For commercial property insurers, rainwater damage is a category of claims that keeps growing: around 20% of global natural-disaster damage comes from rainwater flooding, and the average event in an industrial, commercial or public building costs roughly $2 million. Storms designed as 1-in-100-year events now recur about once a decade - which means underwriting based on historical claims data lags behind the climate reality.
Risk reduction at the source, not just compensation after the fact
An active blue roof detains rainwater on the roof during the peak and releases it at a controlled rate after the storm. The measured result on active deployments: roughly 30% reduction in peak discharge from a single connected roof. For an insurer, that is a direct reduction in the probability of basement, parking-garage and ground-floor flooding - the main source of large claims in commercial buildings.
Every rain event - documented, measured, claims-ready
The unique value for insurers is the data: every SmartFlow unit measures the water level in real time and logs every valve action with a timestamp and weather context. Rain-event reports are generated from measured data - not estimates - and export to PDF or CSV. For underwriting and claims settlement, this is the difference between argument and evidence: you can know exactly how much water was on the roof, when it was released, and whether the system operated as designed during the event.
Fail-safe: the system can never add risk
The first question every underwriter asks: what happens when the system fails? The engineering answer: the valve is open by default. On any fault - power loss, communications loss, software failure - the drain stays open and the roof drains normally. The system can only reduce existing risk - never add new risk. Detention is temporary only, at the minimum level set by the site's hydrological requirement, and the waterproofing is never touched.
What this offers insurers and underwriters
- Lower claim probability: less water at the storm peak means fewer basement and parking-garage floods.
- Underwriting data: a measured, per-asset rain-event history instead of a generic assessment.
- Faster claims settlement: a timestamped event report closes disputes over the timing and intensity of an event.
- A policyholder incentive: requiring or crediting active mitigation - as is standard for fire detection and flood protection in developed markets.
Proven in the field and open to a conversation
SmartFlow operates 17+ active deployments across Israel, including a 14-site network in Acre, carries the Solar Impulse Efficient Solution label and builds on research foundations at the Technion. If you are an underwriter, risk manager or product developer at an insurance company - we would be glad to walk you through the data and explore incentive and risk-reduction models together. Reach out through the contact page.