Mitigrate and Certificall Partner to Scale Climate-Risk Prevention for Insurers

Mitigrate and Certificall have entered a strategic partnership to integrate field-validated visual evidence into flood-risk modelling. For insurance carriers and MGAs, this move addresses the gap between remote climate risk assessment and physical property resilience, enabling more accurate underwriting, fraud reduction, and the ability to reward policyholders for verified mitigation efforts.

What was announced

The partnership introduces a system where Certificall’s field-evidence technology is integrated directly into Mitigrate’s flood-risk vulnerability modelling. This allows insurance carriers to move beyond theoretical risk models by incorporating verified, field-level insights. The technology facilitates the collection of timestamped and geo-located visual evidence from policyholders or field agents, ensuring that data regarding property-level mitigation is both reliable and tamper-proof.

By closing the loop between remote analysis and physical proof, the collaboration enables insurers to identify specific mitigation measures currently in place and validate their effectiveness. This operational process allows for the prioritisation of impactful actions to strengthen building resilience across Europe and other regions. Key functional outcomes for insurers include:

• A significant reduction in the cost of flood-risk surveys, making targeted property assessments more affordable across various asset types.
• Enhanced underwriting and risk retention through accurate, up-to-date vulnerability modelling and straightforward self-assessments.
• The ability to reward real prevention efforts with fair, data-driven deductible adjustments.
• A fraud-free operating environment, supported by ISO-certified image integrity and audited effectiveness of installed measures.

Certificall’s field-evidence technology enhances Mitigrate’s capacity to support insurers by strengthening prevention strategies for the millions of buildings already analysed by the platform. The shift aims to transition the sector from reactive claims management toward a model of proactive resilience.

The companies involved

Mitigrate is a climate-tech firm specialising in flood-risk vulnerability modelling and prevention. Its platform is designed to help the insurance sector move from reactive claims management to proactive resilience by analysing building-level data to suggest mitigation strategies. The company has already analysed millions of buildings across its operational footprint, providing a foundation for large-scale risk assessment and helping carriers understand the physical vulnerabilities of their portfolios.

Certificall operates in the digital evidence space, offering a solution for capturing trusted, field-validated visual data. Its technology utilises tamper-proof imaging that is timestamped and geo-located, ensuring the integrity of information collected directly from policyholders or field agents. This ISO-certified approach is designed to eliminate fraud in remote inspections and surveys, a common pain point for property insurers. Based in Europe, Certificall recently bolstered its market position through a €1 million seed round intended to strengthen its presence in the European market. The company provides a secure way for insurance carriers to collect reliable information at scale without the need for expensive, manual on-site visits.

What FF News has reported before

FF News has previously tracked the expansion of both companies as they seek to digitise risk management. In November 2026, we covered how Previsico and Mitigrate Partner to Transform Flood Forecasting into Proactive Prevention, a deal aimed at converting early warnings into actionable building-level defences. We also reported on the financial growth of the imaging specialist in October 2025, when Certificall Completes €1 Million Seed Round to Strengthen Its Position in the European Market. This funding was a pivotal step in establishing the firm’s presence as a provider of verified digital evidence for European insurers looking to streamline their field operations and reduce reliance on manual, high-cost property surveys.

What this means from an insurtech perspective

This partnership addresses a critical friction point in climate-risk underwriting: the "last mile" of data verification. While satellite and macro-level flood models have improved, carriers often lack proof that a policyholder has actually installed flood gates or improved drainage. By making this verification digital and tamper-proof, the industry can finally move toward dynamic pricing where deductibles are tied to physical resilience rather than just postcode-level probability. This puts pressure on traditional loss adjusters and manual survey providers to digitise or face obsolescence. For MGAs and reinsurers, this level of field-level granularity is essential for maintaining sustainable loss ratios as climate events increase in frequency.