AI property risk assessment
AI roof and property risk intelligence for Norway, Europe and beyond
HOMAI uses AI and satellite imagery to assess the roof, shows how exposed the building is to flood, landslide, extreme rain and storm, and delivers one risk score, a report and an API.
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The Nordics
Built in Norway. Ready for Europe and beyond.
Norway
Over four million buildings. Each one carries its own risk.
Oslo
Closer, block by block.
Oslo in 3D
The city, building by building.
Bjørvika in Oslo: the level at which HOMAI assesses roof and climate risk, one building at a time.
The HOMAI platform
What is HOMAI?
HOMAI is property risk intelligence from CUATRO, a technology company in Bergen, Norway. It tells you what condition a building's roof is in and how exposed the property is to flood, landslide, extreme rain and storm, and it turns both into a clear risk score and report. One address or a whole portfolio, without a site visit.
AI roof analysis
Roof condition assessment from satellite imagery: the state of the roof, visible damage and the roof's risk score, so you know which roofs need attention first.
Physical climate risk
Each building's exposure to flood, landslide, extreme rain and storm, summed up in a climate score you can compare across addresses.
Portfolio analytics
All your properties on one map, grouped into low, medium and high risk, so you can see where the exposure in a portfolio sits and follow it over time.
Reports and API
Every result as an interactive report and an A4 PDF, or straight into your own systems through the HOMAI API.
Backed & trusted by
The report
What does a HOMAI report contain?
A HOMAI roof and property risk report covers one building and answers the questions an underwriter, a lender or a property manager asks first: what shape is the roof in, what is the property exposed to, and how does it compare with the rest of the portfolio?
| Part of the report | What it tells you |
|---|---|
| Roof condition | The likely condition of the roof and the visible issues that call for a closer look |
| Roof risk score | One score per roof, comparable from building to building |
| Climate and natural hazards | Exposure to flood, landslide, extreme rain and storm, summed up in a climate score |
| Overall risk level | Low, medium or high risk for the property as a whole |
| Building facts | Key facts about the building, such as its build year and floor area |
| Recommendations | Insurance-oriented recommendations and a maintenance plan for the roof |
| Delivery | An interactive report in the dashboard, an A4 PDF and the same data through the API |
New to the terms? The glossary explains a roof condition assessment, a risk index and a climate score. For the report in practice, see AI roof analysis and physical climate risk.
The dashboard
What does HOMAI look like in use?
Search an address, click the map or draw an area. The dashboard shows each building's scores, hazards and satellite imagery, keeps its history and exports the PDF. Press play for a walkthrough.
Getting started
How do you put HOMAI to work?
From your first address to risk data in your own systems, in four steps.
Choose your properties
Search one address, upload a list or draw an area on the map: a single building or a whole portfolio.
HOMAI assesses each building
HOMAI assesses each roof with AI analysis of satellite imagery, shows how exposed the building is to climate and natural hazards and gives the property an overall risk level, in minutes and without a site visit.
Read and share the results
Open the interactive report, compare buildings in the portfolio view and send the A4 PDF to colleagues or clients.
Connect your systems
Bring the same roof and property risk data into underwriting, lending or maintenance tools through the HOMAI API.
Why HOMAI
Why do teams use HOMAI?
Most property decisions are made long before anyone climbs a roof. HOMAI gives you the roof and climate picture at that moment, for every building at once.
- Decide faster. A building-level risk assessment in minutes instead of waiting for a site visit, so quotes, credit decisions and maintenance plans move on.
- Inspect where it matters. See which roofs and which sites stand out, and send inspectors and contractors there first.
- Compare like with like. The same scores and risk levels for every building, from one address to a whole portfolio.
- Share a clear answer. A readable report and PDF for colleagues, clients and boards, and the same data through the API.
- Plan for a changing climate. Flood, landslide, extreme rain and storm exposure per building supports pricing, lending, climate reporting and adaptation work.
HOMAI is remote screening: it shows where a closer look is worth it, and it does not replace an on-site inspection or a certified condition report. Read more about how HOMAI works and what HOMAI does not do.
Industries
Who is HOMAI for?
Built for teams that insure, finance, own or manage buildings. Each page shows what HOMAI does for that line of work.
Insurers and underwriters
Roof data for insurers and climate risk per address, for underwriting, renewals and deciding where an inspection pays off.
Banks and lenders
Roof and climate risk for every collateral property, and an overview of physical risk across the loan book.
Real-estate investors
Building-level climate risk and roof condition before an acquisition and across the assets you hold.
Property managers and housing associations
A remote check of every roof you manage, to decide which buildings to inspect and maintain first.
Where we work
Where does HOMAI work?
HOMAI was built in Bergen, and Norway is our home market and our first priority. We also work outside Norway, in other European countries and further afield.
Wherever your properties are, the deliverable is the same: a roof and climate risk assessment per building, a portfolio overview, reports and API access. Tell us which addresses or regions you have in mind and we will show you what HOMAI delivers there. Read more about where HOMAI is available, or contact us.
For developers and teams
Need HOMAI data in your own systems?
The HOMAI API delivers roof and property risk data per address straight into your own platform, so underwriting, lending, asset management or maintenance tools can use it without anyone opening a report. Access is given per team with its own API keys.
Read what the API offers on the developers page, or request API access for your team.
In brief
CUATRO and HOMAI in numbers
- the year CUATRO was founded, in Bergen
- 2023
- buildings in Norway, our home market
- 4 million+
- natural hazards in every climate assessment: flood, landslide, extreme rain and storm
- 4
Explore
Where do you want to go next?
Book a demo
See HOMAI on your own addresses
In a demo we run HOMAI on properties you choose and go through the dashboard, a full report and the API.
Frequently asked questions
- What is property risk intelligence?
Property risk intelligence means knowing, building by building, how much risk a property carries: the condition of its roof and its exposure to flood, landslide, extreme rain and storm, in a form you can compare and act on. HOMAI delivers it as a risk score, a report and an API, for one address or a whole portfolio.
- Who uses HOMAI?
Insurers and underwriters, banks and lenders, real-estate investors, property managers and housing associations: teams that need to know the roof and climate risk of many buildings without visiting each one. Developers and data teams use the HOMAI API to bring the same data into their own systems.
- Does HOMAI work outside Norway?
Yes. HOMAI was built in Norway and Norway is our home market, but we also work outside Norway, in other European countries and further afield. Tell us where your properties are and we will show you what HOMAI delivers there. Contact us.
- How long does a HOMAI analysis take?
A full analysis of a building takes minutes, and no one has to visit the property. For a portfolio you add all the addresses at once and follow the results in the portfolio view. HOMAI does not promise answers in seconds; it promises a thorough assessment of every building, fast enough to use in day-to-day decisions.
- Does HOMAI replace a roof inspection or a condition report?
No. HOMAI is remote screening based on AI analysis of satellite imagery, and it does not replace an on-site inspection or a certified condition report. It shows, for one address or many, where the roof and climate signals call for a closer look, so site visits go where they matter most.
- Can we get HOMAI data through an API?
Yes. The HOMAI API delivers roof and property risk data per address into your own systems, with API keys per team. See the developers page or request API access.