1Sentinelle
The clause
The property policy the town awarded by public tender covers the school. If a natural disaster is recognized by order, the law sets the deductible and the time to declare.
The use case
Follow one school through a flood
Insured property is where the gap between contract and ground hurts first. A town, a school, a river, and the steps the system is designed to take, from the clause to the decision.
Fictional town · designed, not built
The replay, step by step
Before the season
Sentinelle reads the policy
The property policy the town awarded by public tender lists the school. Each cover, exclusion, limit and deadline is read and tied to its clause. If a natural disaster is recognized by order, the law sets the deductible and the time to declare.
On file: policy version, clause by clause, with the article of law behind each rule.
Day 0
Heavy rain, and the river leaves its bed
The river overflows into the low streets near the school. Nothing in the contract changes; what changes is the ground.
Nothing is decided at this step.
Day 1
Vigil9 reads the radar pass
Copernicus radar sees through cloud. The mapped water extent overlaps the school's parcel. It shows water, not damage: depth and damage stay with the adjuster.
On file: the image, its date, and the method used to read it.
Day 1
The join matches building, date and peril
Address, parcel and building ID point to the same school. The peril is the same on both sides: river overflow, not run-off or groundwater. The event falls inside the policy period. Here the match is strong; a weak one would go to a person.
On file: the match score and the version of the rules and model that produced it.
Day 1
An agent prepares; a person decides
An agent asks the town to inspect the school and prepares a draft declaration, clause and image attached. Once staff have seen the damage, a person at the town or its broker completes it and sends it. The time left runs from their knowledge of the loss, never from a satellite pass.
On file: who decided, and when.
Day 12
The natural-disaster order is published
Once the state publishes the natural-disaster order (arrêté) naming the town, the time to declare under the scheme runs 30 days from its publication. The display is updated; nothing is sent without a person.
On file: the order, its date, and the recomputed time left.
At renewal
Before any loss, the same join flags gaps
At each renewal or re-tender, the same join lists the buildings whose cover no longer matches what they face: a school missing from the schedule, a limit below the value the owner declares, a peril the wording leaves out.
On file: the gap, its clause, its evidence, and what was done about it.
Or use the arrow keys
The four steps
Clause, image, match, alert
2Vigil9
The image
Copernicus maps the flood extent; radar sees through cloud. The water overlaps the school's parcel. Depth and damage stay with the adjuster.
3The join
The match
Same building, same peril, inside the policy period. Weak matches go to a person. The clause is tested; the time left to declare is shown.
4An agent
The alert
An agent asks the town to inspect the school and prepares a draft declaration, clause and image attached. Once staff have seen the damage, the town or its broker sends it. Before any loss, the same join flags gaps at renewal.
Kept on fileClause version · image, date and how it was read · match score, model version · who decided, when
Three moments
When a town or its broker needs this
At renewal or re-tender. Is each building still covered for what it faces? The join is designed to list the gaps, clause by clause.
After an event. Which buildings the water reached, what the clauses say, how long is left to declare. A person decides what to send.
Before a tender. The questions the tender should answer, from what the portfolio actually faces.
First proof · planned
Replay a real flood, building by building
The Pas-de-Calais floods of November 2023 were mapped by the Copernicus Emergency Management Service (activation EMSR706). We will cross the towns hit, the insurance terms they published, and the flood extent, then check the result against the published natural-disaster orders.
Designed, not built. First step: confirm that the towns concerned published their insurance tenders.
Next
Bring us a portfolio
Owners of many buildings and their brokers: an eight-week diagnostic of your own contracts, building by building.
Mehdi Kheredine · Founder and CEO
mehdi.kheredine@legibus.ai