite imagery — type, material, roof shape, and floor count for every structure in the affected zone.
Multi-Spectral Analysis
NDVI vegetation change, SAR backscatter anomaly, and burn severity indices computed automatically. Quantitative damage metrics, not just visual comparison.
Batch Processing
Run imagery searches across all active alerts simultaneously. Background processing with progress tracking for high-volume CAT events.
Cloud-Penetrating Radar
Sentinel-1 SAR for floods and storms where optical imagery is blocked by cloud. Detect inundation extent and structural change in any weather.
Tile Storage & Caching
Processed imagery tiles stored for fast retrieval. Historical scenes cached for repeat access — no re-processing on subsequent views.
Imagery Sources
Multi-sensor coverage from optical to radar. Public satellite archives with no per-query cost.
See the damage from space
Satellite-verified claims intelligence. Request a demo to see Osmium on your portfolio.