Case Study: Leading Property Insurance Carrier Company achieves a 29% decrease in non-weather loss ratio with TransUnion

Limit Risk to Unexpected Losses

The Leading Property Insurance Carrier Company needed a better way to identify high-risk properties and reduce unexpected non-weather losses, as a TransUnion analysis showed that changing occupancy and delinquent mortgage exposures were driving poor loss performance. The carrier found that 23% of its losses over $25,000 were tied to occupancy changes, creating a challenge for its inspection strategy and portfolio risk management.

TransUnion implemented Occupancy Solutions, combining occupancy alerts with mortgage delinquency data to prioritize renewal inspections for about 10% of the carrier’s renewal book. Within less than a year, TransUnion helped the carrier achieve an immediate 29% decrease in its non-weather loss ratio, improving bottom-line results.