Subsitree, available as a discrete data set and through an on-tap location content platform, gives a detailed perspective into residential subsidence risk on an individual property basis using the latest geology and tree data.
In liaison with the Insurance industry and exclusive to emapsite, Subsitree has been purpose-designed to provide a more granular level of risk insight for Insurers, moving away from traditional postcode-based analysis to individual property level, driven by the knowledge that up to 70% of subsidence claims are tree-related. Insurers can benefit from the currency and level of detail in Subsitree data and have greater confidence in the rationale behind risk selection, valuation, pricing and accumulation decisions.

More information
Subsidence involves underlying earth movement as distinct from property settlement which is generally indicative of poor design or construction. As climatic changes grow more and more unpredictable, both locally and globally, issues around underlying ground stability, planning history and historic land use will continue to impact on insurance-related decisions.
Key to the product are IT system-ready property reference tables containing a normalised risk score for every property address enabling insurers to enhance their existing view of high and low risk areas and adjust their underwriting and claims policies accordingly. It also provides insight into areas where insurers have little or no claims data, enabling refinement of underwriting in all areas. Risk analysts, underwriters and actuaries can rate risk at individual property level to make optimal pricing and portfolio decisions.

Technical information
• Subsitree provides coverage for England, Scotland and Wales.
• For ease of use by Insurer systems, the dataset is available as a web service from the emapsite Perils data hub.