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The stored volume attenuates discharge and protects downstream Hungarian communities along the Tisza. It sits in a VIG-core market alongside the same water authority VIG Hungary engages. The move is data cooperation on Tisza-valley risk. 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Coordinated operation lowers peak discharge at Prague and downstream cities and limits how far a flood spreads during high flow. As a state body in a VIG-core market it is a natural institutional partner for Kooperativa, VIG's Czech subsidiary. The practical move is structured data cooperation and loss-prevention information sharing rather than a commercial deal. The relevance is partnership at the data and coordination layer.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Czech state enterprise = institutional partner for VIG Czechia (Kooperativa). 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Rather than only building higher walls it lowered peak flood levels, reducing the chance of defences being overtopped downstream. The programme cost roughly 2.3 billion euros and is now an international reference for nature-based flood management. It is not a VIG counterparty, but its approach informs how retention-led defence can be evaluated. 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Over time that expands natural flood storage across European catchments and lowers downstream hazard. It is binding regulation rather than a project, so the relevant question is how each VIG market implements it. Tracking national implementation helps VIG anticipate how hazard baselines shift. 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By lowering the probability of levee breach it reduces the insured flood losses that would follow across Dutch floodplains, much of which sit below sea level. It is funded through a dedicated national Delta Fund and runs across multiple decades. As a government programme with no commercial channel, its value to VIG is as a reference framework for reviewing levee-modernisation across the CEE footprint. The relevance is the model, not a counterparty.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Dutch government programme; no commercial-engagement channel. Value is reference framework for CEE-levee modernisation programme review.","next_step":"VIG group risk-modelling uses Delta Programme assessment methodology as benchmark for evaluating CEE-jurisdiction levee adequacy."},"identity":{"legal_name":null,"entity_type":"programme","jurisdiction":"NL","registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":["delta_programme"]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"no_candidates","resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I017","source_url":"https://english.deltaprogramma.nl/themes/donkerblauw/favicon.ico","hash":"df7be776d2b09353daac6750bd40db836983a90220611dcb78c2cbc5c644b6bd","ext":"ico","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is infrastructure-scale civil defence, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Dutch Delta Programme: Catchment- or municipal-scale civil flood defence (levees, reservoirs, retention, coastal works) or an engineering consultancy delivering them; it cannot be installed at an individual policyholder's premises.","sources":[]},"category_id":"cat_h_structural_flood_defence","category_name":"Hard Flood Defence Infrastructure","category_tier":"confirmed","wiki_page":null,"flags":["no_identity","domain_unresolved"]},{"id":"I020","name":"HORA DHK Austria","initiative_type":"programme","channel":"H","channel_label":"Hazard","mechanism_summary":"Publishes 2m-resolution flood-risk zoning across 32,000 km of Austrian rivers and operates Danube flood-defence infrastructure in Vienna, providing the authoritative hazard layer that feeds underwriting, building codes, and spatial planning to reduce overall portfolio exposure.","mechanism_tags":["flood_zoning","hazard_mapping","structural_defence","underwriting_support"],"tech_stack":["hydraulic_modelling","GIS","civil_engineering"],"disclosed_funding":null,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"hora_bmluk_homepage","title":"HORA 3D - BMLUK risk-communication portal + hora.gv.at","tier":"T1","publisher":"bmluk_at","url":"https://www.bmluk.gv.at/en/topics/water/protection-against-floods/hora-3d-the-new-form-of-risk-communication.html","wayback_url":"https://web.archive.org/web/https://www.bmluk.gv.at/en/topics/water/protection-against-floods/hora-3d-the-new-form-of-risk-communication.html","snapshot_hash":"ef8b59f2a60af68d6e530bc3b9db984d581d5ce934890d6f7ad372c783f80005","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/ef8b59f2a60af68d6e530bc3b9db984d581d5ce934890d6f7ad372c783f80005.html","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:39:26Z","page_exists":true},{"slug":"hora_vrvis_research","title":"VRVis Research Center HORA 3D + Springer 2022 academic paper (corroboration)","tier":"T1","publisher":"vrvis","url":"https://www.vrvis.at/en/research/research-projects/hora-3d","wayback_url":"https://web.archive.org/web/https://www.vrvis.at/en/research/research-projects/hora-3d","snapshot_hash":"1fe4c645228fec2673dafe5755b3658f071f6384068a70a7261e0e606e46ae08","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/1fe4c645228fec2673dafe5755b3658f071f6384068a70a7261e0e606e46ae08.html","publication_date":"2022-03-21","fetched_at":"2026-05-21T07:39:29Z","page_exists":true}],"evidence_score":5,"description":"HORA is Austria's national flood-risk information system, publishing 2-metre-resolution hazard zoning across 32,000 km of rivers and underpinning Danube flood defences in Vienna. That authoritative hazard layer feeds underwriting, building codes and spatial planning, which is what makes it directly useful rather than merely informative. Austria is a VIG home market, so the HORA outputs already overlap with how VIG Austria zones its risk. The actionable move is using the latest HORA release inside Austrian underwriting rather than any partnership. The relevance is a live data input to VIG's own pricing.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Austria is VIG home market; structural overlap with VIG Austria total. HORA 3.0 outputs feed directly into Austrian underwriting risk zoning.","next_step":"VIG Austria audits current HORA 3.0 usage vs internal flood-zoning models; consistency check vs HORA 3D output where simulations differ at building-level resolution."},"identity":{"legal_name":null,"entity_type":"programme","jurisdiction":"AT","registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":["hora_pass"]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"no_candidates","resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"host_brand_unverified","brand_verified":false,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is infrastructure-scale civil defence, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"HORA DHK Austria: Catchment- or municipal-scale civil flood defence (levees, reservoirs, retention, coastal works) or an engineering consultancy delivering them; it cannot be installed at an individual policyholder's premises.","sources":[]},"category_id":"cat_h_structural_flood_defence","category_name":"Hard Flood Defence Infrastructure","category_tier":"confirmed","wiki_page":null,"flags":["no_identity","logo_unavailable","domain_unresolved"]},{"id":"I019","name":"Nationales Hochwasserschutzprogramm","initiative_type":"programme","channel":"H","channel_label":"Hazard","mechanism_summary":"Executes ~109 coordinated flood-protection measures — controlled retention areas, dyke relocation, and defence reinforcement — across German river catchments, reducing the frequency and severity of inundation events for properties behind upgraded defences.","mechanism_tags":["levee_upgrade","flood_retention","hazard_reduction","structural_defence"],"tech_stack":["civil_engineering","hydraulic_engineering"],"disclosed_funding":7000000000.0,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"nhwsp_bmuv_homepage","title":"BMUV Nationales Hochwasserschutzprogramm portal + FAQ","tier":"T1","publisher":"bmuv_de","url":"https://www.bundesumweltministerium.de/themen/wasser-und-binnengewaesser/hochwasservorsorge/hochwasserschutzprogramm","wayback_url":"https://web.archive.org/web/https://www.bundesumweltministerium.de/themen/wasser-und-binnengewaesser/hochwasservorsorge/hochwasserschutzprogramm","snapshot_hash":"7153ea5e2a3ab4fb18e77d48785a6cea8e59540f92b653e510eac3bb4640c7ca","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/7153ea5e2a3ab4fb18e77d48785a6cea8e59540f92b653e510eac3bb4640c7ca.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:40:53Z","page_exists":true},{"slug":"nhwsp_lawa_10jahre","title":"LAWA 10 Jahre Nationales Hochwasserschutzprogramm brochure 2024 (independent corroboration)","tier":"T1","publisher":"lawa","url":"https://www.lawa.de/documents/230531-broschuere-10-jahre-nhwsp-barr_1685951529.pdf","wayback_url":"https://web.archive.org/web/https://www.lawa.de/documents/230531-broschuere-10-jahre-nhwsp-barr_1685951529.pdf","snapshot_hash":"ce10288769f9316faf03ce092f166388f96398ee2488dbdfd154e087d7fe9b06","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/ce10288769f9316faf03ce092f166388f96398ee2488dbdfd154e087d7fe9b06.pdf","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:41:18Z","page_exists":true}],"evidence_score":5,"description":"Germany's Nationales Hochwasserschutzprogramm coordinates about 109 flood-protection measures across federal-state river catchments, from controlled retention areas to dyke relocation and defence reinforcement. Together they reduce how often and how badly properties behind upgraded defences are flooded. The programme carries a budget on the order of 7 billion euros shared between the federal government and the states. It is public infrastructure with no commercial channel, so for VIG it is a reference framework for its German footprint. The relevance is the planning model, not an engagement.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"German federal-state programme. Value as reference framework for VIG-Germany footprint.","next_step":"VIG Germany tracks NHWSP measure-implementation status in catchments overlapping VIG-customer exposure."},"identity":{"legal_name":null,"entity_type":"programme","jurisdiction":"DE","registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":["hochwasserschutzprogramm"]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"no_candidates","resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"host_brand_unverified","brand_verified":false,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is infrastructure-scale civil defence, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Nationales Hochwasserschutzprogramm: Catchment- or municipal-scale civil flood defence (levees, reservoirs, retention, coastal works) or an engineering consultancy delivering them; it cannot be installed at an individual policyholder's premises.","sources":[]},"category_id":"cat_h_structural_flood_defence","category_name":"Hard Flood Defence Infrastructure","category_tier":"confirmed","wiki_page":null,"flags":["no_identity","logo_unavailable","domain_unresolved"]},{"id":"I021","name":"OVF Tisza Vasarhelyi","initiative_type":"programme","channel":"H","channel_label":"Hazard","mechanism_summary":"Coordinates Hungary's Tisza flood-defence programme under the Improved Vásárhelyi Plan, raising and relocating 115 km of levees and increasing river discharge capacity to protect 49 Tisza-valley localities from riverine inundation.","mechanism_tags":["levee_upgrade","hazard_reduction","river_discharge_capacity","structural_defence"],"tech_stack":["civil_engineering","hydraulic_engineering"],"disclosed_funding":112576371.0,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"ovf_homepage","title":"Hungarian General Directorate of Water Management (OVF) - English portal","tier":"T1","publisher":"ovf_hu","url":"https://www.ovf.hu/en/","wayback_url":"https://web.archive.org/web/https://www.ovf.hu/en/","snapshot_hash":null,"snapshot_path":null,"publication_date":"2026-05-20","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true},{"slug":"ovf_inforegio_tisza","title":"European Commission Inforegio Tisza-strengthening + JOINTISZA Interreg project (corroboration)","tier":"T1","publisher":"ec_europa","url":"https://ec.europa.eu/regional_policy/en/projects/Hungary/strengthening-protection-against-flooding-from-hungary-s-river-tisza","wayback_url":"https://web.archive.org/web/https://ec.europa.eu/regional_policy/en/projects/Hungary/strengthening-protection-against-flooding-from-hungary-s-river-tisza","snapshot_hash":"1c485ce98dd055af43db5874ccb7031ed7429030b4f1d194ccbbbda3b006137f","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/1c485ce98dd055af43db5874ccb7031ed7429030b4f1d194ccbbbda3b006137f.html","publication_date":"2023-06-01","fetched_at":"2026-05-21T07:41:27Z","page_exists":true}],"evidence_score":5,"description":"Hungary's national water authority runs the Tisza flood-defence programme under the Improved Vásárhelyi Plan, raising and relocating around 115 km of levees and adding discharge capacity to protect 49 Tisza-valley localities. The works lower riverine inundation risk across a densely settled flood corridor. Hungary is a VIG-core market and the authority is the principal state-side counterparty for flood-information cooperation. The practical move is structured data sharing with VIG Hungary rather than a commercial arrangement. The relevance is partnership at the public-data layer.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Hungary is VIG-core market; OVF is principal Hungarian state-side counterparty for flood-information-cooperation.","next_step":"VIG Hungary verifies OVF data-cooperation arrangements; reviews catchment-specific completion status for VIG-customer-portfolio overlap."},"identity":{"legal_name":"Országos Vízügyi Főigazgatóság","entity_type":"programme","jurisdiction":"HU","registration_ids":[{"kind":"vat","value":"15796019-2-41","source":"ovf_alapadatok_2013"},{"kind":"national_regcode","value":"15796019-8411-312-01","source":"ovf_alapadatok_2013"}],"registered_address":"1012 Budapest, Márvány utca 1/D.","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["ovf_alapadatok_2013"]},"domain":{"verdict":"confirmed","domain":"vizugy.hu","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://vizugy.hu","evidence_excerpt":"<!DOCTYPE html PUBLIC \"-//W3C//DTD XHTML 1.0 Transitional//EN\" \"http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd\">\r\n<html xmlns=\"http://www.w3.org/1999/xhtml\">\r\n<head>\r\n<title>Vízügyi honlap</title>\r\n<meta name=\"keywords\" content=\"\" />\r\n<meta name=\"description\" content=\"\" />\r\n<meta http-equi","proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"robots_disallowed","brand_verified":true,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is infrastructure-scale civil defence, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"OVF Tisza Vasarhelyi: Catchment- or municipal-scale civil flood defence (levees, reservoirs, retention, coastal works) or an engineering consultancy delivering them; it cannot be installed at an individual policyholder's premises.","sources":[]},"category_id":"cat_h_structural_flood_defence","category_name":"Hard Flood Defence Infrastructure","category_tier":"confirmed","wiki_page":null,"flags":["logo_unavailable"]},{"id":"I023","name":"Royal HaskoningDHV","initiative_type":"company","channel":"H","channel_label":"Hazard","mechanism_summary":"Designs and delivers major flood-defence civil engineering works — including dyke upgrades, Room for the River interventions, and integrated coastal schemes such as the GBP 160 m Southsea Coastal Scheme — reducing inundation probability for coastal and riverine communities by raising or reconfiguring physical defence lines.","mechanism_tags":["levee_upgrade","coastal_defence","structural_defence","engineering_consultancy"],"tech_stack":["civil_engineering","hydraulic_engineering"],"disclosed_funding":null,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"royal_haskoningdhv_homepage","title":"Royal HaskoningDHV flood-and-coastal-management portal + newsroom","tier":"T2","publisher":"royal_haskoningdhv","url":"https://www.haskoning.com/en/services/flood-and-coastal-management-planning","wayback_url":"https://web.archive.org/web/https://www.haskoning.com/en/services/flood-and-coastal-management-planning","snapshot_hash":"398b684295f3c5770aa1feded2028f645e4459b310e6936a490caa5f84b87d33","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/398b684295f3c5770aa1feded2028f645e4459b310e6936a490caa5f84b87d33.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:42:12Z","page_exists":true},{"slug":"royal_haskoningdhv_southsea","title":"Southsea Coastal Scheme (RHDHV lead designer) + Ecoshape consortium (corroboration)","tier":"T2","publisher":"trade_press","url":"https://www.newcivilengineer.com/latest/volkerstevfin-boskalis-westminster-win-100m-flood-defence-contract-15-09-2019/","wayback_url":"https://web.archive.org/web/https://www.newcivilengineer.com/latest/volkerstevfin-boskalis-westminster-win-100m-flood-defence-contract-15-09-2019/","snapshot_hash":"19fc7f9da94e185d46e209b092fde7421fea56965dfe02777f486815d6e3cb7b","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/19fc7f9da94e185d46e209b092fde7421fea56965dfe02777f486815d6e3cb7b.html","publication_date":"2019-09-15","fetched_at":"2026-05-21T07:42:16Z","page_exists":true}],"evidence_score":3,"description":"Royal HaskoningDHV is a Dutch engineering consultancy that designs and delivers major flood-defence works, from dyke upgrades and Room for the River interventions to integrated coastal schemes such as the 160 million pound Southsea Coastal Scheme. Its projects lower inundation probability for coastal and riverine communities by raising or reconfiguring the physical defence line. It serves government and utility clients rather than insurers, so it is not a direct VIG counterparty. Its interest to VIG is as evidence of where and how large defence works are being delivered across Europe. The relevance is observation, not engagement.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Civil-engineering consultancy serves government and utility clients; not direct VIG counterparty.","next_step":"VIG Re tracks RHDHV alongside other European flood-defence civil-engineering primes; logs Southsea 2028 completion."},"identity":{"legal_name":"Koninklijke Haskoning Groep B.V.","entity_type":"company","jurisdiction":"NL","registration_ids":[{"kind":"lei","value":"724500HYZARZBIG4VP03","source":"724500hyzarzbig4vp03"},{"kind":"national_regcode","value":"55525474","source":"724500hyzarzbig4vp03"}],"registered_address":"Laan 1914 35, 3818EX Amersfoort, NL","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["724500hyzarzbig4vp03","royal_haskoningdhv_homepage"]},"domain":{"verdict":"confirmed","domain":"haskoning.com","grade":"verifier","anchor_signal":"verifier","leads_review":"pending","evidence_url":null,"evidence_excerpt":"Live fetch (2026-07-28): haskoning.com serves Haskoning, the Dutch consulting-engineering firm founded 1881, Royal title 1981, head office in the Netherlands, 6,800 professionals — matching the supplied excerpts. Press and the company's own newsroom confirm Royal HaskoningDHV rebranded to Haskoning ","proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I023","source_url":"https://www.haskoning.com/dist/global/favicon.ico","hash":"19cdcd932a6ff9965c12959fa13dfa9d16fac1b3cf178ba952266908dc2f6d94","ext":"ico","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is infrastructure-scale civil defence, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Royal HaskoningDHV: Catchment- or municipal-scale civil flood defence (levees, reservoirs, retention, coastal works) or an engineering consultancy delivering them; it cannot be installed at an individual policyholder's premises.","sources":[]},"category_id":"cat_h_structural_flood_defence","category_name":"Hard Flood Defence Infrastructure","category_tier":"confirmed","wiki_page":null,"flags":["leads_review_pending"]},{"id":"I022","name":"Wody Polskie OVFMP","initiative_type":"programme","channel":"H","channel_label":"Hazard","mechanism_summary":"Executes Poland's largest flood-defence programme (USD 1.317 bn) across the Odra and Vistula basins — upgrading levees, building retention infrastructure, and establishing Flood Operational Centers in Wrocław and Kraków — to reduce inundation risk for millions of downstream residents.","mechanism_tags":["levee_upgrade","hazard_reduction","structural_defence","basin_scale"],"tech_stack":["civil_engineering","hydraulic_engineering"],"disclosed_funding":1198000000.0,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"ovfmp_homepage","title":"Odra-Vistula Flood Management Project Coordination Unit (odrapcu.pl)","tier":"T1","publisher":"pgw_wody_polskie","url":"https://odrapcu.pl/en/strona-glowna-english/","wayback_url":"https://web.archive.org/web/https://odrapcu.pl/en/strona-glowna-english/","snapshot_hash":"b05209e2db2fb0f876fa524b15824c05e1ba06f150654dc1dcc48e84eb8d9bee","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/b05209e2db2fb0f876fa524b15824c05e1ba06f150654dc1dcc48e84eb8d9bee.html","publication_date":"2023-12-01","fetched_at":"2026-05-21T07:41:31Z","page_exists":true},{"slug":"ovfmp_world_bank","title":"World Bank OVFMP project document + AECOM project page (corroboration)","tier":"T1","publisher":"world_bank","url":"https://documents1.worldbank.org/curated/en/272151612535424724/pdf/Poland-Odra-River-Basin-Flood-Protection-Project.pdf","wayback_url":"https://web.archive.org/web/https://documents1.worldbank.org/curated/en/272151612535424724/pdf/Poland-Odra-River-Basin-Flood-Protection-Project.pdf","snapshot_hash":"d1f1a5222252a2919fc31cdb4e0c8c39c527fb622db24ec6b18df37022181d90","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/d1f1a5222252a2919fc31cdb4e0c8c39c527fb622db24ec6b18df37022181d90.pdf","publication_date":"2021-02-01","fetched_at":"2026-05-21T07:41:34Z","page_exists":true}],"evidence_score":5,"description":"Wody Polskie runs Poland's largest flood-defence programme, worth about 1.3 billion dollars across the Odra and Vistula basins, upgrading levees, building retention, and standing up project coordination units in Wrocław and Kraków. The works cut inundation risk for millions of downstream residents in a country repeatedly hit by major Odra floods. Poland is a VIG-core market and Wody Polskie is the principal state-side counterparty for flood-data cooperation. The move is structured information sharing with VIG Poland. The relevance is partnership at the data layer.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Poland is VIG-core market; Wody Polskie is principal Polish state-side counterparty for flood-data cooperation.","next_step":"VIG Poland verifies Wody Polskie data-cooperation arrangements; reviews catchment-specific completion status (esp. 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The sensors let flood-control infrastructure and protective measures be activated in time ahead of peak discharge. It is a LIFE programme project rather than a commercial vendor, so there is nothing to buy. For VIG it is a signal of where CEE flood-resilience uptake is happening, useful for portfolio positioning in those markets. The relevance is a tracking indicator.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"EU LIFE programme; not commercial. CEE LIFE-uptake signal for VIG portfolio-positioning.","next_step":"VIG Re tracks CINEA LIFE flood-prevention list quarterly; logs FLOPRES deployment completion as catchment-specific risk-reduction signals for VIG PL + SK."},"identity":{"legal_name":null,"entity_type":"programme","jurisdiction":null,"registration_ids":[],"registered_address":null,"programme_id":"LIFE22-CCA-SK-FLOPRES","programme_host":null,"enrichment_status":"enriched","identity_sources":["cinea_flopres_2025"]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"fail_to_unsure:unsure","resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"host_brand_unverified","brand_verified":false,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: the sensor network is sited in the catchment/community, not at a single policyholder's premises.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"LIFE FLOPRES: In-situ hydrological monitoring stations sited in rivers or across communities to feed warning systems and parametric triggers, not fixed at an individual policyholder's premises.","sources":[]},"category_id":null,"category_name":null,"category_tier":null,"wiki_page":null,"flags":["uncategorised","logo_unavailable","domain_unresolved"]},{"id":"I059","name":"Austrian OENORM PFR","initiative_type":"programme","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Sets the Austrian benchmark for flood-adapted construction through the provincial Bauordnungen and OeROK Recommendation 57, providing the compliance-signal layer that enables VIG Austria to link verified flood-adapted properties to reduced underwriting risk.","mechanism_tags":["property_flood_resilience","building_standards","national_norm","underwriting_support"],"tech_stack":[],"disclosed_funding":null,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"oenorm_pfr_homepage","title":"Austrian Standards / OENORM portal (placeholder)","tier":"T2","publisher":"austrian_standards","url":"https://www.austrian-standards.at/","wayback_url":"https://web.archive.org/web/https://www.austrian-standards.at/","snapshot_hash":"496572e26e87d98f87307873200f3bee5e5cea4ef25614e8cebcb84fd24b2dbe","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/496572e26e87d98f87307873200f3bee5e5cea4ef25614e8cebcb84fd24b2dbe.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:41:22Z","page_exists":true},{"slug":"hora_bmluk_homepage","title":"HORA 3D - BMLUK risk-communication portal + hora.gv.at","tier":"T1","publisher":"bmluk_at","url":"https://www.bmluk.gv.at/en/topics/water/protection-against-floods/hora-3d-the-new-form-of-risk-communication.html","wayback_url":"https://web.archive.org/web/https://www.bmluk.gv.at/en/topics/water/protection-against-floods/hora-3d-the-new-form-of-risk-communication.html","snapshot_hash":"ef8b59f2a60af68d6e530bc3b9db984d581d5ce934890d6f7ad372c783f80005","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/ef8b59f2a60af68d6e530bc3b9db984d581d5ce934890d6f7ad372c783f80005.html","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:39:26Z","page_exists":true}],"evidence_score":4,"description":"Austria sets flood-resilient construction through provincial building codes and national guidance on flood-adapted building, backed by the ÖROK Recommendation 57 on flood-risk management. Together these define what counts as a flood-resistant property, which gives VIG Austria a compliance signal it can link to reduced underwriting risk. As Austria is a VIG home market, that link is directly actionable in pricing. The move is using compliance status as an underwriting input rather than any external engagement. The relevance is a home-market data signal.","description_status":"draft","actionability":{"mode":"partnership","rationale":"AT national standards; direct VIG home-market relevance.","next_step":"VIG Austria builds tooling to convert OENORM-compliance status into customer-resilience-tier underwriting discounts."},"identity":{"legal_name":"Austrian Standards International - Standardisierung und Innovation","entity_type":"programme","jurisdiction":"AT","registration_ids":[{"kind":"lei","value":"529900FN11TYST0OC166","source":"529900fn11tyst0oc166"},{"kind":"national_regcode","value":"627457584","source":"529900fn11tyst0oc166"}],"registered_address":"Heinestraße 38, 1020 Wien, Austria","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["529900fn11tyst0oc166"]},"domain":{"verdict":"confirmed","domain":"austrian-standards.at","grade":"anchor","anchor_signal":"address","leads_review":null,"evidence_url":"https://austrian-standards.at","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"fetch_status:404","brand_verified":true,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Not a product: gate 1 does not apply to a policy instrument. The serviceable objects are the certified measures it funds, scored under their own vendors.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Austrian OENORM PFR: A regulatory standard, grant scheme, building norm or directive rather than an installable product. The physical measures it funds may be serviceable, but this venture is the policy instrument itself.","sources":[]},"category_id":"cat_v_building_standards_pfr","category_name":"Building Standards & Property Flood Resilience Codes","category_tier":"confirmed","wiki_page":null,"flags":["logo_unavailable"]},{"id":"I054","name":"CIWEM PFR CoP","initiative_type":"programme","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Establishes the UK benchmark for delivering property flood resilience through the six-standard Code of Practice authored by CIRIA in 2021, on which CIWEM runs the certified specialist register and training, ensuring flood-resistant retrofits installed by accredited contractors genuinely reduce water ingress and consequential property damage when floods arrive.","mechanism_tags":["property_flood_resilience","building_standards","certification","quality_assurance"],"tech_stack":[],"disclosed_funding":null,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"ciwem_pfr_cop_homepage","title":"CIWEM PFR Code of Practice + Specialist Register","tier":"T1","publisher":"ciwem","url":"https://befloodready.ciwem.org/property-flood-resilience/","wayback_url":"https://web.archive.org/web/https://befloodready.ciwem.org/property-flood-resilience/","snapshot_hash":"7908a9c86b00b0e75088946d9788ee52d7dd22f04a202994a0bf688f05928d8f","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/7908a9c86b00b0e75088946d9788ee52d7dd22f04a202994a0bf688f05928d8f.html","publication_date":"2023-01-01","fetched_at":"2026-05-21T07:36:45Z","page_exists":true},{"slug":"pfr_uk_grant_schemes","title":"UK PFR grant schemes (Leicestershire / Worcester / Suffolk / Telford) + Flood Re Build Back Better (corroboration)","tier":"T2","publisher":"uk_councils","url":"https://www.leicestershire.gov.uk/environment-and-planning/flooding-and-drainage/property-flood-resilience-repair-grant","wayback_url":"https://web.archive.org/web/https://www.leicestershire.gov.uk/environment-and-planning/flooding-and-drainage/property-flood-resilience-repair-grant","snapshot_hash":null,"snapshot_path":null,"publication_date":"2024-01-01","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true}],"evidence_score":4,"description":"The Property Flood Resilience Code of Practice, authored by CIRIA, is the UK benchmark for delivering flood-resistant retrofits. CIWEM runs the certified specialist register and the training built on it, across six quality standards, so that work is done by accredited people and genuinely reduces water ingress. It is a code and register, not a product, so there is nothing to engage commercially. For VIG it is a reference framework for any CEE equivalent it wants to encourage. The relevance is the standard-setting model.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"UK code-of-practice; reference framework for VIG PFR-equivalent CEE rollout.","next_step":"VIG Re uses CIWEM PFR CoP as benchmark for VIG-CEE-jurisdiction PFR-equivalent code adoption tracking."},"identity":{"legal_name":"The Chartered Institution of Water and Environmental Management","entity_type":"programme","jurisdiction":"GB","registration_ids":[],"registered_address":"106-109 Saffron Hill, London, EC1N 8QS, United Kingdom","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["full_print"]},"domain":{"verdict":"confirmed","domain":"ciwem.org","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://ciwem.org","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I054","source_url":"https://befloodready.ciwem.org/wp-content/uploads/2024/02/cropped-ciwem-favicon-32x32.png","hash":"6dccaa4f48ae942fbc285cd28f7cd38a335479683fa68cad4948644cd1b828a5","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Not a product: gate 1 does not apply to a policy instrument. The serviceable objects are the certified measures it funds, scored under their own vendors.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"CIWEM PFR CoP: A regulatory standard, grant scheme, building norm or directive rather than an installable product. The physical measures it funds may be serviceable, but this venture is the policy instrument itself.","sources":[]},"category_id":"cat_v_building_standards_pfr","category_name":"Building Standards & Property Flood Resilience Codes","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I061","name":"Czech Polish PFR Norms","initiative_type":"programme","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Transposes the EU Floods Directive into Czech and Polish national water law (for example the Czech Water Act 254/2001), establishing the flood-zone compliance baseline against which VIG Czechia and VIG Poland can calibrate underwriting treatment of flood-exposed properties.","mechanism_tags":["property_flood_resilience","building_standards","national_norm","underwriting_support"],"tech_stack":[],"disclosed_funding":null,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"czech_polish_norms_homepage","title":"Czech CSN + Polish PN standards portals (placeholder)","tier":"T2","publisher":"agora_eu","url":"https://agora.eu/standards/","wayback_url":"https://web.archive.org/web/https://agora.eu/standards/","snapshot_hash":"00d8591dd16c3767200e2a3ce0e90478dd71b9d8df3376e0b28ee1d3bd885200","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/00d8591dd16c3767200e2a3ce0e90478dd71b9d8df3376e0b28ee1d3bd885200.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:36:52Z","page_exists":true},{"slug":"eu_floods_directive_implementation","title":"EC Implementation Reports + Wikipedia (corroboration)","tier":"T1","publisher":"ec_europa","url":"https://environment.ec.europa.eu/topics/water/water-framework-directive/implementation-reports_en","wayback_url":"https://web.archive.org/web/https://environment.ec.europa.eu/topics/water/water-framework-directive/implementation-reports_en","snapshot_hash":"161db1d58113fbb912e4543c832b467f37d92e33f54dbc0421a6032d33f3575d","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/161db1d58113fbb912e4543c832b467f37d92e33f54dbc0421a6032d33f3575d.html","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:37:44Z","page_exists":true}],"evidence_score":4,"description":"This entry covers how the EU Floods Directive is transposed into Czech and Polish national water law, such as the Czech Water Act of 2001, which sets flood-zone mapping and risk-management requirements. Those designations give VIG Czechia and VIG Poland a compliance and exposure baseline they can use as an underwriting input. Both are VIG-core markets, so the link between flood-zone status and pricing is directly usable. The move is treating flood-zone designation and compliance as underwriting inputs. The relevance is a data signal in two core markets.","description_status":"draft","actionability":{"mode":"partnership","rationale":"CZ + PL national standards; direct VIG-core relevance.","next_step":"VIG Czechia + VIG Poland commission joint memo on CSN/PN flood-resilience-provision compliance signalling."},"identity":{"legal_name":null,"entity_type":"programme","jurisdiction":null,"registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":[]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"no_candidates","resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"host_brand_unverified","brand_verified":false,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Not a product: gate 1 does not apply to a policy instrument. 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These raise the resilience baseline for German properties and give a compliance signal VIG Germany can use to calibrate underwriting. They are public rules rather than a venture to engage. For VIG the value is using flood-zone status and compliance as a pricing input. The relevance is a data signal for the German book.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"DE national standards.","next_step":"VIG Germany tracks DIN flood-code updates for VIG-property-underwriting calibration."},"identity":{"legal_name":"DIN Deutsches Institut für Normung e. 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The result is lower flood ingress for the same assets in later flood cycles. It is a central-government scheme, not a commercial venture. For VIG it is evidence of how public grants drive resilience uptake, useful when weighing similar incentives. The relevance is observation.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"UK central-government scheme.","next_step":"VIG Re tracks UK Defra PFR scheme funding cycles as benchmark for CEE-municipal equivalents."},"identity":{"legal_name":null,"entity_type":"programme","jurisdiction":"GB","registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":[]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"no_candidates","resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"host_brand_unverified","brand_verified":false,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Not a product: gate 1 does not apply to a policy instrument. The serviceable objects are the certified measures it funds, scored under their own vendors.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"UK Defra PFR Grant: A regulatory standard, grant scheme, building norm or directive rather than an installable product. 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It is an example of a primary insurer backing deployable-barrier development and building property flood resilience into its offering. Its value to VIG is as a template, since the same model could support a CEE deployment vendor. It is a financing arrangement rather than a deployable product a customer could buy. The relevance is the insurer playbook, not a venture to sell.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Internal-insurer-initiative quota entry. Allianz France template directly transferable to VIG Innovation for CEE deployment-vendor partnership.","next_step":"VIG Innovation reviews Allianz France-FloodFrame partnership structure; prepares VIG-equivalent partnership brief."},"identity":{"legal_name":"ALLIANZ FRANCE","entity_type":"company","jurisdiction":"FR","registration_ids":[{"kind":"lei","value":"9695007ZVIE64Z3JZ416","source":"9695007zvie64z3jz416"},{"kind":"national_regcode","value":"303265128","source":"9695007zvie64z3jz416"}],"registered_address":"1 Cours Michelet, 92800 Puteaux, FR","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["9695007zvie64z3jz416","floodframe_allianz_press"]},"domain":{"verdict":"confirmed","domain":"allianz.fr","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://allianz.fr","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"fetch_status:404","brand_verified":true,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Not a product: gate 1 does not apply to a co-financing arrangement. The installable object is I027.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Allianz FloodFrame Partnership: Allianz's co-financing template for barrier R&D and rollout, not itself an installable product. The serviceable object is the barrier product (see I027 FloodFrame); this entry is an insurer partnership arrangement, so it scores 0.","sources":[]},"category_id":"cat_v_deployable_property_barriers","category_name":"Deployable Property Flood Barriers","category_tier":"confirmed","wiki_page":null,"flags":["logo_unavailable"]},{"id":"I033","name":"AquaDam","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Supplies water-filled temporary barriers deployable up to 28 ft in height — up to 10× faster than sandbag dikes with lower manpower — enabling rapid large-perimeter defences around critical infrastructure, commercial property, or community assets during flood events.","mechanism_tags":["temporary_barrier","large_scale_protection","infrastructure_protection","rapid_deployment"],"tech_stack":["mechanical_engineering"],"disclosed_funding":null,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"aquadam_homepage","title":"AquaDam Inc - corporate website","tier":"T2","publisher":"aquadam","url":"https://www.aquadam.net/","wayback_url":"https://web.archive.org/web/https://www.aquadam.net/","snapshot_hash":"3405edba2e35daedf8704f71655d3f1c7d34536435c4bc49c909f5494d73b7cf","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/3405edba2e35daedf8704f71655d3f1c7d34536435c4bc49c909f5494d73b7cf.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:35:58Z","page_exists":true},{"slug":"aquadam_layfield_corroboration","title":"Layfield Group geosynthetics AquaDam distributor + US Flood Control (corroboration)","tier":"T2","publisher":"layfield","url":"https://www.layfieldgroup.com/geosynthetics/solutions/aqua-dam/","wayback_url":"https://web.archive.org/web/https://www.layfieldgroup.com/geosynthetics/solutions/aqua-dam/","snapshot_hash":"a625cf78ae76dd78e75dfe42cc6bae17b6ad5a119484b3c05ab613204f0fd5eb","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/a625cf78ae76dd78e75dfe42cc6bae17b6ad5a119484b3c05ab613204f0fd5eb.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:36:04Z","page_exists":true}],"evidence_score":3,"description":"AquaDam supplies water-filled temporary barriers that deploy up to about 28 feet high, far faster than sandbag dikes and with less manpower. That scale suits large-perimeter defences around critical infrastructure or community assets rather than a single home. Because it is infrastructure-scale rather than consumer-deployable, it does not fit a service bundled with a household premium. It is a US vendor named in the barrier-category source list. For VIG the relevance is observation, not a catalogue item for policyholders.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"US-based; named in Phase IV T06 vendor list.","next_step":"VIG Re observation only; logs EU deployments via Layfield."},"identity":{"legal_name":null,"entity_type":"company","jurisdiction":null,"registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":["aquadam_homepage","aquadam_layfield_corroboration","lei_records_6e107181"]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"fail_to_unsure:unsure","resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I033","source_url":"https://www.aquadam.net/content/themes/aquadam/assets/img/site-logo.png","hash":"1e011bcfdd77c80889edc138023c32465fb3974bc3347a3f289a0051186a986d","ext":"png","confidence":"medium","reason":null,"brand_verified":true,"discovered_via":"header-img"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: 28 ft crew-deployed perimeter dam, an infrastructure/community system rather than a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"AquaDam: Water-filled temporary barriers up to 28 ft deployed by crews around large infrastructure and community perimeters during an event, not a fixed install at an individual policyholder's premises. Infrastructure-scale flood-fighting kit.","sources":[]},"category_id":"cat_v_deployable_property_barriers","category_name":"Deployable Property Flood Barriers","category_tier":"confirmed","wiki_page":null,"flags":["no_identity","domain_unresolved"]},{"id":"I034","name":"DEFLEX Dichtsysteme","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Manufactures aluminium stop-log and demountable mobile flood barriers for DACH-region municipalities and commercial customers, enabling rapid pre-event sealing of doorways, openings, and low-lying entry points against rising floodwater.","mechanism_tags":["property_flood_resilience","deployable_barrier","DACH_market","aluminium_systems"],"tech_stack":["mechanical_engineering"],"disclosed_funding":null,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"deflex_homepage","title":"DEFLEX-Dichtsysteme GmbH flood protection","tier":"T2","publisher":"deflex","url":"https://deflex.de/en/hochwasserschutz-bei-deflex/","wayback_url":"https://web.archive.org/web/https://deflex.de/en/hochwasserschutz-bei-deflex/","snapshot_hash":"7356421e7680dc0ab759e462b812ab7d7575b2c65263e465837aa6ed76dac419","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/7356421e7680dc0ab759e462b812ab7d7575b2c65263e465837aa6ed76dac419.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:37:00Z","page_exists":true},{"slug":"deflex_corroboration","title":"Blobel Umwelttechnik comparable German vendor (corroboration of German deployable-barrier market)","tier":"T2","publisher":"blobel","url":"https://www.blobel.de/en/products/flood-protection/99-english-categories/products.html","wayback_url":"https://web.archive.org/web/https://www.blobel.de/en/products/flood-protection/99-english-categories/products.html","snapshot_hash":"24d3681ce40454fb1a6e5ce621fa5ef4590c6d969c1a14329a3c776779109706","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/24d3681ce40454fb1a6e5ce621fa5ef4590c6d969c1a14329a3c776779109706.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:36:55Z","page_exists":true}],"evidence_score":3,"description":"DEFLEX makes aluminium stop-log and demountable mobile flood barriers for municipalities and commercial customers in the German-speaking region. They allow rapid pre-event sealing of doorways, openings and low-lying entry points. As a DACH vendor it maps directly onto VIG Austria and VIG Germany broker channels. For VIG it is a customer-recommendation fit for commercial clients in those markets. The relevance is a catalogue item.","description_status":"draft","actionability":{"mode":"customer-recommendation","rationale":"German DACH vendor relevant to VIG Austria + VIG Germany broker channels.","next_step":"VIG broker enablement adds DEFLEX to PFR catalogue for DACH commercial customers."},"identity":{"legal_name":"DEFLEX®-Dichtsysteme GmbH","entity_type":"company","jurisdiction":"DE","registration_ids":[{"kind":"national_regcode","value":"HRB 9620","source":"impressum"},{"kind":"vat","value":"DE121327802","source":"impressum"}],"registered_address":"Heinrich-Hertz-Strasse 18-22, D-47445 Moers-Genend","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["impressum","deflex_homepage"]},"domain":{"verdict":"confirmed","domain":"deflex.de","grade":"anchor","anchor_signal":"regnumber","leads_review":null,"evidence_url":"https://deflex.de/impressum","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I034","source_url":"https://deflex.de/wp-content/uploads/2022/06/cropped-DEFLEX-LOGO-1x1-schnitt-32x32.jpg","hash":"d723aa5772191d7a2dc100b8920b2fe4fdc4010fa48675dd83aa3c660b0877c2","ext":"jpg","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":1,"gates":{"deployability":"pass","install_cost":"gap","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Source a bounded, independent per-installation cost (procurement register, funded-pilot budget line, or trade-press install report) to clear gate 2, then compute payback.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Aluminium stop-log and demountable barriers for sealing doorways and openings of DACH commercial and municipal buildings; premises-deployable, gate 1 passes. 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The systems give flood-prone properties a rapid physical perimeter defence. Being domestic makes it directly addressable through VIG Czechia's Kooperativa broker channel. For VIG it is a customer-recommendation fit with local service backing. 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No independent per-installation cost is sourced.","sources":["wiki/ventures/exflo_poland.md"]},"category_id":"cat_v_deployable_property_barriers","category_name":"Deployable Property Flood Barriers","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I027","name":"FloodFrame","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Provides a passive water-activated barrier that automatically deploys and envelops a building when floodwater arrives, physically blocking ingress and preventing structural flood damage without requiring manual activation or advance warning from the occupant.","mechanism_tags":["property_flood_resilience","deployable_barrier","passive_activation","building_protection"],"tech_stack":["mechanical_engineering"],"disclosed_funding":1000000.0,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"floodframe_homepage","title":"FloodFrame - LinkedIn / GlobalABC corporate profile (primary)","tier":"T2","publisher":"floodframe","url":"https://fr.linkedin.com/company/floodframe","wayback_url":"https://web.archive.org/web/https://fr.linkedin.com/company/floodframe","snapshot_hash":null,"snapshot_path":null,"publication_date":"2026-05-20","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true},{"slug":"floodframe_allianz_press","title":"Tribune Assurance + Journal des Entreprises + Occitanie Invest + Gazette du Midi (corroboration)","tier":"T2","publisher":"trade_press","url":"https://tribune-assurance.optionfinance.fr/depeches/d/2024-03-29-allianz-france-noue-un-partenariat-avec-floodframe.html","wayback_url":"https://web.archive.org/web/https://tribune-assurance.optionfinance.fr/depeches/d/2024-03-29-allianz-france-noue-un-partenariat-avec-floodframe.html","snapshot_hash":"83b49b7d1e3b33d6625527b81ac794241df0ca5dc6c32bc47f49bbbf543813bb","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/83b49b7d1e3b33d6625527b81ac794241df0ca5dc6c32bc47f49bbbf543813bb.html","publication_date":"2024-03-29","fetched_at":"2026-05-21T07:38:10Z","page_exists":true}],"evidence_score":3,"description":"FloodFrame is a Danish company that installs a passive, water-activated barrier around a building, a buried waterproof membrane that lifts and seals around the perimeter as the flood rises, blocking ingress with no manual action or advance warning. Because it self-deploys, it protects even when the occupant is away, which is the weakness most temporary barriers share. Allianz France, with the Occitanie Region, co-financed FloodFrame's flood test centre, which shows a major European insurer sees strategic value in deployable-barrier technology. That precedent is directly transferable, and VIG Innovation could mirror it with a Continental-European pilot. For VIG this is a partnership candidate rather than a catalogue item.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Allianz France precedent demonstrates European insurers see strategic value in funding deployable-barrier R&D. VIG-Innovation could mirror via Continental-European pilot.","next_step":"VIG Innovation initiates Wiener Staedtische Austria pilot opportunity at one VIG-owned commercial property with FloodFrame as deployment partner."},"identity":{"legal_name":"FloodFrame A/S","entity_type":"company","jurisdiction":"DK","registration_ids":[{"kind":"national_regcode","value":"39143119","source":"hentvirksomhed"}],"registered_address":"C/O Peter Blyme, Moseranden 2, 2970 Hørsholm","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["hentvirksomhed","floodframe_group","39143119"]},"domain":{"verdict":"confirmed","domain":"floodframe.com","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://floodframe.com","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I027","source_url":"https://floodframe.com/favicon.ico","hash":"1c0c60ee6dfe5a2297df5280ef1d3c682dd455657d2f667e2bd1b8b5f2a966a3","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"root-favicon"},"serviceability":{"score":1,"gates":{"deployability":"pass","install_cost":"gap","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Source a bounded, independent per-installation cost (procurement register, funded-pilot budget line, or trade-press install report) to clear gate 2, then compute payback.","confidence":"M","evidence_gap":false,"gap_reason":null,"justification":"Passive water-activated barrier that automatically envelops a single building on flood arrival; a fixed per-property install, the premises-deployable form VIG's worked example describes. Deployability is corroborated by Allianz press. No independent per-installation cost is sourced (homepage is vendor T3), so gate 2 is not yet cleared.","sources":["wiki/ventures/floodframe.md","wiki/sources/floodframe_allianz_press.md"]},"category_id":"cat_v_deployable_property_barriers","category_name":"Deployable Property Flood Barriers","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I032","name":"Floodstop UK","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Provides reusable rapidly deployable Nautilus-brand flood barriers for residential and commercial properties, enabling occupants to physically seal doorways, garage openings, and entry points against rising floodwater before or during an event.","mechanism_tags":["property_flood_resilience","deployable_barrier","residential_protection","commercial_protection"],"tech_stack":["mechanical_engineering"],"disclosed_funding":null,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"floodstop_uk_homepage","title":"Floodstop UK corporate website","tier":"T2","publisher":"floodstop_uk","url":"https://floodstop-uk.co.uk/","wayback_url":"https://web.archive.org/web/https://floodstop-uk.co.uk/","snapshot_hash":null,"snapshot_path":null,"publication_date":"2026-05-20","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true},{"slug":"floodstop_uk_corroboration","title":"Floodstop UK at Lower Nazeing PFR consultation (EA-listed) + Lakeside Flood Solutions / HERMEQ corroboration","tier":"T2","publisher":"ea_corroboration","url":"https://consult.environment-agency.gov.uk/hnl/lower-nazeing-property-flood-resilience/user_uploads/lakeside_brochure.pdf","wayback_url":"https://web.archive.org/web/https://consult.environment-agency.gov.uk/hnl/lower-nazeing-property-flood-resilience/user_uploads/lakeside_brochure.pdf","snapshot_hash":"796ec37048e6ee2c31b4a51c2f0f3f0606442a96442c7f9bdfa8e4a97c400a7c","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/796ec37048e6ee2c31b4a51c2f0f3f0606442a96442c7f9bdfa8e4a97c400a7c.pdf","publication_date":"2023-01-01","fetched_at":"2026-05-21T07:38:45Z","page_exists":true}],"evidence_score":3,"description":"Floodstop supplies reusable, rapidly deployable Nautilus-brand flood barriers for homes and commercial properties. Occupants use them to seal doorways, garage openings and other entry points against rising water before or during an event. It is a UK property-flood-resilience vendor with a straightforward reusable product. For VIG it is a customer-recommendation option for commercial clients wanting low-cost entry-point protection. The relevance is a catalogue item.","description_status":"draft","actionability":{"mode":"customer-recommendation","rationale":"UK PFR vendor.","next_step":"VIG broker enablement adds Floodstop UK / Nautilus to PFR catalogue."},"identity":{"legal_name":"FLOODSTOP LIMITED","entity_type":"company","jurisdiction":"GB","registration_ids":[{"kind":"national_regcode","value":"08305702","source":"08305702"}],"registered_address":"1st Floor 119 High Street, Selsey, Chichester, West Sussex, PO20 0QB","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["08305702","floodstop_uk_homepage"]},"domain":{"verdict":"confirmed","domain":"floodstop-uk.co.uk","grade":"verifier","anchor_signal":"verifier","leads_review":"pending","evidence_url":null,"evidence_excerpt":"Companies House (live, 2026-07-28): FLOODSTOP LIMITED, company 08305702, active, registered at 1st Floor 119 High Street, Selsey, Chichester, West Sussex — previous name FLOODSTOP (UK) LIMITED, which explains the floodstop-uk.co.uk domain. Live fetch of floodstop-uk.co.uk serves the Selsey, West Sus","proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"robots_disallowed","brand_verified":true,"discovered_via":null},"serviceability":{"score":1,"gates":{"deployability":"pass","install_cost":"gap","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Source a bounded, independent per-installation cost (procurement register, funded-pilot budget line, or trade-press install report) to clear gate 2, then compute payback.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Reusable Nautilus barriers that seal doorways, garage openings and entry points of residential and commercial properties; the clearest consumer-premises fit in the pool. No independent per-installation cost is sourced, so gate 2 is not cleared.","sources":["wiki/ventures/floodstop_uk.md"]},"category_id":"cat_v_deployable_property_barriers","category_name":"Deployable Property Flood Barriers","category_tier":"confirmed","wiki_page":null,"flags":["leads_review_pending","logo_unavailable"]},{"id":"I030","name":"Geodesign Barriers","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Manufactures rapidly deployable modular flood barriers used by utilities, infrastructure operators, and local authorities to physically protect critical assets and commercial properties from flood ingress, covering perimeters up to 2.4 m height across multiple product series.","mechanism_tags":["property_flood_resilience","deployable_barrier","infrastructure_protection","modular_system"],"tech_stack":["mechanical_engineering"],"disclosed_funding":null,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"geodesign_barriers_homepage","title":"Geodesign Barriers AB - corporate website","tier":"T2","publisher":"geodesign_barriers","url":"https://geodesignbarriers.com/en/","wayback_url":"https://web.archive.org/web/https://geodesignbarriers.com/en/","snapshot_hash":"aae9142e7248a1fdaaad80617bd1d9e201354dd7b3b9055c7b02c3161758139a","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/aae9142e7248a1fdaaad80617bd1d9e201354dd7b3b9055c7b02c3161758139a.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:39:17Z","page_exists":true},{"slug":"geodesign_barriers_ea_coverage","title":"UK Agency Adopts Geodesign Flood Barriers + UK Power Networks substation deployment (corroboration)","tier":"T2","publisher":"geodesign_news","url":"https://geodesignbarriers.com/us/news/environment-agency-boosts-flood-preparedness-with-geodesign-barriers/","wayback_url":"https://web.archive.org/web/https://geodesignbarriers.com/us/news/environment-agency-boosts-flood-preparedness-with-geodesign-barriers/","snapshot_hash":"97d271ed365f3028947a5d99d46832ddbfa2a4507187b6f047f5acb15aec37e3","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/97d271ed365f3028947a5d99d46832ddbfa2a4507187b6f047f5acb15aec37e3.html","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:39:14Z","page_exists":true}],"evidence_score":3,"description":"Geodesign Barriers is a Swedish manufacturer of rapidly deployable modular flood barriers used by utilities, infrastructure operators and local authorities to protect critical assets and commercial property. Its product series cover perimeters up to about 2.45 metres high, deployed quickly ahead of an event. The company has notable UK Environment Agency traction, which is a strong operational reference. For VIG it fits the customer-recommendation tier, suited to Nordic-adjacent expansion and commercial clients needing perimeter protection. The relevance is a resilience-tech catalogue item.","description_status":"draft","actionability":{"mode":"customer-recommendation","rationale":"Swedish engineering vendor with major UK utility / EA traction; relevant to VIG Nordic-adjacent expansion.","next_step":"VIG broker enablement adds Geodesign Barriers to PFR catalogue for VIG-core CEE commercial customers with critical-infrastructure portfolios (utilities, transport)."},"identity":{"legal_name":"Geodesign Latitud 57 Aktiebolag","entity_type":"company","jurisdiction":"SE","registration_ids":[{"kind":"lei","value":"254900NFDGJV3X5NXN56","source":"254900nfdgjv3x5nxn56"},{"kind":"national_regcode","value":"556426-2433","source":"254900nfdgjv3x5nxn56"}],"registered_address":"Movägen 7, 133 36 Saltsjöbaden, SE","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["254900nfdgjv3x5nxn56","geodesign_barriers_homepage"]},"domain":{"verdict":"confirmed","domain":"geodesignbarriers.com","grade":"anchor","anchor_signal":"regnumber","leads_review":null,"evidence_url":"https://geodesignbarriers.com","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I030","source_url":"https://geodesignbarriers.com/wp-content/uploads/2023/12/cropped-geodesignbarriers-favicon-400x400.png","hash":"d8fddf78900a288a2b32acc4bc75110b36d18baf34484c2a9b31a60c688dec32","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":1,"gates":{"deployability":"pass","install_cost":"gap","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Source a bounded, independent per-installation cost (procurement register, funded-pilot budget line, or trade-press install report) to clear gate 2, then compute payback.","confidence":"M","evidence_gap":false,"gap_reason":null,"justification":"Modular deployable barriers marketed to protect commercial properties and infrastructure perimeters up to 2.4 m; deployable at business premises, so gate 1 passes (corroborated by Environment Agency coverage). No independent per-installation cost is sourced.","sources":["wiki/ventures/geodesign_barriers.md","wiki/sources/geodesign_barriers_ea_coverage.md"]},"category_id":"cat_v_deployable_property_barriers","category_name":"Deployable Property Flood Barriers","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I031","name":"MegaSecur Europe","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Markets the Water-Gate self-deploying portable dam that uses incoming floodwater to automatically fill and stabilise itself — deployable by a single person — protecting properties and public infrastructure across CEE markets without requiring manual crew mobilisation during an event.","mechanism_tags":["property_flood_resilience","passive_activation","deployable_barrier","CEE_deployment"],"tech_stack":["mechanical_engineering"],"disclosed_funding":null,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"megasecur_europe_homepage","title":"MegaSecur Europe - Water-Gate flood protection","tier":"T2","publisher":"megasecur_europe","url":"https://en.megasecureurope.com/flood-protection-flooding-control/","wayback_url":"https://web.archive.org/web/https://en.megasecureurope.com/flood-protection-flooding-control/","snapshot_hash":"721a91979058f9ee960b1a9bdac7b7d03dd2d45912eca9cb287832a3624a6fe2","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/721a91979058f9ee960b1a9bdac7b7d03dd2d45912eca9cb287832a3624a6fe2.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:40:30Z","page_exists":true},{"slug":"megasecur_global_deployments","title":"MegaSecur deployment record + Water-Gate Technical Specifications (corroboration)","tier":"T2","publisher":"megasecur","url":"https://www.megasecur.com/cofferdam","wayback_url":"https://web.archive.org/web/https://www.megasecur.com/cofferdam","snapshot_hash":"41c2b808468a256037bcda2437a1e1cad3aaa4bd6fe7af4af0782fb6389830b8","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/41c2b808468a256037bcda2437a1e1cad3aaa4bd6fe7af4af0782fb6389830b8.html","publication_date":"2018-04-01","fetched_at":"2026-05-21T07:40:34Z","page_exists":true}],"evidence_score":3,"description":"MegaSecur markets the Water-Gate, a self-deploying portable dam that uses the incoming floodwater itself to fill and stabilise, and can be laid out by a single person without a crew. That makes it practical for protecting properties and public infrastructure during fast-moving events. It is the deployable-barrier vendor with the clearest named deployments across VIG-core CEE markets, including Czechia, Poland, Austria, Slovenia and Slovakia. For VIG that regional footprint makes it a strong customer-recommendation fit for commercial clients. The relevance is a catalogue item with proven CEE presence.","description_status":"draft","actionability":{"mode":"customer-recommendation","rationale":"Only deployable-barrier vendor with explicit named deployments across VIG-core CEE markets (CZ, PL, AT, SI, SK).","next_step":"VIG broker enablement adds Water-Gate (MegaSecur Europe) to PFR catalogue for VIG-core CEE markets; emphasises CZ + PL + SI + SK precedent."},"identity":{"legal_name":"MEGASECUR.EUROPE","entity_type":"company","jurisdiction":"FR","registration_ids":[{"kind":"national_regcode","value":"532063526","source":"search_b4bbdb5a"},{"kind":"vat","value":"FR09532063526","source":"megasecur_europe_homepage"}],"registered_address":"91 Boulevard de Courcelles, 75008 Paris","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["search_b4bbdb5a","megasecur_europe_homepage"]},"domain":{"verdict":"confirmed","domain":"megasecureurope.com","grade":"anchor","anchor_signal":"regnumber","leads_review":null,"evidence_url":"https://megasecureurope.com","evidence_excerpt":null,"proposed_by":["agent","probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I031","source_url":"https://www.megasecureurope.com/wp-content/uploads/2019/09/logo-water-gate-megasecur-europe-marques-deposees-ld.png","hash":"145644ef2a29ffaa56244aaf94cdc97bed5da80fbaf229ca6d9f87f9ddf1135a","ext":"png","confidence":"medium","reason":null,"brand_verified":true,"discovered_via":"header-img"},"serviceability":{"score":1,"gates":{"deployability":"pass","install_cost":"gap","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Source a bounded, independent per-installation cost (procurement register, funded-pilot budget line, or trade-press install report) to clear gate 2, then compute payback.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Water-Gate self-deploying portable dam, deployable by a single person to protect individual properties; premises-deployable, gate 1 passes. Sources are vendor pages, so no independent install cost -> gate 2 not cleared.","sources":["wiki/ventures/megasecur_europe.md"]},"category_id":"cat_v_deployable_property_barriers","category_name":"Deployable Property Flood Barriers","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I029","name":"Self Closing Flood Barrier","initiative_type":"product","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Deploys passive self-closing flood barriers that automatically rise as approaching floodwater lifts the barrier head, preventing flood ingress to properties up to 2.5 m height without requiring manual setup or on-site crew during the event.","mechanism_tags":["property_flood_resilience","passive_activation","deployable_barrier","building_protection"],"tech_stack":["mechanical_engineering"],"disclosed_funding":null,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"self_closing_flood_barrier_homepage","title":"Self Closing Flood Barrier UK","tier":"T2","publisher":"self_closing_flood_barrier","url":"https://selfclosingfloodbarrier.co.uk/","wayback_url":"https://web.archive.org/web/https://selfclosingfloodbarrier.co.uk/","snapshot_hash":"a0b746e89ab7d1fc7cf985f27ae209445e9384dd34de3d3314af1be6afb0f965","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/a0b746e89ab7d1fc7cf985f27ae209445e9384dd34de3d3314af1be6afb0f965.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:42:20Z","page_exists":true},{"slug":"flood_control_international_homepage","title":"Flood Control International - Unique Self-Closing Flood Barriers (corroboration)","tier":"T2","publisher":"flood_control_international","url":"https://floodcontrolinternational.com/self-closing-flood-barriers/","wayback_url":"https://web.archive.org/web/https://floodcontrolinternational.com/self-closing-flood-barriers/","snapshot_hash":"abee6506ef6597de3c0d44a089bc9c1d244c551f7a4776ab3145e4b1b7db15e6","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/abee6506ef6597de3c0d44a089bc9c1d244c551f7a4776ab3145e4b1b7db15e6.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:37:55Z","page_exists":true}],"evidence_score":3,"description":"The Self Closing Flood Barrier is a passive property-protection system that rises on the floodwater itself, with no power, no manual setup, and no crew needed during an event. The barrier sits below ground in a trough; as water rises it floats up and locks into a watertight wall, then lowers again once the flood recedes. Single barriers are available up to 2.5 metres high and around 10 metres long, and units can be linked into longer runs for larger sites. The design, originated by Van den Noort Innovations and supplied through partners such as Flood Control International, has been in operational use since 1998 across thousands of flood events. For VIG this is a customer-recommendation fit: the barrier belongs in a resilience-tech catalogue that brokers can offer commercial customers in core CEE markets.","description_status":"draft","actionability":{"mode":"customer-recommendation","rationale":"Customer-recommendation tier - VIG broker channel includes self-closing barriers in commercial-customer resilience-tech catalogue.","next_step":"VIG broker enablement team adds Self Closing Flood Barrier to commercial-customer PFR catalogue for VIG-core CEE markets."},"identity":{"legal_name":"Hyflo BV","entity_type":"product","jurisdiction":"NL","registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["9831653d","lei_records"]},"domain":{"verdict":"confirmed","domain":"selfclosingfloodbarrier.com","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://selfclosingfloodbarrier.com","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":"https://selfclosingfloodbarrier.co.uk/wp-content/uploads/cropped-SELF-CLOSING-FLOOD-BARRIER-favicon-1-32x32.png","hash":null,"ext":null,"confidence":null,"reason":"robots_disallowed","brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":2,"gates":{"deployability":"pass","install_cost":"pass","payback":"fail","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":9200.0,"install_cost_tier":"T3","payback_years":null,"next_gate":"Gate 3 needs a premium delta large enough to amortise the install cost inside 7 years; at ~EUR 9.2k-46k per residential unit against a ~EUR 240/yr delta the payback is 38-190 yr, so an independent (non-vendor) cost and a real premium delta are needed.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Passive self-closing barriers that rise with floodwater, installed per residential unit, so deployability passes. The vendor cites GBP 8,000-40,000+ per residential unit (T3), which clears gate 2 at confidence L. Against a ~EUR 240/yr premium delta that payback runs to decades, far past the 7-year horizon, so gate 3 fails and the score stops at 2.","sources":["wiki/ventures/self_closing_flood_barrier.md"]},"category_id":"cat_v_deployable_property_barriers","category_name":"Deployable Property Flood Barriers","category_tier":"confirmed","wiki_page":null,"flags":["logo_unavailable"]},{"id":"I013","name":"CHMI Flash Flood Indicator","initiative_type":"programme","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Evaluates flash-flood risk for every Czech small catchment every 5–10 minutes using weather-radar nowcasting and numerical weather prediction, providing the upstream hazard-assessment output that drives Czech national flood warnings and insurer loss-prevention notifications.","mechanism_tags":["pre_event_warning","flash_flood","national_warning_system","nowcasting"],"tech_stack":["weather_radar","numerical_weather_prediction","hydraulic_modelling"],"disclosed_funding":null,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"chmi_homepage","title":"Czech Hydrometeorological Institute (CHMI) — institutional portal + HPPS hydro-portal (primary)","tier":"T1","publisher":"chmi","url":"https://www.chmi.cz/?l=en","wayback_url":"https://web.archive.org/web/https://www.chmi.cz/?l=en","snapshot_hash":"e0faf3b2f71bf70b053675dc148217d9213a2c6c709e2906eca4e7ea78acd33f","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/e0faf3b2f71bf70b053675dc148217d9213a2c6c709e2906eca4e7ea78acd33f.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:36:36Z","page_exists":true},{"slug":"chmi_research_publications","title":"CHMI Flash Flood Indicator — independent corroboration (Sokol et al. ScienceDirect 2007 + ResearchGate + WMO documentation)","tier":"T1","publisher":"peer_reviewed_bundle","url":"https://www.sciencedirect.com/science/article/abs/pii/S0169809506001396","wayback_url":"https://web.archive.org/web/https://www.sciencedirect.com/science/article/abs/pii/S0169809506001396","snapshot_hash":null,"snapshot_path":null,"publication_date":"2007-01-01","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true}],"evidence_score":5,"description":"The Czech Hydrometeorological Institute's Flash Flood Indicator scores flash-flood risk for every small Czech catchment every five to ten minutes, combining weather-radar rainfall estimates with short-range precipitation nowcasting. It is the upstream hazard assessment that drives Czech national flood warnings and can drive insurer loss-prevention notifications. Because CHMI is a state agency, the actionable move for VIG is structured data cooperation: securing a direct feed for Kooperativa, its Czech subsidiary, and building the indicator into customer-facing weather-event alerts. That would turn a public hazard signal into a proactive touchpoint with policyholders. The relevance is partnership at the data-access layer.","description_status":"draft","actionability":{"mode":"partnership","rationale":"CHMI is Czech state agency; partnership here means structured data-cooperation - ensuring Kooperativa pojistovna (VIG Czech subsidiary) has direct CHMI-FFI feed access and integrating FFI outputs into customer-facing weather-event push notifications.","next_step":"VIG Czechia (Kooperativa) verifies existing CHMI relationship and FFI-feed access; if absent or limited, initiates formal Czech-language data-cooperation memo with CHMI."},"identity":{"legal_name":"Český hydrometeorologický ústav","entity_type":"programme","jurisdiction":"CZ","registration_ids":[{"kind":"national_regcode","value":"00020699","source":"00020699"}],"registered_address":"Na Šabatce 2050/17, Komořany, 14300 Praha 4","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["00020699"]},"domain":{"verdict":"confirmed","domain":"chmi.cz","grade":"anchor","anchor_signal":"regnumber","leads_review":null,"evidence_url":"https://chmi.cz","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":"https://www.chmi.cz/images/favicon.ico","hash":null,"ext":null,"confidence":null,"reason":"fetch_status:404","brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. It would have to be re-formed as a premises product to enter the ladder.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"CHMI Flash Flood Indicator: Back-office or catchment-scale flood intelligence delivered to insurers, authorities or downstream warning chains. Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":["logo_unavailable"]},{"id":"I003","name":"ECMWF AIFS","initiative_type":"programme","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Delivers medium-range AI-enhanced weather forecasts — including precipitation patterns critical for flood risk — that European flood forecasting chains (EFAS, national services) consume to issue earlier and more accurate flood warnings, reducing the loss-prevention lead time gap.","mechanism_tags":["pre_event_warning","meteorological_forecast","upstream_infrastructure","ensemble_forecast"],"tech_stack":["AI","numerical_weather_prediction"],"disclosed_funding":null,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"ecmwf_aifs_homepage","title":"ECMWF AIFS — ECMWF programme page + Operational release of AIFS Single 1.0 newsletter (25 February 2025)","tier":"T2","publisher":"ecmwf","url":"https://www.ecmwf.int/en/about/media-centre/news/2025/ecmwfs-ai-forecasts-become-operational","wayback_url":"https://web.archive.org/web/https://www.ecmwf.int/en/about/media-centre/news/2025/ecmwfs-ai-forecasts-become-operational","snapshot_hash":"5e032ab43fcadbc3f5d8417cb8d90f542a1a9a078e2fc062068381dce1a69a74","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/5e032ab43fcadbc3f5d8417cb8d90f542a1a9a078e2fc062068381dce1a69a74.html","publication_date":"2025-02-25","fetched_at":"2026-05-21T07:37:20Z","page_exists":true},{"slug":"ecmwf_aifs_operational_announcement","title":"ECMWF newsletter 184 — ensemble AIFS forecasts became operational; ECMWF Storm Boris September 2024 case study (independent corroboration)","tier":"T2","publisher":"ecmwf","url":"https://www.ecmwf.int/en/newsletter/184/news/ecmwfs-ensemble-ai-forecasts-became-operational-month","wayback_url":"https://web.archive.org/web/https://www.ecmwf.int/en/newsletter/184/news/ecmwfs-ensemble-ai-forecasts-became-operational-month","snapshot_hash":"985573fb3c4dc7b866b953b85c037b45393280cc8d2e35f7dcfc7339f919c331","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/985573fb3c4dc7b866b953b85c037b45393280cc8d2e35f7dcfc7339f919c331.html","publication_date":"2025-07-01","fetched_at":"2026-05-21T07:37:22Z","page_exists":true}],"evidence_score":3,"description":"ECMWF's AIFS is an AI-enhanced medium-range weather forecasting system whose precipitation outputs feed the flood-forecasting chains that European and national services run. By improving the accuracy and lead time of the rainfall signal, it lets downstream systems such as EFAS and national warnings fire earlier, widening the window for loss prevention. It is intergovernmental public infrastructure with no commercial-sales channel, so the practical question for VIG is at the licensing layer: making sure its existing ECMWF data licence covers AIFS outputs. That keeps VIG's country teams on the current generation of forecast inputs rather than the legacy numerical models. The relevance is upstream and infrastructural, not a venture to engage directly.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Intergovernmental public-good infrastructure with no commercial-sales channel. Actionable VIG move at data-licence layer: ensure VIG ECMWF licence covers AIFS outputs.","next_step":"VIG Re foresight desk verifies VIG ECMWF data-licence scope; commissions one-quarter benchmarking comparing AIFS-derived flood-relevant precipitation forecasts against IFS for VIG-core CEE catchments."},"identity":{"legal_name":"EUROPEAN CENTRE FOR MEDIUM-RANGE WEATHER FORECASTS","entity_type":"programme","jurisdiction":"GB","registration_ids":[{"kind":"lei","value":"549300X1OUUKYPXI9C23","source":"549300x1ouukypxi9c23"}],"registered_address":"Shinfield Park, Shinfield Road, Reading, RG2 9AX, GB","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["549300x1ouukypxi9c23","ecmwfs_ai_forecasts_become_operational"]},"domain":{"verdict":"confirmed","domain":"ecmwf.int","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://ecmwf.int","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I003","source_url":"https://www.ecmwf.int/sites/default/files/favicon.ico.production.ico","hash":"ce4daad4459fda2267873bc45970511a7521bfb10e92208de954b21484f0ab1b","ext":"ico","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. 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Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I005","name":"EFAS Copernicus EMS","initiative_type":"programme","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Operates Europe's operational 10-day probabilistic flood-forecasting service for transnational river basins, giving national civil-protection authorities and downstream insurers advance notice of large-catchment flood events across all EU markets.","mechanism_tags":["pre_event_warning","riverine_flood","pan_european","probabilistic_forecast","public_infrastructure"],"tech_stack":["hydraulic_modelling","numerical_weather_prediction"],"disclosed_funding":null,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"efas_copernicus_homepage","title":"European Flood Awareness System — Copernicus EMS portal (primary)","tier":"T1","publisher":"copernicus_ems","url":"https://european-flood.emergency.copernicus.eu/en/european-flood-awareness-system-efas","wayback_url":"https://web.archive.org/web/https://european-flood.emergency.copernicus.eu/en/european-flood-awareness-system-efas","snapshot_hash":"9d7d99f15ce5887088e08f64d9d22ce05886ea4b3250ee2d3554f51c2b7a565c","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/9d7d99f15ce5887088e08f64d9d22ce05886ea4b3250ee2d3554f51c2b7a565c.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:37:33Z","page_exists":true},{"slug":"efas_jrc_data_catalogue","title":"EFAS — JRC data catalogue + ECMWF EFAS programme page + Wikipedia EFAS (independent-corroboration bundle)","tier":"T1","publisher":"jrc_eu","url":"https://data.jrc.ec.europa.eu/collection/id-0068","wayback_url":"https://web.archive.org/web/https://data.jrc.ec.europa.eu/collection/id-0068","snapshot_hash":"0ead7e3d32bc5444edc57a4dbf8365a54ff2f6de2d40f8fcdcdae952885e7f0e","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/0ead7e3d32bc5444edc57a4dbf8365a54ff2f6de2d40f8fcdcdae952885e7f0e.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:37:36Z","page_exists":true}],"evidence_score":5,"description":"EFAS is Europe's operational flood-forecasting service, issuing probabilistic warnings up to ten days ahead for large transnational river basins across all EU markets. It gives national civil-protection authorities, and the insurers downstream of them, advance notice of major catchment floods before national systems escalate. As intergovernmental public infrastructure it has no sales channel, so the VIG action sits at the consumption layer: confirming that each country subsidiary has current EFAS-portal access through its national hydrological service. That access is effectively free early-warning coverage for the geographies VIG underwrites. The value is in using the service, not acquiring it.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Intergovernmental public infrastructure with no commercial-sales channel. VIG action at information-consumption layer: ensure VIG-country-subsidiaries have current EFAS-portal access via national hydrological-service relationships.","next_step":"VIG group risk-modelling team audits VIG-country-subsidiary EFAS-portal access; flags gaps. Quarterly review of EFAS-network advisories overlap with VIG-loss data."},"identity":{"legal_name":null,"entity_type":"programme","jurisdiction":null,"registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":["emergency","about_efas"]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"no_candidates","resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":"https://european-flood.emergency.copernicus.eu/efas_frontend/assets/img/favicon/favicon.ico","hash":null,"ext":null,"confidence":null,"reason":"undecodable","brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. 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Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":["no_identity","logo_unavailable","domain_unresolved"]},{"id":"I004","name":"FloodMapp","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Produces real-time AI-driven flood inundation maps by combining machine learning with traditional hydraulic modelling, allowing insurers and emergency managers to predict where and how deep flooding will occur well ahead of riverine and coastal events.","mechanism_tags":["pre_event_warning","riverine_flood","coastal_flood","inundation_mapping"],"tech_stack":["AI","hydraulic_modelling"],"disclosed_funding":9100000.0,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"floodmapp_homepage","title":"FloodMapp — corporate website (homepage + product pages)","tier":"T2","publisher":"floodmapp","url":"https://www.floodmapp.com/","wayback_url":"https://web.archive.org/web/https://www.floodmapp.com/","snapshot_hash":"d74ab8e1604d27fb9410d077d3fd1f1be9b9d6133b17f6d9fae69c473d8a8551","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/d74ab8e1604d27fb9410d077d3fd1f1be9b9d6133b17f6d9fae69c473d8a8551.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:38:36Z","page_exists":true},{"slug":"floodmapp_funding_coverage","title":"FloodMapp — independent corroboration (PitchBook + Tracxn + Crunchbase profiles + SmartCompany 2020 seed coverage + Business News Australia + Insurance Business AU)","tier":"T2","publisher":"trade_press_bundle","url":"https://pitchbook.com/profiles/company/227806-75","wayback_url":"https://web.archive.org/web/https://pitchbook.com/profiles/company/227806-75","snapshot_hash":null,"snapshot_path":null,"publication_date":"2024-10-01","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true}],"evidence_score":3,"description":"FloodMapp produces real-time flood inundation maps by combining machine learning with conventional hydraulic modelling, forecasting where and how deep water will reach at street and property level. Its ForeCast, NowCast and PostCast products cover the before, during and after phases, which suits both loss prevention and claims response. The company is Australian, raised seed funding led by Union Square Ventures' climate fund, and has published intent to expand into Europe, though it has no documented CEE deployment yet. Its emphasis on river and coastal hydrology makes it partly complementary to surface-water specialists such as Previsico rather than a direct substitute. For VIG it is a partnership candidate to watch as its European footprint develops.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Non-European but publishes Europe-expansion intent; no documented CEE deployment. Differentiator vs Previsico is hydrological-method emphasis (river/coastal) - partly complementary.","next_step":"VIG Innovation logs FloodMapp on partnership watch-list; trigger exploratory conversation if Previsico negotiations stall, or if VIG-core CEE riverine event warrants hydrology-emphasis vendor evaluation."},"identity":{"legal_name":"FLOODMAPP AUS PTY. LTD.","entity_type":"company","jurisdiction":"AU","registration_ids":[{"kind":"national_regcode","value":"36618015731","source":"36618015731"}],"registered_address":"Queensland 4006, Australia","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["36618015731"]},"domain":{"verdict":"confirmed","domain":"floodmapp.com","grade":"verifier","anchor_signal":"verifier","leads_review":"pending","evidence_url":null,"evidence_excerpt":"Live fetch of floodmapp.com (2026-07-28) serves the FloodMapp real-time flood forecasting company (products ForeCast/NowCast/PostCast). 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It would have to be re-formed as a premises product to enter the ladder.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"FloodMapp: Back-office or catchment-scale flood intelligence delivered to insurers, authorities or downstream warning chains. Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":["leads_review_pending","logo_unavailable"]},{"id":"I009","name":"FloodWaive","initiative_type":"academic-spinout","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Generates sub-meter dynamic flood-extent, depth, and velocity maps in near real time using a physics-informed transformer AI model, enabling insurers and infrastructure operators to pinpoint at-risk assets and trigger pre-event protective actions at street level.","mechanism_tags":["pre_event_warning","inundation_mapping","building_level","high_resolution_flood"],"tech_stack":["AI","satellite_imagery","physics_informed_modelling"],"disclosed_funding":null,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"floodwaive_homepage","title":"FloodWaive Predictive Intelligence — corporate website (primary)","tier":"T2","publisher":"floodwaive","url":"https://www.floodwaive.de/","wayback_url":"https://web.archive.org/web/https://www.floodwaive.de/","snapshot_hash":null,"snapshot_path":null,"publication_date":"2026-05-20","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true},{"slug":"floodwaive_rwth_esa_corroboration","title":"FloodWaive — independent corroboration (RWTH Aachen spin-off-award page + RWTH July 2025 press release + ESA Commercialisation Gateway + Startup-Atlas + MWC Barcelona + adaptunbound)","tier":"T1","publisher":"institutional_bundle","url":"https://www.rwth-aachen.de/cms/root/wir/profil/auszeichnungen-und-ehrungen/spin-off-award/~bonfys/floodwaive-predictive-intelligence/?lidx=1","wayback_url":"https://web.archive.org/web/https://www.rwth-aachen.de/cms/root/wir/profil/auszeichnungen-und-ehrungen/spin-off-award/~bonfys/floodwaive-predictive-intelligence/?lidx=1","snapshot_hash":"5db6881055bc3d0f05d7b8de9cd4f5a13c3bca83acc4d17805bd1701c61f9017","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/5db6881055bc3d0f05d7b8de9cd4f5a13c3bca83acc4d17805bd1701c61f9017.html","publication_date":"2025-07-01","fetched_at":"2026-05-21T07:39:04Z","page_exists":true}],"evidence_score":4,"description":"FloodWaive generates sub-metre flood extent, depth and velocity maps in near real time using a physics-informed transformer model, a step beyond purely statistical flood AI. The street-level detail lets insurers and infrastructure operators pinpoint individual at-risk assets and trigger protective action before an event. It is a rare German-language EU academic spin-out with a published methodology and European Space Agency programme backing, which gives it more technical traceability than most early ventures. That sub-metre inundation output is the kind of input layer that next-generation portfolio pricing and proactive loss-notification tools need. For VIG it is an early-stage partnership candidate at the modelling frontier.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Physics-informed AI flood modelling is technical frontier of T04; FloodWaive is the rare German-language EU spin-out with published methodology and ESA-programme backing. Street-level sub-meter inundation output is input layer for next-gen VIG portfolio-pricing and proactive-loss-notification tools.","next_step":"VIG Innovation initiates partnership conversation framed around proof-of-concept applying DeepWaive to VIG-core CEE catchment (Morava CZ or Tisza HU) with historical flood event as benchmark."},"identity":{"legal_name":null,"entity_type":"company","jurisdiction":null,"registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":[]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"fail_to_unsure:unsure","resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"robots_disallowed","brand_verified":true,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. It would have to be re-formed as a premises product to enter the ladder.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"FloodWaive: Back-office or catchment-scale flood intelligence delivered to insurers, authorities or downstream warning chains. Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":["no_identity","logo_unavailable","domain_unresolved"]},{"id":"I012","name":"Generali Previsico Partnership","initiative_type":"internal-insurer-initiative","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Delivers AI-generated 48-hour-ahead surface-water flood alerts and risk dashboards to corporate policyholders, enabling pre-event protective actions by customers who would otherwise rely only on slower government riverine warning channels.","mechanism_tags":["pre_event_warning","surface_water","insurer_delivery","pluvial_flood","corporate_property"],"tech_stack":["AI","hydrodynamic_modelling"],"disclosed_funding":null,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"generali_previsico_press","title":"Generali GC&C × Previsico — partnership announcement (ffnews.com + fintech.global, July 2022)","tier":"T2","publisher":"trade_press_bundle","url":"https://ffnews.com/newsarticle/generali-global-corporate-commercial-partners-with-previsico-to-offer-enhanced-flood-resilience-for-its-uk-clients/","wayback_url":"https://web.archive.org/web/https://ffnews.com/newsarticle/generali-global-corporate-commercial-partners-with-previsico-to-offer-enhanced-flood-resilience-for-its-uk-clients/","snapshot_hash":"68276e04403b20ebbce98a69484bc79b0384d4afa1fc8a8d32372e077971b7f0","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/68276e04403b20ebbce98a69484bc79b0384d4afa1fc8a8d32372e077971b7f0.html","publication_date":"2022-07-20","fetched_at":"2026-05-21T07:39:09Z","page_exists":true},{"slug":"previsico_uk_govt_pfr_review","title":"Independent corroboration of Previsico: Reinsurance News Series-A article + Loughborough University case-study + UK Cabinet Office ResilienceDirect press","tier":"T2","publisher":"reinsurance_news","url":"https://www.reinsurancene.ws/previsico-closes-series-a-funding-round-to-accelerate-global-growth/","wayback_url":"https://web.archive.org/web/https://www.reinsurancene.ws/previsico-closes-series-a-funding-round-to-accelerate-global-growth/","snapshot_hash":"287a13e4ca6dcccc9739fbb017627f92a029a316f6935afefbacb8cda4382379","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/287a13e4ca6dcccc9739fbb017627f92a029a316f6935afefbacb8cda4382379.html","publication_date":"2025-10-22","fetched_at":"2026-05-21T07:41:47Z","page_exists":true}],"evidence_score":3,"description":"This is Generali's own deployment of Previsico's technology, delivering 48-hour-ahead surface-water flood alerts and risk dashboards to corporate policyholders. It matters less as a venture to engage and more as a peer template: Generali Global Corporate and Commercial is one of VIG's closest competitors in the CEE and Adriatic markets. The productisation pattern, an AI flood-warning layer added on top of corporate property cover, is exactly what VIG could mirror with a vendor such as Previsico. It shows the model working commercially at a peer rather than in theory. The value to VIG is the playbook, not a partnership.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Internal-insurer-initiative quota entry. Generali GC&C is one of closest VIG peers in CEE/Adriatic markets; productisation playbook (AI-flood-warning as value-add layer on top of corporate property insurance) is exactly mirrorable by VIG.","next_step":"VIG Group Strategy / Innovation commissions structured comparison of Generali x Previsico product structure and prepares VIG-equivalent product brief - ready when Previsico partnership conversation reaches commercial-terms stage."},"identity":{"legal_name":"ASSICURAZIONI GENERALI SOCIETA' PER AZIONI","entity_type":"company","jurisdiction":"IT","registration_ids":[{"kind":"lei","value":"549300X5UKJVE386ZB61","source":"549300x5ukjve386zb61"},{"kind":"national_regcode","value":"00079760328","source":"549300x5ukjve386zb61"}],"registered_address":"Piazza Duca degli Abruzzi 2, 34132 Trieste, Italy","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["549300x5ukjve386zb61"]},"domain":{"verdict":"confirmed","domain":"generali.com","grade":"anchor","anchor_signal":"regnumber","leads_review":null,"evidence_url":"https://generali.com","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"undecodable","brand_verified":true,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. It would have to be re-formed as a premises product to enter the ladder.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Generali Previsico Partnership: Back-office or catchment-scale flood intelligence delivered to insurers, authorities or downstream warning chains. Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":["logo_unavailable"]},{"id":"I002","name":"Google FloodHub","initiative_type":"product","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Provides free 7-day-ahead AI-generated riverine flood forecasts across 150+ countries including all major EU CEE markets, enabling downstream warning systems and insurer loss-prevention pipelines to anticipate large river events at ungauged catchments.","mechanism_tags":["pre_event_warning","riverine_flood","open_access","catchment_scale"],"tech_stack":["AI","hydraulic_modelling"],"disclosed_funding":null,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"google_floodhub_homepage","title":"Google FloodHub — Flood Forecasting project page (sites.research.google) + Google Research blog March 2024 80-country expansion announcement","tier":"T2","publisher":"google_research","url":"https://sites.research.google/gr/floodforecasting/","wayback_url":"https://web.archive.org/web/https://sites.research.google/gr/floodforecasting/","snapshot_hash":"e6cf8a93ffc4e84460be1a1de0a8967d8a8239311b4564947c9237b8f12d7e3d","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/e6cf8a93ffc4e84460be1a1de0a8967d8a8239311b4564947c9237b8f12d7e3d.html","publication_date":"2024-03-12","fetched_at":"2026-05-21T07:39:22Z","page_exists":true},{"slug":"nearing_2024_nature_global_flood","title":"Global prediction of extreme floods in ungauged watersheds","tier":"T1","publisher":"nature_research","url":"https://www.nature.com/articles/s41586-024-07145-1","wayback_url":"https://web.archive.org/web/https://www.nature.com/articles/s41586-024-07145-1","snapshot_hash":"ee2376291b802a12b7e264c2ed7598d781eee0723d06c8141b01d77e492adb30","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/ee2376291b802a12b7e264c2ed7598d781eee0723d06c8141b01d77e492adb30.html","publication_date":"2024-03-20","fetched_at":"2026-05-21T07:40:48Z","page_exists":true}],"evidence_score":4,"description":"Google FloodHub is a free public service that publishes AI-generated riverine flood forecasts up to seven days ahead across more than 150 countries, including every major CEE market. Its models extend reliable warnings to ungauged river catchments that traditional gauges never covered, which is where much of the emerging-market flood exposure sits. Because it is a public good with an open API and no sales channel, the value to VIG is integration rather than partnership: feeding FloodHub forecasts into a loss-prevention notification pipeline for exposed policyholders. It pairs naturally with commercial surface-water tools that cover the pluvial risk FloodHub does not. This makes it a low-cost first data layer for anticipating large river events before they reach VIG's books.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Free public-good model with no commercial-sales channel; actionable move is integrating FloodHub forecasts into VIG loss-prevention notification pipeline (open API).","next_step":"VIG Innovation logs quarterly tracking entry on FloodHub European coverage expansion and accuracy benchmarks; flags catchment-level upgrades in VIG-core CEE markets (CZ, SK, HU, RO, PL, BG, HR)."},"identity":{"legal_name":"GOOGLE LLC","entity_type":"product","jurisdiction":"US","registration_ids":[{"kind":"lei","value":"7ZW8QJWVPR4P1J1KQY45","source":"7zw8qjwvpr4p1j1kqy45"}],"registered_address":"C/O Corporation Service Company, 251 Little Falls Drive, Wilmington, DE 19808, US","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["7zw8qjwvpr4p1j1kqy45"]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"fail_to_unsure:unsure","resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I002","source_url":"https://www.gstatic.com/images/branding/googleg_gradient/1x/googleg_gradient_standard_20dp.png","hash":"8657bd13763477ea9d924f71b889634fd0d7abb51417d0628be34202ccd17b69","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. It would have to be re-formed as a premises product to enter the ladder.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Google FloodHub: Back-office or catchment-scale flood intelligence delivered to insurers, authorities or downstream warning chains. Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":["domain_unresolved"]},{"id":"I001","name":"Previsico","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Delivers 48-hour-ahead property-level surface-water and riverine flood forecasts at 25 m urban resolution to insurers, enabling policyholders and emergency responders to take pre-event protective actions before flood waters arrive.","mechanism_tags":["pre_event_warning","surface_water","insurer_delivery","pluvial_flood","probabilistic_forecast"],"tech_stack":["AI","hydrodynamic_modelling"],"disclosed_funding":2083000.0,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"previsico_homepage","title":"Previsico — corporate website (homepage + about-us + FloodMap Live product pages)","tier":"T2","publisher":"previsico","url":"https://previsico.com","wayback_url":"https://web.archive.org/web/https://previsico.com","snapshot_hash":"364c1b94d01d8a9aa95d3c3247ef6a214b37700382ead633a4f5d7fc35e8af2b","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/364c1b94d01d8a9aa95d3c3247ef6a214b37700382ead633a4f5d7fc35e8af2b.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:41:44Z","page_exists":true},{"slug":"previsico_uk_govt_pfr_review","title":"Independent corroboration of Previsico: Reinsurance News Series-A article + Loughborough University case-study + UK Cabinet Office ResilienceDirect press","tier":"T2","publisher":"reinsurance_news","url":"https://www.reinsurancene.ws/previsico-closes-series-a-funding-round-to-accelerate-global-growth/","wayback_url":"https://web.archive.org/web/https://www.reinsurancene.ws/previsico-closes-series-a-funding-round-to-accelerate-global-growth/","snapshot_hash":"287a13e4ca6dcccc9739fbb017627f92a029a316f6935afefbacb8cda4382379","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/287a13e4ca6dcccc9739fbb017627f92a029a316f6935afefbacb8cda4382379.html","publication_date":"2025-10-22","fetched_at":"2026-05-21T07:41:47Z","page_exists":true}],"evidence_score":3,"description":"Previsico is a UK flood-intelligence company that gives insurers 48-hour-ahead, property-level forecasts of surface-water and river flooding at 25-metre urban resolution. Its models pair live hydrodynamic simulation with AI so policyholders and emergency teams can act before water arrives, moving stock, deploying barriers, or relocating vehicles. The forecasts are already embedded in insurance products: Zurich Municipal builds Previsico alerts into policies, and the company also works with Liberty Specialty Markets and Generali. It closed a Series A round in October 2025, backed by Connecticut Innovations and BlueOrchard (part of the Schroders group), to expand across the UK, US, and new markets. For VIG this is a partnership candidate in a channel where a Generali precedent already exists, with no published VIG relationship yet and clear white space across the CEE footprint.","description_status":"draft","actionability":{"mode":"partnership","rationale":"UK-strongest commercial V-channel AI-flood-warning vendor; competes via Zurich/Generali in markets adjacent to VIG CEE footprint; no published VIG relationship; partnership conversation lowest-cost first move aligned with Previsico's stated post-Series-A European expansion intent.","next_step":"VIG Innovation (or VIG Re foresight desk) initiates exploratory pilot conversation citing CEE-market white-space and Generali precedent as peer validation; trigger event = Q3/Q4-2026 CEE pluvial-flood loss event warranting board-level loss-prevention review."},"identity":{"legal_name":"PREVISICO LIMITED","entity_type":"company","jurisdiction":"GB","registration_ids":[{"kind":"national_regcode","value":"11663974","source":"11663974"}],"registered_address":"Atic 5 Oakwood Drive, Loughborough University, Loughborough, England, LE11 3QF","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["11663974"]},"domain":{"verdict":"confirmed","domain":"previsico.com","grade":"anchor","anchor_signal":"regnumber","leads_review":null,"evidence_url":"https://previsico.com","evidence_excerpt":null,"proposed_by":["agent","probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I001","source_url":"https://previsico.com/favicon.ico","hash":"c64a6ed7b864acca9c3b820aa8423d0a78ca0ea9191154624d46d6d47d8d7562","ext":"ico","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. It would have to be re-formed as a premises product to enter the ladder.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Previsico: Back-office or catchment-scale flood intelligence delivered to insurers, authorities or downstream warning chains. Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I007","name":"SevenAnalytics","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Models surface-water and pluvial flood inundation at the individual building level using high-resolution AI terrain processing, enabling property owners and insurers to identify and act on precise local flood risk before events occur.","mechanism_tags":["pre_event_warning","pluvial_flood","building_level","risk_assessment"],"tech_stack":["AI","terrain_processing"],"disclosed_funding":6500000.0,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"sevenanalytics_homepage","title":"7Analytics — corporate website (primary)","tier":"T2","publisher":"sevenanalytics","url":"https://7analytics.ai/","wayback_url":"https://web.archive.org/web/https://7analytics.ai/","snapshot_hash":"6abbee36fb96030e054965ab422ffbb8b320bb27c773ac47d4aad8670dc0eae1","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/6abbee36fb96030e054965ab422ffbb8b320bb27c773ac47d4aad8670dc0eae1.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:42:26Z","page_exists":true},{"slug":"sevenanalytics_funding_coverage","title":"7Analytics — independent corroboration (Silicon Canals + Construct Venture + The SaaS News + Fintech.global + Insurtech Insights + Greentown Labs + TheNextWeb)","tier":"T2","publisher":"trade_press_bundle","url":"https://fintech.global/2024/05/21/norwegian-flood-risk-startup-7analytics-secures-e4m-in-funding-from-scale-capital/","wayback_url":"https://web.archive.org/web/https://fintech.global/2024/05/21/norwegian-flood-risk-startup-7analytics-secures-e4m-in-funding-from-scale-capital/","snapshot_hash":"5829ee23c43d805d136cc9eb4be541965d76417cceecdf635e03f1150c9d7580","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/5829ee23c43d805d136cc9eb4be541965d76417cceecdf635e03f1150c9d7580.html","publication_date":"2024-05-21","fetched_at":"2026-05-21T07:42:23Z","page_exists":true}],"evidence_score":3,"description":"7Analytics, based in Bergen, models surface-water and pluvial flooding at the individual building level using high-resolution AI terrain processing and hundreds of physical characteristics per site. That granularity lets property owners and insurers price and act on precise local risk rather than postcode averages. The Norwegian company has raised around 6.5 million euros, including a 4 million euro round led by Scale Capital, and is expanding beyond the Nordics. Its building-level pluvial output is a direct fit for resilience products across VIG's property book, and Norway's exposure profile is structurally similar to the Austrian, Czech and Slovenian markets. For VIG this is a partnership candidate in the surface-water niche.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Building-level pluvial-flood-modelling is direct fit for V-channel resilience products for VIG property-line exposure. Norway structurally similar to VIG AT/CZ/SI footprint.","next_step":"VIG Innovation initiates exploratory pilot conversation framed around building-level pluvial risk modelling for VIG-core CEE urban portfolios (Vienna, Prague, Bratislava, Ljubljana)."},"identity":{"legal_name":"7ANALYTICS AS","entity_type":"company","jurisdiction":"NO","registration_ids":[{"kind":"national_regcode","value":"919844523","source":"919844523"}],"registered_address":"Solheimsgaten 7C, 5058 Bergen, Norway","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["919844523"]},"domain":{"verdict":"confirmed","domain":"7analytics.ai","grade":"verifier","anchor_signal":"verifier","leads_review":"pending","evidence_url":null,"evidence_excerpt":"Live fetch of 7analytics.ai (2026-07-28) serves 7Analytics flood-risk analytics with Bergen HQ address 'Innovation District Solheimsviken 7c, 5054 Bergen' and contact demo@7analytics.ai. Independent press (Insurtech Insights, Silicon Canals, Preqin '7Analytics AS') confirms 7Analytics AS, founded 20","proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"fetch_status:404","brand_verified":true,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. It would have to be re-formed as a premises product to enter the ladder.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"SevenAnalytics: Back-office or catchment-scale flood intelligence delivered to insurers, authorities or downstream warning chains. Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":["leads_review_pending","logo_unavailable"]},{"id":"I008","name":"Tenevia","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Turns fixed cameras into hydrological sensors via AI computer vision to deliver real-time water-level and flow measurements, feeding local flood-warning systems and enabling faster community protective response for river-frontage exposures.","mechanism_tags":["real_time_monitoring","in_situ_measurement","local_flood_warning","river_monitoring"],"tech_stack":["AI","computer_vision","hydraulic_modelling"],"disclosed_funding":1130000.0,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"tenevia_homepage","title":"Tenevia — corporate website (primary)","tier":"T2","publisher":"tenevia","url":"https://www.tenevia.com/en/","wayback_url":"https://web.archive.org/web/https://www.tenevia.com/en/","snapshot_hash":"9126fe65c557eb0457f55ea4a8751b11a72731909015fd13d5f47dea43044a27","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/9126fe65c557eb0457f55ea4a8751b11a72731909015fd13d5f47dea43044a27.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:42:59Z","page_exists":true},{"slug":"tenevia_case_studies","title":"Tenevia — independent corroboration (Robotics Cats 2021 + Météo-France Axis customer story + adaptunbound 2025 + CMT knowledge-base)","tier":"T2","publisher":"trade_press_bundle","url":"https://roboticscats.com/2021/10/05/bonjour-ai-flood-monitoring-and-forecasting-by-tenevia/","wayback_url":"https://web.archive.org/web/https://roboticscats.com/2021/10/05/bonjour-ai-flood-monitoring-and-forecasting-by-tenevia/","snapshot_hash":null,"snapshot_path":null,"publication_date":"2021-10-05","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true}],"evidence_score":3,"description":"Tenevia turns ordinary fixed cameras into hydrological sensors using AI computer vision, producing real-time water-level and flow measurements without dedicated gauge hardware. That lets communities and asset owners with river-frontage exposure get faster local flood warnings at lower cost than traditional instrumentation. The French company sits on the sensor-and-software boundary rather than selling insurance products directly, so the most credible route for VIG is the broker channel. Adding Tenevia to a resilience-tech catalogue would give commercial customers with river-frontage risk a practical monitoring option. The relevance is customer recommendation rather than partnership or acquisition.","description_status":"draft","actionability":{"mode":"customer-recommendation","rationale":"Sensor/software boundary; most credible VIG application is broker / commercial-customer recommendation tier - adding Tenevia to VIG broker resilience-tech catalogue for commercial clients with river-frontage exposure.","next_step":"VIG broker enablement team adds Tenevia to commercial-customer resilience-tech catalogue for VIG-core markets where river-frontage / cam-augmented monitoring is structurally relevant (CZ, HU, RO Danube; SK Vah; HR Sava/Drava)."},"identity":{"legal_name":"TENEVIA","entity_type":"company","jurisdiction":"FR","registration_ids":[{"kind":"national_regcode","value":"751982455","source":"search_c408c285"},{"kind":"national_regcode","value":"75198245500055","source":"search_c408c285"}],"registered_address":"22 CHEMIN DU VIEUX CHENE 38240 MEYLAN","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["search_c408c285"]},"domain":{"verdict":"confirmed","domain":"tenevia.com","grade":"anchor","anchor_signal":"regnumber","leads_review":null,"evidence_url":"https://tenevia.com/legal","evidence_excerpt":null,"proposed_by":["agent","probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I008","source_url":"https://www.tenevia.com/wp-content/uploads/cropped-favtenevia-1-150x150.png","hash":"7755398632a44c26d653ade7a4d455a94268fed1b57bc8282f260d6242ea3e36","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: the sensor network is sited in the catchment/community, not at a single policyholder's premises.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Tenevia: In-situ hydrological monitoring stations sited in rivers or across communities to feed warning systems and parametric triggers, not fixed at an individual policyholder's premises.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I006","name":"VorteX io","initiative_type":"regulator-funded-pilot","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Deploys compact autonomous micro-stations measuring water level, velocity, and flow in real time at centimetric accuracy, providing dense ground-truth hydrological data that sharpens local flood warnings and enables reliable parametric insurance triggers.","mechanism_tags":["real_time_monitoring","in_situ_measurement","parametric_trigger","local_flood_warning"],"tech_stack":["IoT_sensors","computer_vision"],"disclosed_funding":5400000.0,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"vortex_io_homepage","title":"vorteX-io — corporate website (primary)","tier":"T2","publisher":"vortex_io","url":"https://www.vortex-io.fr/en/","wayback_url":"https://web.archive.org/web/https://www.vortex-io.fr/en/","snapshot_hash":"1203bd804abea85afa59db690b4b23b77fdbb7b18e7d1660ea49f4295d565b1e","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/1203bd804abea85afa59db690b4b23b77fdbb7b18e7d1660ea49f4295d565b1e.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:43:30Z","page_exists":true},{"slug":"vortex_io_eic_coverage","title":"vorteX-io — independent corroboration (Vestbee + Silicon Canals + Climate Insider + Startup Weekly + eoMAG + APFM)","tier":"T2","publisher":"trade_press_bundle","url":"https://climateinsider.com/2024/06/12/climate-tech-vortex-io-raises-e2-9m-for-flood-risk-analysis/","wayback_url":"https://web.archive.org/web/https://climateinsider.com/2024/06/12/climate-tech-vortex-io-raises-e2-9m-for-flood-risk-analysis/","snapshot_hash":null,"snapshot_path":null,"publication_date":"2024-06-12","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true}],"evidence_score":3,"description":"vorteX-io builds compact autonomous micro-stations that measure water level, velocity and flow in real time to centimetre accuracy, creating dense ground-truth data that sharpens local flood warnings. That measurement layer is also what makes reliable parametric insurance triggers possible, since a parametric payout needs a trustworthy observed value. The French company won a European Innovation Council Accelerator grant and has raised roughly 5 million euros, and it is rolling out its micro-station network in Croatia with the national water agency, a market where VIG has a strong presence. Its data complements AI forecast models by grounding them in physical observation. For VIG it is a partnership candidate that could feed a future parametric-trigger product.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Croatian deployment puts vorteX-io in VIG-strong-presence market; micro-station network is fine-grained ground-truth measurement complementing AI flood-forecast outputs; could feed VIG parametric-trigger product pipeline. EIC backing reduces commercial risk.","next_step":"VIG Croatia (Wiener Staedtische / Erste Sigorta footprint) initiates exploratory pilot conversation citing Croatia deployment as in-market validation; explore micro-station data as parametric flood-trigger input."},"identity":{"legal_name":"VORTEX.IO","entity_type":"programme","jurisdiction":"FR","registration_ids":[{"kind":"national_regcode","value":"850904202","source":"search_f725b77c"},{"kind":"national_regcode","value":"85090420200049","source":"search_f725b77c"}],"registered_address":"13 RUE ANDRE VILLET 31400 TOULOUSE","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["search_f725b77c"]},"domain":{"verdict":"confirmed","domain":"vortex-io.fr","grade":"anchor","anchor_signal":"regnumber","leads_review":null,"evidence_url":"https://vortex-io.fr/legal","evidence_excerpt":null,"proposed_by":["agent","probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I006","source_url":"https://www.vortex-io.fr/wp-content/uploads/2025/03/cropped-vortex-io-favicon-32x32.png","hash":"e8c8580adadf84b2fa761be9bf3b30858f205f1102e1471875e18b6e64370a27","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: the sensor network is sited in the catchment/community, not at a single policyholder's premises.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"VorteX io: In-situ hydrological monitoring stations sited in rivers or across communities to feed warning systems and parametric triggers, not fixed at an individual policyholder's premises.","sources":[]},"category_id":"cat_v_flood_warning_forecasting","category_name":"AI Flood Warning & Forecasting","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I015","name":"Floodbase","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Fuses satellite and hydrological observations to generate near-real-time flood maps regardless of cloud cover, enabling insurers to structure and trigger parametric flood products for communities and sovereigns that lack traditional indemnity coverage.","mechanism_tags":["parametric_trigger","real_time_observation","satellite_monitoring","sovereign_risk"],"tech_stack":["satellite_imagery","AI","geospatial_analytics"],"disclosed_funding":14900000.0,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"floodbase_homepage","title":"Floodbase — corporate website (primary)","tier":"T2","publisher":"floodbase","url":"https://www.floodbase.com/","wayback_url":"https://web.archive.org/web/https://www.floodbase.com/","snapshot_hash":"6b14346a7c5822385ce7c1bc067327cb7b6a9b8a3c91b09b0cf990c41b963840","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/6b14346a7c5822385ce7c1bc067327cb7b6a9b8a3c91b09b0cf990c41b963840.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:38:05Z","page_exists":true},{"slug":"floodbase_funding_coverage","title":"Floodbase — independent corroboration (CB Insights + Insurance Journal + Risk & Insurance + AlleyWatch + Crunchbase)","tier":"T2","publisher":"trade_press_bundle","url":"https://www.insurancejournal.com/news/national/2023/01/26/704695.htm","wayback_url":"https://web.archive.org/web/https://www.insurancejournal.com/news/national/2023/01/26/704695.htm","snapshot_hash":"9ae2a4d0e27e4628c01a5f4433e0bdff190d39bb9a6bd660fcd61c271d24b4f4","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/9ae2a4d0e27e4628c01a5f4433e0bdff190d39bb9a6bd660fcd61c271d24b4f4.html","publication_date":"2023-01-26","fetched_at":"2026-05-21T07:38:02Z","page_exists":true}],"evidence_score":3,"description":"Floodbase fuses satellite and hydrological observations into near-real-time flood maps that work through cloud cover, and it uses them to structure and trigger parametric flood products. Its focus is the protection gap: communities and sovereigns that traditional indemnity cover leaves exposed. The US company raised a 12 million dollar Series A led by Lowercarbon Capital and works through broker and sovereign-risk channels. That parametric-enablement layer is both a competitor and a complement to ICEYE, and its sovereign experience could matter for any CEE-government parametric product VIG underwrites jointly. For VIG it is a partnership candidate on the parametric side.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Parametric-flood-product enablement layer is direct competitor / complement to ICEYE. Broker-channel and sovereign-risk experience potentially useful for CEE-government-counterparty parametric products VIG could underwrite jointly.","next_step":"VIG Re strategy team commissions Floodbase-vs-ICEYE comparison memo; explicit feasibility test for Floodbase-supported CEE-sovereign parametric flood product (e.g., municipal-level for Czech / Slovak / Romanian flood-prone municipalities post-Storm Boris 2024)."},"identity":{"legal_name":"Floodbase, PBC","entity_type":"company","jurisdiction":"US","registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["privacy_policy"]},"domain":{"verdict":"confirmed","domain":"floodbase.com","grade":"verifier","anchor_signal":"verifier","leads_review":"pending","evidence_url":null,"evidence_excerpt":"Live fetch of floodbase.com (2026-07-28) serves 'Floodbase | The AI platform for insuring uncovered flood risk' — parametric flood insurance platform, partners Swiss Re/Aon/Lloyd's, contact @floodbase.com, © 2025 Floodbase. Independent corroboration (Crunchbase, Artemis, PRNewswire, LinkedIn) confir","proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":"https://cdn.prod.website-files.com/6244d0fa892d48f1b8301869/662aa1e2cee8e64d23493c20_icon_32.jpg","hash":null,"ext":null,"confidence":null,"reason":"robots_disallowed","brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. It would have to be re-formed as a premises product to enter the ladder.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Floodbase: Back-office or catchment-scale flood intelligence delivered to insurers, authorities or downstream warning chains. Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_satellite_parametric_observation","category_name":"Satellite Flood Observation & Parametric Triggers","category_tier":"confirmed","wiki_page":null,"flags":["leads_review_pending","logo_unavailable"]},{"id":"I010","name":"ICEYE","initiative_type":"company","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Operates a commercial SAR satellite constellation delivering near-real-time flood extent and water-depth observations within 24 hours of an event, enabling parametric claim triggers, faster loss assessment, and pre-event portfolio risk monitoring for insurers.","mechanism_tags":["satellite_monitoring","parametric_trigger","real_time_observation","claims_acceleration"],"tech_stack":["SAR_satellite","geospatial_analytics","AI"],"disclosed_funding":1040000000.0,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"iceye_homepage","title":"ICEYE — corporate website (homepage + insurance / flood-insights pages)","tier":"T2","publisher":"iceye","url":"https://www.iceye.com/","wayback_url":"https://web.archive.org/web/https://www.iceye.com/","snapshot_hash":"8e16f6f6e6f18fc05873ebb9e4d2c92775d26d51327ce0c016681fa651f2f71b","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/8e16f6f6e6f18fc05873ebb9e4d2c92775d26d51327ce0c016681fa651f2f71b.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:39:32Z","page_exists":true},{"slug":"iceye_independent_validation","title":"ICEYE — independent corroboration (Wikipedia + Esri partner + Insurance Business + Life Insurance International + Business Insurance)","tier":"T2","publisher":"trade_press_bundle","url":"https://en.wikipedia.org/wiki/ICEYE","wayback_url":"https://web.archive.org/web/https://en.wikipedia.org/wiki/ICEYE","snapshot_hash":"321f10f4ac951f144a3f7a06f73743add76cd6e9a86da8383ef3ea432f554dd6","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/321f10f4ac951f144a3f7a06f73743add76cd6e9a86da8383ef3ea432f554dd6.html","publication_date":"2021-03-02","fetched_at":"2026-05-21T07:39:36Z","page_exists":true}],"evidence_score":3,"description":"ICEYE operates the world's largest constellation of synthetic-aperture radar satellites, delivering flood extent and water-depth observations within about 24 hours of an event regardless of cloud cover. For insurers that enables parametric claim triggers, faster loss assessment, and near-real-time portfolio monitoring during a catastrophe. It is one of the best-funded companies in the category, having raised more than 500 million dollars, and it already works with Swiss Re and other major carriers. VIG's absence from its named-partner list is a visible gap in what is becoming a standard part of the flood-monitoring stack. For VIG this is a strong partnership candidate on the observation backbone.","description_status":"draft","actionability":{"mode":"partnership","rationale":"SAR-data backbone of emerging insurance flood-monitoring stack; already partnered with Swiss Re and AXA. VIG absence from named-partners list is a strategic gap.","next_step":"VIG Re strategy team initiates formal partnership conversation citing Swiss Re template; target 2026-pilot of ICEYE Flood Insights against VIG's largest historical 2024-2026 CEE loss events (Storm Boris September 2024)."},"identity":{"legal_name":"ICEYE Oy","entity_type":"company","jurisdiction":"FI","registration_ids":[{"kind":"lei","value":"743700XY20YYW4T0OM62","source":"743700xy20yyw4t0om62"},{"kind":"national_regcode","value":"2639822-1","source":"companies"}],"registered_address":"Maarintie 6, 02150 Espoo, Finland","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["743700xy20yyw4t0om62","companies"]},"domain":{"verdict":"confirmed","domain":"iceye.fi","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://iceye.fi","evidence_excerpt":null,"proposed_by":["probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I010","source_url":"https://iceye.fi/favicon.ico","hash":"39cf172cc2ea2094ba94e5e661ac70b127289b03d2d596258202f4789d9bda3d","ext":"ico","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"root-favicon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. It would have to be re-formed as a premises product to enter the ladder.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"ICEYE: Back-office or catchment-scale flood intelligence delivered to insurers, authorities or downstream warning chains. Nothing is installed at an individual policyholder's premises, so it cannot be sold as a premises service bundled with a premium.","sources":[]},"category_id":"cat_v_satellite_parametric_observation","category_name":"Satellite Flood Observation & Parametric Triggers","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I011","name":"Swiss Re ICEYE Partnership","initiative_type":"internal-insurer-initiative","channel":"V","channel_label":"Vulnerability","mechanism_summary":"Integrates SAR satellite flood-monitoring data into a reinsurer's geo-risk platform for near-real-time flood observation and accelerated loss assessment, establishing the peer template that other major reinsurers and primaries replicate to compress claims timelines.","mechanism_tags":["satellite_monitoring","insurer_delivery","claims_acceleration","parametric_trigger"],"tech_stack":["SAR_satellite","geospatial_analytics"],"disclosed_funding":null,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"swiss_re_iceye_press_release","title":"Swiss Re — Swiss Re announces strategic partnership with radar satellite-based flood monitoring provider ICEYE (2 March 2021 press release)","tier":"T1","publisher":"swiss_re","url":"https://www.swissre.com/media/press-release/nr-20210302-swiss-re-strategic-partnership-with-flood-monitoring-provider-iceye.html","wayback_url":"https://web.archive.org/web/https://www.swissre.com/media/press-release/nr-20210302-swiss-re-strategic-partnership-with-flood-monitoring-provider-iceye.html","snapshot_hash":"bc5718d12f7ccafa7d4dab05cdb6818e8babefc263ba6cb20a3c67f8e9b02813","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/bc5718d12f7ccafa7d4dab05cdb6818e8babefc263ba6cb20a3c67f8e9b02813.html","publication_date":"2021-03-02","fetched_at":"2026-05-21T07:42:49Z","page_exists":true},{"slug":"iceye_independent_validation","title":"ICEYE — independent corroboration (Wikipedia + Esri partner + Insurance Business + Life Insurance International + Business Insurance)","tier":"T2","publisher":"trade_press_bundle","url":"https://en.wikipedia.org/wiki/ICEYE","wayback_url":"https://web.archive.org/web/https://en.wikipedia.org/wiki/ICEYE","snapshot_hash":"321f10f4ac951f144a3f7a06f73743add76cd6e9a86da8383ef3ea432f554dd6","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/321f10f4ac951f144a3f7a06f73743add76cd6e9a86da8383ef3ea432f554dd6.html","publication_date":"2021-03-02","fetched_at":"2026-05-21T07:39:36Z","page_exists":true}],"evidence_score":4,"description":"This is Swiss Re's integration of ICEYE's SAR flood data into its geo-risk platform for near-real-time observation and faster loss assessment. As with the Generali entry, its value to VIG is as a peer template rather than a direct engagement, since Swiss Re has publicly described the integration architecture and the claims-acceleration mechanism it produces. That published detail gives VIG Re a concrete pattern to replicate rather than design from scratch. It also signals that satellite flood monitoring has moved from experiment to standard reinsurer practice. The relevance is the reference architecture, not the partnership.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Internal-insurer-initiative quota entry - value to VIG is as peer template, not direct engagement. Swiss Re publicly describes integration architecture and claims-acceleration mechanism that VIG-Re could mirror.","next_step":"VIG-Re strategy quarterly memo includes Swiss Re x ICEYE partnership as benchmark in VIG-Re-flood-tooling roadmap; if VIG-Re initiates ICEYE partnership (per I010), architectural template comes from here."},"identity":{"legal_name":"SWISS RE AG","entity_type":"company","jurisdiction":"CH","registration_ids":[{"kind":"lei","value":"529900PS9YW3YY29F326","source":"529900ps9yw3yy29f326"},{"kind":"national_regcode","value":"CHE-191.546.434","source":"529900ps9yw3yy29f326"}],"registered_address":"Mythenquai 50/60, 8002 Zurich, Switzerland","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["529900ps9yw3yy29f326"]},"domain":{"verdict":"confirmed","domain":"swiss-re.ch","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://swiss-re.ch","evidence_excerpt":null,"proposed_by":["probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":"https://www.swissre.com/.resources/swissre-web/webresources/img/graphics/favicon-32x32.png","hash":null,"ext":null,"confidence":null,"reason":"undecodable","brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a data/forecasting service, not a device installable at a policyholder's premises. 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It resolves claims in minutes rather than days, and it is a proven internal architecture that VIG already controls. The obvious extension is applying the same triage to property and flood claims across the CEE portfolio. Because it is VIG's own asset, this is the lowest-friction path to claims automation in the group. The relevance is an internal capability ready to extend.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"VIG self-scan: Beesafe is VIG-Poland's digital-native startup (parented by Compensa TU S.A. VIG) and already operates an end-to-end AI claims-triage stack via Tractable integration. Canonical T08 entry (superseded the withdrawn T07 misclassification — see 2026-05-20 reviewer-fix pass in wiki/log.md).","next_step":"VIG Innovation tracks Beesafe / Compensa AI-claims platform as internal-template for VIG-cross-market rollout."},"identity":{"legal_name":"BEESAFE SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ","entity_type":"company","jurisdiction":"PL","registration_ids":[{"kind":"lei","value":"2594004G2599UEKTN624","source":"2594004g2599uektn624"},{"kind":"national_regcode","value":"0000824339","source":"2594004g2599uektn624"}],"registered_address":"Aleje Jerozolimskie 162, 02-342 Warszawa, PL","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["2594004g2599uektn624"]},"domain":{"verdict":"confirmed","domain":"beesafe.pl","grade":"anchor","anchor_signal":"regnumber","leads_review":null,"evidence_url":"https://beesafe.pl","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"fetch_status:404","brand_verified":true,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is back-office insurer software, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Beesafe Compensa T08: Back-office AI claims-triage, automation or actuarial-pricing tool operating inside the insurer's stack. Nothing is installed at a policyholder's premises.","sources":[]},"category_id":"cat_r_ai_claims_triage","category_name":"AI-Driven Claims Triage & Processing Automation","category_tier":"confirmed","wiki_page":null,"flags":["logo_unavailable"]},{"id":"I077","name":"CEE Insurtech Landscape","initiative_type":"partnership","channel":"R","channel_label":"Recovery","mechanism_summary":"Tracks the pipeline of emerging CEE-domestic AI insurtech startups across the Visegrad region through The Recursive and Vestbee databases, providing VIG's foresight function with early-stage visibility into nascent claims-automation players before they reach the scale at which VIG would evaluate direct partnerships.","mechanism_tags":["market_intelligence","AI_claims_triage","early_stage_tracking","CEE_deployment"],"tech_stack":[],"disclosed_funding":null,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"recursive_cee_ai_homepage","title":"TheRecursive - AI Startups in Central Europe: 90+ Companies in 10+ Markets","tier":"T2","publisher":"recursive","url":"https://therecursive.com/ai-startups-in-central-europe-v4-region/","wayback_url":"https://web.archive.org/web/https://therecursive.com/ai-startups-in-central-europe-v4-region/","snapshot_hash":"853df84714867aad4310ab0c74fdb2b5351059d16b6f55265ef4f2264a4bf66e","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/853df84714867aad4310ab0c74fdb2b5351059d16b6f55265ef4f2264a4bf66e.html","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:41:50Z","page_exists":true},{"slug":"vestbee_hungary","title":"Vestbee CEE Startup Ecosystem - Best Accelerators And Incubators In Hungary (corroboration)","tier":"T2","publisher":"vestbee","url":"https://www.vestbee.com/insights/articles/best-startup-accelerators-and-incubators-in-hungary","wayback_url":"https://web.archive.org/web/https://www.vestbee.com/insights/articles/best-startup-accelerators-and-incubators-in-hungary","snapshot_hash":"d19ce1b85c5be6f11534cbe70c62e603272e7e827e48b9eb35ebeedb0c9dedb8","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/d19ce1b85c5be6f11534cbe70c62e603272e7e827e48b9eb35ebeedb0c9dedb8.html","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:43:11Z","page_exists":true}],"evidence_score":3,"description":"This entry tracks the pipeline of emerging CEE domestic AI insurtech startups across the Visegrád region, drawing on The Recursive and Vestbee databases. It gives VIG's foresight function early visibility into nascent claims-automation players before they reach the scale at which VIG would consider a partnership. It is a market-intelligence view rather than a single venture. Its value is keeping VIG ahead of where regional insurtech capacity is forming. The relevance is observation and pipeline tracking.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Cross-pollination + observability for emerging CEE AI insurtech.","next_step":"VIG Re foresight maintains rolling tracking of TheRecursive + Vestbee + national accelerator pipelines."},"identity":{"legal_name":null,"entity_type":"company","jurisdiction":null,"registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":[]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"no_candidates","resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":null,"hash":null,"ext":null,"confidence":null,"reason":"host_brand_unverified","brand_verified":false,"discovered_via":null},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is back-office insurer software, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"CEE Insurtech Landscape: Back-office AI claims-triage, automation or actuarial-pricing tool operating inside the insurer's stack. Nothing is installed at a policyholder's premises.","sources":[]},"category_id":"cat_r_ai_claims_triage","category_name":"AI-Driven Claims Triage & Processing Automation","category_tier":"confirmed","wiki_page":null,"flags":["no_identity","logo_unavailable","domain_unresolved"]},{"id":"I073","name":"Lemonade Insurance","initiative_type":"company","channel":"R","channel_label":"Recovery","mechanism_summary":"Deploys AI agents to automate insurance policy and claims workflows for EU policyholders via its Dutch subsidiary, benchmarking the speed and cost profile of digital-native AI claims processing that VIG must track as a competitive reference for its own claims-automation programme.","mechanism_tags":["AI_claims_triage","automation","digital_insurer","peer_template"],"tech_stack":["AI","NLP"],"disclosed_funding":412500000.0,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"lemonade_homepage","title":"Lemonade - corporate website","tier":"T2","publisher":"lemonade","url":"https://www.lemonade.com/","wayback_url":"https://web.archive.org/web/https://www.lemonade.com/","snapshot_hash":"16c1b893283be8af1132afeb8b14ccc037dd6259b1b3ace0ff46166ba8961125","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/16c1b893283be8af1132afeb8b14ccc037dd6259b1b3ace0ff46166ba8961125.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:39:54Z","page_exists":true},{"slug":"lemonade_corroboration","title":"Lemonade NYSE IPO 2020 + Wikipedia (corroboration)","tier":"T2","publisher":"wikipedia","url":"https://en.wikipedia.org/wiki/Lemonade_(insurance_company)","wayback_url":"https://web.archive.org/web/https://en.wikipedia.org/wiki/Lemonade_(insurance_company)","snapshot_hash":null,"snapshot_path":null,"publication_date":"2024-01-01","fetched_at":"2026-05-20 12:00:00+00:00","page_exists":true}],"evidence_score":3,"description":"Lemonade is a US digital-native insurer that automates policy and claims workflows with AI, and it runs its European business from Amsterdam under Dutch Central Bank supervision, in markets including Germany, France, the Netherlands and the UK. Its interest to VIG is as a competitive benchmark rather than a partner, since it sets the speed and cost profile of AI-first claims handling. Around half its claims are handled with end-to-end automation, and its loss-adjustment expense ratio has fallen sharply. VIG needs to track that profile as it designs its own claims automation. The relevance is a competitive reference.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"US/global insurtech with EU presence.","next_step":"VIG Re foresight tracks Lemonade EU operations as innovation benchmark."},"identity":{"legal_name":"LEMONADE, INC.","entity_type":"company","jurisdiction":"US","registration_ids":[{"kind":"lei","value":"5493009BKR06OXXU6853","source":"5493009bkr06oxxu6853"}],"registered_address":"C/O McDermott Corporate Services LLC, 1000 North West Street Suite 1400, Wilmington, DE 19801, US","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["5493009bkr06oxxu6853"]},"domain":{"verdict":"confirmed","domain":"lemonade.com","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://lemonade.com","evidence_excerpt":null,"proposed_by":["agent","probe","probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I073","source_url":"https://upload.wikimedia.org/wikipedia/commons/thumb/0/0e/Logo_of_Lemonade%2C_Inc.svg/960px-Logo_of_Lemonade%2C_Inc.svg.png","hash":"62d7e522d5d8c8b394e27c4498f959411af4eedfe52c550edbe7180435a0682a","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"manual-supply"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is back-office insurer software, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Lemonade Insurance: Back-office AI claims-triage, automation or actuarial-pricing tool operating inside the insurer's stack. Nothing is installed at a policyholder's premises.","sources":[]},"category_id":"cat_r_ai_claims_triage","category_name":"AI-Driven Claims Triage & Processing Automation","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I071","name":"Sprout AI Claims","initiative_type":"company","channel":"R","channel_label":"Recovery","mechanism_summary":"Automates routine claims processing using OCR, NLP, and AI — handling complex flood-damage claims in as little as 60 seconds with 96% stated accuracy — reducing manual adjuster workload, compressing settlement cycles, and lowering per-claim operational costs for insurer clients.","mechanism_tags":["AI_claims_triage","automation","claims_acceleration","cost_reduction"],"tech_stack":["AI","NLP","OCR"],"disclosed_funding":6048000.0,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"sprout_ai_homepage","title":"Sprout.ai - corporate website","tier":"T2","publisher":"sprout_ai","url":"https://sprout.ai/","wayback_url":"https://web.archive.org/web/https://sprout.ai/","snapshot_hash":"0addf0c7ae7bd46086016a0a14bce6ddc7be9af60c3878875c3fcb685ff75d96","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/0addf0c7ae7bd46086016a0a14bce6ddc7be9af60c3878875c3fcb685ff75d96.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:42:43Z","page_exists":true},{"slug":"sprout_ai_funding","title":"Sprout.ai GBP 5.4m funding + Insurance Times Awards 2025 (corroboration)","tier":"T2","publisher":"amadeus_capital","url":"https://www.amadeuscapital.com/insurtech-sprout-ai-raises-5-4-million-from-global-investors-to-transform-claims-processing/","wayback_url":"https://web.archive.org/web/https://www.amadeuscapital.com/insurtech-sprout-ai-raises-5-4-million-from-global-investors-to-transform-claims-processing/","snapshot_hash":"24d26f20641d7952bf7fd4852f7eb1962a1ff771a43af0bfa0896a88e976b700","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/24d26f20641d7952bf7fd4852f7eb1962a1ff771a43af0bfa0896a88e976b700.html","publication_date":"2020-01-01","fetched_at":"2026-05-21T07:42:40Z","page_exists":true}],"evidence_score":3,"description":"Sprout.ai automates routine claims processing using OCR, natural-language processing and AI, handling complex claims in as little as a minute in its own demonstrations. That cuts adjuster workload, compresses settlement cycles, and lowers per-claim cost for insurer clients. It is an EU-relevant insurtech whose customers include AXA, which makes it a peer-validated option. For VIG it is a partnership candidate for claims automation. The relevance is a claims-processing partner.","description_status":"draft","actionability":{"mode":"partnership","rationale":"EU-relevant insurtech; AXA customer = peer template for VIG.","next_step":"VIG Re strategy initiates Sprout.ai pilot conversation citing AXA customer + flood-damage-claim case-study."},"identity":{"legal_name":"SPROUT.AI LIMITED","entity_type":"company","jurisdiction":"GB","registration_ids":[{"kind":"national_regcode","value":"11242135","source":"11242135"}],"registered_address":"Unit 11 C/O Sko Accountants Ltd, Angel Yard, 34 Snells Park, London, England, N18 2FD","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["11242135"]},"domain":{"verdict":"confirmed","domain":"sprout.ai","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://sprout.ai","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I071","source_url":"https://sprout.ai/wp-content/uploads/2025/10/Icon-Green-RGB-150x150.png","hash":"6f768e0132e1471b3432ad3a71a6ee3b6f2946665ab30d18197d399e09f9cf65","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is back-office insurer software, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Sprout AI Claims: Back-office AI claims-triage, automation or actuarial-pricing tool operating inside the insurer's stack. Nothing is installed at a policyholder's premises.","sources":[]},"category_id":"cat_r_ai_claims_triage","category_name":"AI-Driven Claims Triage & Processing Automation","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I074","name":"Swiss Re SwiftRe","initiative_type":"internal-insurer-initiative","channel":"R","channel_label":"Recovery","mechanism_summary":"Provides AI-augmented reinsurance and catastrophe-claims tooling within Swiss Re's catastrophe-response stack, enabling faster loss estimation and reserve-setting after flood events and serving as a peer template for VIG Re's own AI claims-acceleration programme design.","mechanism_tags":["AI_claims_triage","reinsurance_stack","peer_template","claims_acceleration"],"tech_stack":["AI","machine_learning"],"disclosed_funding":null,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"swiss_re_swiftre_homepage","title":"Swiss Re catastrophe-response stack SwiftRe (placeholder; claims-journal 2025-03-27)","tier":"T2","publisher":"swiss_re","url":"https://www.swissre.com/","wayback_url":"https://web.archive.org/web/https://www.swissre.com/","snapshot_hash":"d81782be6d9467d94ba4cfe195cb9e7fb980143ad295d8a1fa6ed78421e6ce96","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/d81782be6d9467d94ba4cfe195cb9e7fb980143ad295d8a1fa6ed78421e6ce96.html","publication_date":"2025-03-27","fetched_at":"2026-05-21T07:42:51Z","page_exists":true},{"slug":"aon_drone_corroboration","title":"Aon UK Flying High + Jensen Hughes Drone Technology Disaster Response (corroboration)","tier":"T2","publisher":"jensenhughes","url":"https://www.jensenhughes.com/europe/insights/drone-technology-a-game-changer-in-disaster-response-insurance-claims","wayback_url":"https://web.archive.org/web/https://www.jensenhughes.com/europe/insights/drone-technology-a-game-changer-in-disaster-response-insurance-claims","snapshot_hash":"3944bb243b5e1e18df55b827e58ef783ce12deb308ade5fb7dd54fe6fcfc7fae","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/3944bb243b5e1e18df55b827e58ef783ce12deb308ade5fb7dd54fe6fcfc7fae.html","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:35:53Z","page_exists":true}],"evidence_score":3,"description":"SwiftRe is Swiss Re's digital platform for facultative property and casualty reinsurance, letting cedents submit, quote and bind single or mid-market risks quickly, with placement, accounting and claims functions built in. Its relevance to VIG is as a template for digitising facultative reinsurance workflows rather than as an AI claims tool. Through the Swiss Re relationship VIG Re could weigh the same submit-quote-bind efficiency for its own facultative business. It is a reference platform, not a product to acquire. The relevance is workflow digitisation on the reinsurance side.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Peer template via Swiss Re relationship.","next_step":"VIG Re commissions SwiftRe-template review via existing Swiss Re reinsurance relationship."},"identity":{"legal_name":"SWISS RE AG","entity_type":"company","jurisdiction":"CH","registration_ids":[{"kind":"lei","value":"529900PS9YW3YY29F326","source":"529900ps9yw3yy29f326_11e1f860"},{"kind":"national_regcode","value":"CHE-191.546.434","source":"529900ps9yw3yy29f326_11e1f860"}],"registered_address":"Mythenquai 50/60, 8002 Zurich, CH","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["529900ps9yw3yy29f326_11e1f860"]},"domain":{"verdict":"confirmed","domain":"swiss-re.ch","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://swiss-re.ch","evidence_excerpt":null,"proposed_by":["probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"unavailable","url":null,"source_url":"https://www.swissre.com/.resources/swissre-web/webresources/img/graphics/favicon-32x32.png","hash":null,"ext":null,"confidence":null,"reason":"undecodable","brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is back-office insurer software, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Swiss Re SwiftRe: Back-office AI claims-triage, automation or actuarial-pricing tool operating inside the insurer's stack. Nothing is installed at a policyholder's premises.","sources":[]},"category_id":"cat_r_ai_claims_triage","category_name":"AI-Driven Claims Triage & Processing Automation","category_tier":"confirmed","wiki_page":null,"flags":["logo_unavailable"]},{"id":"I070","name":"Tractable T08","initiative_type":"company","channel":"R","channel_label":"Recovery","mechanism_summary":"Applies deep-learning computer vision trained on tens of millions of damage photographs to score property damage severity from smartphone photos, automatically routing claims for immediate payment or manual review, compressing resolution from days to minutes and cutting processing costs by up to 73% in documented deployments.","mechanism_tags":["AI_claims_triage","computer_vision","claims_acceleration","cost_reduction"],"tech_stack":["AI","computer_vision","deep_learning"],"disclosed_funding":160500000.0,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"tractable_homepage","title":"Tractable - corporate website","tier":"T2","publisher":"tractable","url":"https://tractable.ai/","wayback_url":"https://web.archive.org/web/https://tractable.ai/","snapshot_hash":"d12be5eee8c81b3a3ae7af500e326e25ad94f9747239bc7e680ff8bb68a7a0eb","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/d12be5eee8c81b3a3ae7af500e326e25ad94f9747239bc7e680ff8bb68a7a0eb.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:43:01Z","page_exists":true},{"slug":"tractable_series_e","title":"Tractable Series E + Verisk partnership + Beesafe customer (corroboration)","tier":"T2","publisher":"trade_press","url":"https://insurtechdigital.com/articles/insurance-claims-ai-unicorn-tractable-closes-65m-series-e","wayback_url":"https://web.archive.org/web/https://insurtechdigital.com/articles/insurance-claims-ai-unicorn-tractable-closes-65m-series-e","snapshot_hash":"e5d61232f21a218aa25d21f268753b90cf309d464a7e9c3ba98ef23b836cfeea","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/e5d61232f21a218aa25d21f268753b90cf309d464a7e9c3ba98ef23b836cfeea.html","publication_date":"2023-07-18","fetched_at":"2026-05-21T07:43:04Z","page_exists":true}],"evidence_score":3,"description":"Tractable builds computer-vision AI that assesses damage from smartphone photos, scoring severity so an insurer can settle or route a claim in minutes rather than days. Trained on tens of millions of damage images, it is used across motor and property claims and processes billions of dollars of repairs a year. The company raised a 65 million dollar Series E led by SoftBank Vision Fund 2 in 2023, taking total funding to roughly 185 million dollars. Its relevance to VIG is direct: VIG Poland's Beesafe already uses Tractable for motor claims, so extending the same triage to property and flood claims is a natural next step rather than a cold start. That existing CEE relationship makes it one of the stronger partnership leads in the recovery channel.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Canonical T08 entry for Tractable (superseded the withdrawn T07 misclassification — see 2026-05-20 reviewer-fix pass in wiki/log.md). 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It is a claims-linked rebuild service, not a pre-event device installed and priced into a premium.","sources":[]},"category_id":"cat_r_modular_rapid_reconstruction","category_name":"Modular & Prefabricated Rapid Reconstruction","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I082","name":"Simple House PL","initiative_type":"company","channel":"R","channel_label":"Recovery","mechanism_summary":"Produces timber-frame prefabricated houses on a 2-to-5-month build cycle, providing a repeatable post-flood residential reconstruction option in the Polish market and enabling VIG-preferred-contractor deployment to reduce policyholder displacement time after a flood event.","mechanism_tags":["modular_reconstruction","post_event_rebuild","claims_linked","rapid_deployment"],"tech_stack":["modular_construction","prefabrication"],"disclosed_funding":null,"currency":"EUR","difficulty":"deep","axes_hit":[],"sources":[{"slug":"simple_house_homepage","title":"Simple House PL - manufacturer of modular houses","tier":"T2","publisher":"simple_house","url":"https://simplehouse.pl/en/about/","wayback_url":"https://web.archive.org/web/https://simplehouse.pl/en/about/","snapshot_hash":"8afcd710170b2236fcd435ec96542a1f16301aca21f29dab54192c30e511aafa","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/8afcd710170b2236fcd435ec96542a1f16301aca21f29dab54192c30e511aafa.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:42:30Z","page_exists":true},{"slug":"dmd_modular_corroboration","title":"Spectis Polish modular review + Modular System Klodzko deployment (corroboration)","tier":"T2","publisher":"spectis","url":"https://spectis.pl/blog-en/modular-construction-in-poland-a-review-of-the-most-interesting-projects","wayback_url":"https://web.archive.org/web/https://spectis.pl/blog-en/modular-construction-in-poland-a-review-of-the-most-interesting-projects","snapshot_hash":"d6ab91fa5b6dd504ca3d87cdd3f1ac21431c7a939dcdfb5b47711a8152146972","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/d6ab91fa5b6dd504ca3d87cdd3f1ac21431c7a939dcdfb5b47711a8152146972.html","publication_date":"2024-10-01","fetched_at":"2026-05-21T07:37:11Z","page_exists":true}],"evidence_score":3,"description":"Simple House is a Polish manufacturer of prefabricated timber-frame houses, delivered in a matter of months through advanced prefabrication. That gives flood-affected policyholders a faster route to permanent housing than conventional on-site building. As a domestic manufacturer in a VIG-core market it fits a preferred-contractor arrangement. For VIG it is a recovery-side partnership candidate. The relevance is a reconstruction partner.","description_status":"draft","actionability":{"mode":"partnership","rationale":"PL-domestic; rapid-deployment specialist in VIG-core market.","next_step":"Compensa adds Simple House to preferred-contractor catalogue for rapid post-flood customer rebuild."},"identity":{"legal_name":null,"entity_type":"company","jurisdiction":"PL","registration_ids":[],"registered_address":null,"programme_id":null,"programme_host":null,"enrichment_status":"no_identity_found","identity_sources":[]},"domain":{"verdict":"unresolved","domain":null,"grade":null,"anchor_signal":null,"leads_review":null,"evidence_url":null,"evidence_excerpt":null,"proposed_by":[],"reason":"no_candidates","resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I082","source_url":"https://simplehouse.pl/wp-content/themes/simple-house-v2/images/favicon/favicon-32x32.png","hash":"047d521150608b1d31e94efc5c4cf5ff36378c3a385302c3c914b659993797a8","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Out of frame: reconstruction happens after the loss, so the pre-event premises-install ladder does not apply.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Simple House PL: Post-loss modular reconstruction capacity engaged after a flood destroys a building. It is a claims-linked rebuild service, not a pre-event device installed and priced into a premium.","sources":[]},"category_id":"cat_r_modular_rapid_reconstruction","category_name":"Modular & Prefabricated Rapid Reconstruction","category_tier":"confirmed","wiki_page":null,"flags":["no_identity","domain_unresolved"]},{"id":"I085","name":"Skanska Modular","initiative_type":"company","channel":"R","channel_label":"Recovery","mechanism_summary":"Deploys modular construction capability across VIG-core Central European markets through Skanska Poland's position as one of the largest construction primes in Poland, providing post-flood rebuild capacity at a scale relevant to large commercial and residential portfolio losses.","mechanism_tags":["modular_reconstruction","post_event_rebuild","claims_linked","large_scale"],"tech_stack":["modular_construction","prefabrication"],"disclosed_funding":null,"currency":"EUR","difficulty":"obvious","axes_hit":[],"sources":[{"slug":"skanska_homepage","title":"Skanska AB - corporate (placeholder)","tier":"T2","publisher":"skanska","url":"https://www.skanska.com/","wayback_url":"https://web.archive.org/web/https://www.skanska.com/","snapshot_hash":"d3d6f7ffffbeac9182e39aa2136cce770e8576a5fbd4504d49ab2f4613f7cf5e","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/d3d6f7ffffbeac9182e39aa2136cce770e8576a5fbd4504d49ab2f4613f7cf5e.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:42:33Z","page_exists":true},{"slug":"koma_modular_corroboration","title":"Spectis Modular construction in Poland review (corroboration of CEE modular market)","tier":"T2","publisher":"spectis","url":"https://spectis.pl/blog-en/modular-construction-in-poland-a-review-of-the-most-interesting-projects","wayback_url":"https://web.archive.org/web/https://spectis.pl/blog-en/modular-construction-in-poland-a-review-of-the-most-interesting-projects","snapshot_hash":"d3e1737161041471ced733a7a18b5ac219368ad4528c33685e0da1e83624a020","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/d3e1737161041471ced733a7a18b5ac219368ad4528c33685e0da1e83624a020.html","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:39:44Z","page_exists":true}],"evidence_score":3,"description":"Skanska Poland is one of the largest construction primes in the Polish market, giving it the scale to absorb large commercial and residential portfolio losses that smaller vendors could not. Modular construction sits mainly at Skanska group level, including its BoKlok housing venture, rather than as a documented Polish product line. For VIG the value is prime-contractor rebuild capacity in a core market. It complements the smaller domestic modular specialists. The relevance is large-scale reconstruction capacity.","description_status":"draft","actionability":{"mode":"partnership","rationale":"Skanska Poland is one of largest construction primes in VIG-core PL market.","next_step":"Compensa builds preferred-contractor relationship with Skanska Poland for post-flood-event customer-rebuild at scale."},"identity":{"legal_name":"Skanska AB","entity_type":"company","jurisdiction":"SE","registration_ids":[{"kind":"lei","value":"549300UINV5RINHGMG07","source":"549300uinv5rinhgmg07"},{"kind":"national_regcode","value":"556000-4615","source":"549300uinv5rinhgmg07"}],"registered_address":"Warfvinges väg 25, 112 74 Stockholm, SE","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["549300uinv5rinhgmg07"]},"domain":{"verdict":"confirmed","domain":"skanska.com","grade":"verifier","anchor_signal":"verifier","leads_review":"pending","evidence_url":null,"evidence_excerpt":"skanska.com live-serves Skanska's global site ('world leading project development and construction company, 135+ years'), and the Skanska AB group site group.skanska.com 301-redirects to www.skanska.com/group/en, so the parent Skanska AB's (SE) corporate web identity lives on skanska.com. skanska.se","proposed_by":["agent","probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I085","source_url":"https://www.skanska.com/favicon.svg","hash":"e2ac52c499284774e2fad7bc2d24837673db7910c8d7f0541cbe157b89da0e95","ext":"svg","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"icon"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Out of frame: reconstruction happens after the loss, so the pre-event premises-install ladder does not apply.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Skanska Modular: Post-loss modular reconstruction capacity engaged after a flood destroys a building. It is a claims-linked rebuild service, not a pre-event device installed and priced into a premium.","sources":[]},"category_id":"cat_r_modular_rapid_reconstruction","category_name":"Modular & Prefabricated Rapid Reconstruction","category_tier":"confirmed","wiki_page":null,"flags":["leads_review_pending"]},{"id":"I083","name":"UK Buildoffsite","initiative_type":"partnership","channel":"R","channel_label":"Recovery","mechanism_summary":"Coordinates UK standards and best practice for off-site and modular construction through the Buildoffsite membership network, the BOPAS accreditation scheme it runs, and its work with the MHCLG modern-methods-of-construction working group, providing the quality framework that underpins the post-flood rapid-rebuild ecosystem on which insurers such as VIG depend.","mechanism_tags":["industry_association","modular_reconstruction","standards_development","policy_support"],"tech_stack":[],"disclosed_funding":null,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"uk_buildoffsite_homepage","title":"UK Buildoffsite - umbrella organisation (placeholder)","tier":"T2","publisher":"buildoffsite","url":"https://www.buildoffsite.com/","wayback_url":"https://web.archive.org/web/https://www.buildoffsite.com/","snapshot_hash":"f10b177ea8ce315c3a61dd5bb37cebe3f510275a45e16214eb30982ef737f3b9","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/f10b177ea8ce315c3a61dd5bb37cebe3f510275a45e16214eb30982ef737f3b9.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:43:07Z","page_exists":true},{"slug":"modular_construction_corroboration","title":"Construction Leaders article + Mar-Key Group emergency response (corroboration)","tier":"T2","publisher":"construction_leaders","url":"https://www.constructionleaders.org/2025/08/when-disaster-strikes-modular-construction-delivers/","wayback_url":"https://web.archive.org/web/https://www.constructionleaders.org/2025/08/when-disaster-strikes-modular-construction-delivers/","snapshot_hash":"9460474760c36362258dbdbbe569cc0843937434515bd1d848ea1190a1a2bc19","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/9460474760c36362258dbdbbe569cc0843937434515bd1d848ea1190a1a2bc19.html","publication_date":"2025-08-01","fetched_at":"2026-05-21T07:40:40Z","page_exists":true}],"evidence_score":3,"description":"Buildoffsite coordinates UK standards and best practice for off-site and modular construction, and runs the BOPAS accreditation scheme used to assure modular building quality. That framework underpins the rapid-rebuild ecosystem insurers depend on. It is an industry membership body rather than a vendor, so it is not a direct VIG counterparty. Its value to VIG is as the reference framework behind modular reconstruction quality. The relevance is observation.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"UK industry-association entry.","next_step":"VIG Re foresight tracks Buildoffsite alumni for emerging modular post-disaster reconstruction capability."},"identity":{"legal_name":"CONSTRUCTION INDUSTRY RESEARCH AND INFORMATION ASSOCIATION","entity_type":"company","jurisdiction":"GB","registration_ids":[{"kind":"national_regcode","value":"00790505","source":"00790505"}],"registered_address":"124 City Road, London, England, EC1V 2NX","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["00790505"]},"domain":{"verdict":"confirmed","domain":"ciria.org","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://ciria.org","evidence_excerpt":null,"proposed_by":["agent"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I083","source_url":"https://ciria.org/apple-touch-icon.png","hash":"cc243ce6fa74a29c8fa26fdbc7252e03dcff4e702e47ff447cdbee17b4959564","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"root-apple"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"Out of frame: reconstruction happens after the loss, so the pre-event premises-install ladder does not apply.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"UK Buildoffsite: Post-loss modular reconstruction capacity engaged after a flood destroys a building. It is a claims-linked rebuild service, not a pre-event device installed and priced into a premium.","sources":[]},"category_id":"cat_r_modular_rapid_reconstruction","category_name":"Modular & Prefabricated Rapid Reconstruction","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I086","name":"Allianz Drone Claims","initiative_type":"internal-insurer-initiative","channel":"R","channel_label":"Recovery","mechanism_summary":"Operates a structured drone-investigations practice across UK and VIG-peer CEE markets to accelerate property and aviation claims assessment, providing a directly mirrorable peer template for VIG to design a CEE-wide drone-deployment programme that compresses post-flood claim-cycle times.","mechanism_tags":["drone_damage_assessment","claims_acceleration","peer_template","CEE_deployment"],"tech_stack":["drones","computer_vision"],"disclosed_funding":null,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"allianz_drone_uk_homepage","title":"Allianz UK - Drones and insurance claims investigations","tier":"T2","publisher":"allianz","url":"https://www.allianz.co.uk/news-and-insight/insight-and-expertise/drones-insurance-claims-investigations.html","wayback_url":"https://web.archive.org/web/https://www.allianz.co.uk/news-and-insight/insight-and-expertise/drones-insurance-claims-investigations.html","snapshot_hash":"ff3b4e052b1af55c6eb2a12dd524e9690fffe7130bf3aa82af15da084af00af3","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/ff3b4e052b1af55c6eb2a12dd524e9690fffe7130bf3aa82af15da084af00af3.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:33:54Z","page_exists":true},{"slug":"allianz_uas_commercial_article","title":"Allianz Commercial (AGCS) expert risk article - Uses and benefits of UAS","tier":"T2","publisher":"allianz_agcs","url":"https://commercial.allianz.com/news-and-insights/expert-risk-articles/uses-and-benefits-of-uas.html","wayback_url":"https://web.archive.org/web/https://commercial.allianz.com/news-and-insights/expert-risk-articles/uses-and-benefits-of-uas.html","snapshot_hash":"188f73f79c79cadb691426c3819335d88d782eb3099110b3d59ee62c9a735e04","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/188f73f79c79cadb691426c3819335d88d782eb3099110b3d59ee62c9a735e04.html","publication_date":"2026-05-20","fetched_at":"2026-05-21T07:35:46Z","page_exists":true}],"evidence_score":3,"description":"This is Allianz's structured drone-investigations practice, documented in the UK, used to speed up property and aviation claims assessment. Allianz is the closest VIG peer across Czechia, Poland, Hungary, Austria, Romania and Bulgaria, so the same playbook is a natural template for those markets. VIG Re could use it as the basis for a CEE-wide drone-deployment programme. It is a peer practice, not a product. The relevance is the operational template, with the CEE extension inferred from Allianz's regional presence.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Internal-insurer-initiative quota entry. Allianz is the closest VIG peer in CEE markets (CZ, PL, HU, AT, RO, BG); drone-investigations playbook is a directly mirrorable template for VIG-Re's drone-deployment programme design.","next_step":"VIG Re strategy commissions Allianz-drone-template review (UK Insight + AGCS UAS article) and prepares VIG-equivalent drone-deployment programme brief aligned with VIG-CEE underwriting practice."},"identity":{"legal_name":"Allianz SE","entity_type":"company","jurisdiction":"DE","registration_ids":[{"kind":"lei","value":"529900K9B0N5BT694847","source":"529900k9b0n5bt694847"},{"kind":"national_regcode","value":"HRB 164232","source":"529900k9b0n5bt694847"}],"registered_address":"Königinstr. 28, 80802 München, DE","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["529900k9b0n5bt694847"]},"domain":{"verdict":"confirmed","domain":"allianz.de","grade":"anchor","anchor_signal":"name_cosignal","leads_review":null,"evidence_url":"https://allianz.de","evidence_excerpt":null,"proposed_by":["probe"],"reason":null,"resolved_at":"2026-07-28"},"logo":{"status":"ok","url":"/api/runs/2026-flooding-europe-catalog/logos/I086","source_url":"https://upload.wikimedia.org/wikipedia/commons/thumb/6/6e/Allianz_logo.svg/960px-Allianz_logo.svg.png","hash":"36d84caff82b510c39f15eebc73441fa61e7e5dc719afbaf409df25fb94ed6e8","ext":"png","confidence":"high","reason":null,"brand_verified":true,"discovered_via":"manual-supply"},"serviceability":{"score":0,"gates":{"deployability":"fail","install_cost":"not_reached","payback":"not_reached","delta_loss":"not_reached","verification":"not_reached"},"install_cost_eur":null,"install_cost_tier":null,"payback_years":null,"next_gate":"No near-term path to gate 1: this is a claims-desk assessment capability, not a premises install.","confidence":"L","evidence_gap":false,"gap_reason":null,"justification":"Allianz Drone Claims: Post-event aerial or SAR damage-assessment service run from the insurer's claims desk, or drone-operator insurance enabling it. It is not installed at a policyholder's premises.","sources":[]},"category_id":"cat_r_post_event_remote_assessment","category_name":"Post-Event Aerial & Satellite Damage Assessment","category_tier":"confirmed","wiki_page":null,"flags":[]},{"id":"I062","name":"Aon Drone Property Claims","initiative_type":"internal-insurer-initiative","channel":"R","channel_label":"Recovery","mechanism_summary":"Deploys drones within 1-2 days of a major flood event to capture real-time aerial damage footage, accelerating loss assessment, improving accuracy, and compressing the time from event to claim settlement — reducing operational costs and minimising policyholder settlement delays.","mechanism_tags":["claims_acceleration","drone_assessment","post_event_damage","operational_efficiency"],"tech_stack":["drones","computer_vision"],"disclosed_funding":null,"currency":"EUR","difficulty":"mid","axes_hit":[],"sources":[{"slug":"aon_drone_homepage","title":"Aon Insights - Technology Revolutionizes Real-Time Modeling and Response","tier":"T2","publisher":"aon","url":"https://www.aon.com/en/insights/articles/technology-revolutionizes-real-time-modeling-and-response","wayback_url":"https://web.archive.org/web/https://www.aon.com/en/insights/articles/technology-revolutionizes-real-time-modeling-and-response","snapshot_hash":"47e49667cffcdc44d643c629cd3eed9af5c29d3e29fb4b0ad7912b2b26d7fc6e","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/47e49667cffcdc44d643c629cd3eed9af5c29d3e29fb4b0ad7912b2b26d7fc6e.html","publication_date":"2025-03-01","fetched_at":"2026-05-21T07:35:55Z","page_exists":true},{"slug":"aon_drone_corroboration","title":"Aon UK Flying High + Jensen Hughes Drone Technology Disaster Response (corroboration)","tier":"T2","publisher":"jensenhughes","url":"https://www.jensenhughes.com/europe/insights/drone-technology-a-game-changer-in-disaster-response-insurance-claims","wayback_url":"https://web.archive.org/web/https://www.jensenhughes.com/europe/insights/drone-technology-a-game-changer-in-disaster-response-insurance-claims","snapshot_hash":"3944bb243b5e1e18df55b827e58ef783ce12deb308ade5fb7dd54fe6fcfc7fae","snapshot_path":"pilots/2026-flooding-europe/wiki/snapshots/3944bb243b5e1e18df55b827e58ef783ce12deb308ade5fb7dd54fe6fcfc7fae.html","publication_date":"2024-01-01","fetched_at":"2026-05-21T07:35:53Z","page_exists":true}],"evidence_score":3,"description":"This is Aon's practice of deploying drones within a day or two of a major flood to capture aerial damage footage. The imagery speeds up loss assessment, improves accuracy, and shortens the time from event to settlement, which lowers both operating cost and policyholder waiting time. It is an internal insurer practice rather than a product to buy, so its value to VIG is as a peer template. VIG Re could design a comparable drone-response capability for CEE catastrophes. The relevance is the operational playbook.","description_status":"draft","actionability":{"mode":"observation-only","rationale":"Peer template for VIG.","next_step":"VIG Re commissions Aon-drone-template review; assesses VIG-Re drone capability gap."},"identity":{"legal_name":"AON PUBLIC LIMITED COMPANY","entity_type":"company","jurisdiction":"IE","registration_ids":[{"kind":"lei","value":"635400FALWQYX5E6QC64","source":"635400falwqyx5e6qc64"}],"registered_address":"15 Georges Quay, Dublin 2, Dublin, D02 VR98, Ireland","programme_id":null,"programme_host":null,"enrichment_status":"enriched","identity_sources":["635400falwqyx5e6qc64"]},"domain":{"verdict":"confirmed","domain":"aon.com","grade":"verifier","anchor_signal":"verifier","leads_review":"pending","evidence_url":null,"evidence_excerpt":"Live fetch of aon.com shows the official Aon plc site (footer '(c)2026 Aon plc. All rights reserved.', global professional-services/insurance-broking operations, investor relations). 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Its work helps insurers design systematic drone-assessment programmes that shorten claim cycles and cut loss-adjustment costs. It is an advisory firm rather than a product vendor, so it is not a direct VIG counterparty. Its value is as a source of programme-design know-how. 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That lets insurers run faster, safer aerial damage surveys where physical site access is blocked or dangerous after a flood. It is a peer practice rather than a vendor VIG would buy from. Its value is as a template for how to combine drone cover and drone surveys in a claims workflow. 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