Matter Intelligence has unveiled a space-based property intelligence solution for insurers that combines spectral sensing with AI to examine the physical condition of residential roofs at scale. The company announced the launch in London on 29 September 2026, following a successful proof of concept with a top five US P&C insurer.
The solution is available now for proof of concept, with go live with insurers planned for Q1 2027. According to the company, the technology helps insurers predict emerging risk and make better-informed decisions across underwriting, portfolio management, and claims.
Property insurers typically rely on information such as satellite imagery, property age, and self-reported data to assess a property. Matter Intelligence adds another layer by detecting signs of deterioration that conventional imagery can miss, giving insurers a more granular view of risk before it becomes a claim.
“The problem isn’t that insurers lack data. It’s that much of that data tells them about a property rather than showing them its actual physical condition,” said Vishnu Sridhar, Co-founder and CEO of Matter Intelligence. “We’re giving insurers a way to bring the condition of the asset itself into their risk decisions.”
In underwriting, the technology assesses roof condition at the point of quote, reducing reliance on physical inspections and referrals. In portfolio management, it identifies concentrations of deterioration across a portfolio and monitors changes in property condition over time. In claims, it compares pre- and post-event condition to help distinguish new damage from pre-existing deterioration, supporting claims triage and fraud investigation.
“We’re not trying to replace the models insurers already use,” said Sridhar. “We’re giving them a better view of the physical world those models are trying to predict. If you can see deterioration earlier and measure property condition consistently at scale, you can prepare sooner and make better-informed decisions from underwriting to claims.”
The company said potential applications extend beyond roofing, as its technology can also complement existing flood and wildfire models by adding information about the physical characteristics and condition of insured properties.
Matter Intelligence was founded by scientists who previously developed advanced sensor technology for NASA/JPL and US defence programmes. It has adapted spectral sensing, which captures information beyond what the human eye and conventional cameras can see, to the property insurance market.
