Address Cleansing for Insurance Underwriting and Operations
Inaccurate property location data is a direct underwriting risk. Semilariti ensures every policy address is clean, standardised, and matched to its authoritative UPRN — so your risk models are working from accurate inputs.
The Risk of Dirty Address Data in Insurance
Insurance pricing and underwriting depends on accurate property location. Flood risk, subsidence risk, crime risk, property value — all of these models use address coordinates as a primary input. When an address is imprecisely located or incorrectly matched, the risk model is working on flawed data — potentially mispricing risk in either direction.
The problem is compounded by the fact that address data enters insurance systems through multiple channels: broker submissions, direct applications, policy renewals, claims forms. Each introduces the possibility of formatting inconsistencies, typos, and partial addresses that don't resolve cleanly to a specific property.
How Semilariti Supports Insurance Operations
Underwriting Accuracy
Match every policy address to its UPRN and retrieve precise coordinates — ensuring flood zone lookups, subsidence risk queries, and property characteristic models are based on the correct location.
Policy Portfolio Cleansing
Clean your existing policy book — correcting historical address inconsistencies, assigning UPRNs, and standardising formatting across your entire portfolio.
Broker Submission Standardisation
Process incoming broker submissions to standardise address data before it enters your core systems — preventing dirty data at source.
Claims Processing
Verify and standardise property addresses on incoming claims — ensuring the claimed property is correctly identified and consistent with the policy record.
Renewals Data Quality
Clean address data ahead of portfolio renewals — ensuring your risk reassessment is based on accurate, precisely located property records.