(Image credit: IIR.)
Matter Intelligence (London) plans to unveil a space-based property intelligence solution for insurers at ITC Vegas 2026, combining spectral sensing and AI to assess the physical condition of residential roofs at scale.
The company says the solution has completed a proof of concept with a top-five U.S. P&C insurer and is now available for additional POCs, with insurer go-lives targeted for the first quarter of 2027.
Vishnu Sridhar, Co-Founder and CEO, Matter Intelligence.
Matter positions the offering as a way to add property-condition insight to underwriting, portfolio management and claims workflows. The company says the technology detects signs of roof deterioration that may not be visible in conventional imagery, giving insurers a more direct view of physical asset condition before a loss occurs.
“The problem isn’t that insurers lack data,” comments Vishnu Sridhar, co-founder and CEO, Matter Intelligence. “It’s that much of that data tells them about a property rather than showing them its actual physical condition. We’re giving insurers a way to bring the condition of the asset itself into their risk decisions.”
Physical Condition as a Risk Signal
According to Matter, the platform can support underwriting by assessing roof condition at the point of quote, reducing reliance on physical inspections and referrals. For portfolio management, it is designed to identify concentrations of deterioration and monitor changes in property condition over time. In claims, the company says insurers can compare pre- and post-event condition to help distinguish new damage from pre-existing deterioration, supporting claims triage and fraud investigation.
Matter says its technology was adapted from advanced sensing work originally developed for NASA/JPL and U.S. defense programs. The company’s initial focus is roofing, but it says the approach could also complement flood and wildfire models by adding information about the physical characteristics and condition of insured properties.
“We’re not trying to replace the models insurers already use,” Sridhar says. “We’re giving them a better view of the physical world those models are trying to predict.”
Matter Intelligence says the solution is available now for proof-of-concept work with insurers.