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Ce qui s’est passé, vérifié, pour régler vite les sinistres.

Après une inondation ou une tempête, les assureurs doivent savoir ce qui s’est passé sur chaque bien avant que les experts puissent tous les visiter. Des capteurs de hauteur d’eau sur les sites assurés, des relevés par drone et la météo locale fournissent un registre vérifié de l’événement, pour que les sinistres soient priorisés, réglés plus vite et traités équitablement.

Industrie

Assurance et finance

Mesures

4

Sources citées

4

En un coup d’œil

Scope the portfolio

The scope reads the insured areas, flood and storm exposure, claims history and adjusting process. Nexus Observatory Inc. returns the sensor and drone plan, event footprint design, claims integration and a price per area and per year. Every assumption in the scope is written down and priced.

Le problème

Thousands of claims at once

After a flood or storm, thousands of claims arrive at once, adjusters cannot reach flooded areas for days, and disputes over depth and duration slow settlement. Insurers must handle claims promptly and fairly, and policyholders need money to recover. Measurement turns that risk into decisions made in time.

Points clés

Instrumente

Flood depth sensors · Weather stations · Drone surveys

Liaisons

LoRaWAN · Satellite · Réseau mobile public

Référentiels

Insurance Core Principles · WMO-No. 168 · WMO-No. 8 · ISO/IEC 27001

Composants

• Nœud passerelle de périphérie sur poteau
• Quadricoptère de renseignement et de surveillance avec station d’accueil
• Capteur ultrasonique de hauteur d’inondation sur un lampadaire
• Station météorologique automatique (SMA) implantée selon les pratiques de l’OMM
• Passerelle LoRaWAN, terminal et sonde de sol
• « Pylône IA clé en main »
• Horloge maîtresse PTP avec antenne GNSS
• Module de sécurité matériel, 1U, dans une baie de périphérie

Interfaces

Instrumente

SDI-12 · RS-485 / Modbus RTU · 4–20 mA

Radio

Ethernet · LTE-M / NB-IoT · LoRaWAN

Heure et position

GNSS 1PPS

Sécurité

TPM 2.0

Publication

MQTT

Où l’utiliser

• Depth, weather and imagery
• Working in the flood
• For claims teams and policyholders

Dans le récit ci-dessous

1. Le système, pièce par pièce
2. Assemblage
3. Installation
4. Déploiement
5. Connexions
6. Exploitation
7. Panne et rétablissement
8. Échelle et fédération
9. Ce que vous obtenez

Scenes · 17

Étapes suivantes

1. Assurance et finance · Vérification des événements et des sinistres

   Thousands of claims at once

   After a flood or storm, thousands of claims arrive at once, adjusters cannot reach flooded areas for days, and disputes over depth and duration slow settlement. Insurers must handle claims promptly and fairly, and policyholders need money to recover. Measurement turns that risk into decisions made in time.

2. De la commande à l’exploitation · Commande

   Scope the portfolio

   The scope reads the insured areas, flood and storm exposure, claims history and adjusting process. Nexus Observatory Inc. returns the sensor and drone plan, event footprint design, claims integration and a price per area and per year. Every assumption in the scope is written down and priced.

   Planifier un déploiement

3. Ce qui est mesuré

   Depth, weather and imagery

   Flood depth sensors at insured properties and streets record depth and duration, weather stations record local wind and rain, and drone surveys after the event capture imagery where adjusters cannot yet go. Each reading carries its time and its quality flags.

   Instrumente

   Flood depth sensors · Weather stations · Drone surveys

4. Le nœud de base

   The event footprint

   The node records depth and duration at every sensor, builds the event footprint, links it to insured properties and prioritises claims for adjusters. Every record is signed, so insurer and policyholder see the same evidence. Nothing is lost when a link drops; the node keeps it.

5. De la commande à l’exploitation · Fabrication

   Build and test

   Depth sensors are calibrated, radios paired, gateways, nodes and the drone kit configured and enrolled with their identities, and the event footprint tested with past events. Test results travel with the kit to the site. Nothing ships until the whole kit has passed its tests together.

   Ouvrir le configurateur de stations

6. Radio et liaisons

   Working in the flood

   Depth sensors reach gateways over a low-power link that keeps working in floods, a satellite path carries data when terrestrial networks fail, and the node and drone uploads use cellular where it works. Each link is chosen for the place, not from a catalogue.

   Liaisons

   LoRaWAN · Satellite · Réseau mobile public

7. De la commande à l’exploitation · Mise en service

   Commission with a past event

   Chaque nœud prouve son identité. Depth readings are checked against manual measures, and the footprint and claims prioritisation are tested by replaying a past event. Results are signed and kept with the site record ; acceptance is recorded with the owner before handover.

8. Comment ça marche

   From a flood to a settled claim

   A river floods a town overnight. Sensors record depth and duration street by street; by morning the footprint is linked to every insured home. Clear cases are settled from the verified record within days, and adjusters go first to the most damaged homes.

9. De la commande à l’exploitation · Autorisations

   Consents and flights

   Property owners and cities approve sensors, drone flights follow aviation and privacy rules, and data sharing with policyholders is agreed. Every consent is kept with the area record; approvals are tracked site by site, so nothing waits unseen. No crew goes to site before its approvals are in place.

10. Preuves

    Prompt and fair

    Verification supports prompt and fair claims handling under the insurance core principles, depths follow hydrological practice and weather the WMO guide, and records are protected to the information security standard. Every reading and claim record is kept. Records are open to the people who must check them.

    Référentiels

    Insurance Core Principles · WMO-No. 168 · WMO-No. 8 · ISO/IEC 27001

11. Produits de données

    For claims teams and policyholders

    Claims and catastrophe teams receive event footprints; loss adjusters receive depth and duration by property; policyholders receive verified event records; adjusters and engineers receive drone imagery, each tied to property and time. Each product carries its site, time and quality flags.

    Voir les produits de données

12. De la commande à l’exploitation · Exploitation

    Verify and settle

    During and after events, claims teams see depth and duration by property, prioritise visits, settle clear cases from the verified record and send adjusters where judgement is needed. Reports for owners and funders come from the same record. Every alert and action is kept on the record.

13. De la commande à l’exploitation · Relevé

    Survey insured areas

    Crews survey streets and properties for depth sensor positions, weather station sites, gateway coverage and drone flight areas. Findings are mapped; every finding is kept with the site record for the crews who follow. Findings shape the kit for each site before anything is built.

14. De la commande à l’exploitation · Installation

    Install across the area

    Crews install depth sensors at properties and streets, weather stations and gateways, and set up the node. Every sensor is surveyed to ground level and photographed; the site record is updated before the crew leaves. Crews follow the site safety plan throughout the work.

15. De la commande à l’exploitation · Maintenance

    Check before each season

    Sensors are checked and batteries replaced before each flood season, depth references resurveyed, software updated in rings, and every event record kept for review. Spares and procedures travel with the crews. Maintenance history stays with each site for its whole life.

    Réserver des services sur le terrain

16. Ce que vous obtenez

    Flux de mesures indépendants pour les déclencheurs paramétriques

    Des flux de mesures étalonnés et inviolables qu’un porteur de risque peut désigner comme source d’indice. Le groupe ne souscrit aucune assurance et ne prend aucune décision de paiement. Pour ce domaine (vérification des événements et des sinistres), l’offre s’adresse à insurers, reinsurers, brokers and risk pools, sous forme de a data licence, dimensionnée aux sites qu’ils exploitent.

    Parler aux ventes

17. Étape suivante

    Planifier avec nous : vérification des événements et des sinistres

    Indiquez-nous le site, les mesures et les règles auxquelles répond le domaine (vérification des événements et des sinistres), avec une carte si vous en avez une. Une ingénieure ou un ingénieur répond avec une proposition de relevé, une conception et une portée (vérification des événements et des sinistres), et le plan grandit d’un site jusqu’au réseau dont vous avez besoin.

    Planifier un déploiementOuvrir le configurateur de stationsOuvrir l’Atelier de déploiement terrain

Autres présentations

Voyez-le sous tous les angles.

Chacune s’ouvre en présentation plein écran : des pages plus approfondies sur le même sujet, des explications, des récits, des visites guidées des lieux, des scènes de réseau et les observatoires qui nous ont précédés.

En profondeur

Explications

Récits

Lieux et réseaux

Observatoires historiques

Outils interactifs

01Le lieu et ses dangers

Où il fonctionne, et ce qui peut mal tourner.

Operating context Insurers must handle claims promptly and fairly under the core principles of insurance supervision. Flood depths are measured to hydrological practice and weather to the WMO guide; drone surveys provide imagery where adjusters cannot yet go.

Dangers

• Thousands of claims arriving at once after an event
• Adjusters unable to reach flooded areas
• Disputes over flood depth and duration
• Fraud and inflated claims
• Policyholders waiting months for settlement

02Ce qu’il faut mesurer

Quoi, où, à quelle fréquence, et selon quelles règles.

Chaque mesure indique où elle est prise, à quelle fréquence, et la norme ou la réglementation publique qui la fonde. Les numéros de la colonne des sources ouvrent la source citée plus bas.

03La pile d’observation

D’un module de base à un réseau.

Les mêmes briques à chaque échelle : des instruments et un nœud de base, un site avec sa radio, une flotte exploitée comme un tout, et un réseau fédéré sur le protocole ouvert.

1. 01

   Unité de base

   A sensor: a flood depth sensor at a property on a low-power radio.

   Build a station →
2. 02

   Site

   An area: sensors, a weather station, a gateway, a node and a drone kit.

   Plan a site →
3. 03

   Parc

   Insured areas across a portfolio on one event view.

   Managed offers →
4. 04

   Réseau

   Insurers, adjusters and policyholders share verified event records through open standards.

   The open protocol →

• 01Limnimètre
• 02Station météo compacte
• 03Drone (UAS)
• 04Terminal LPWAN
• 05Passerelle LoRaWAN
• 06Nœud de périphérie (Wedge)
• 07Modem/routeur cellulaire
• 08Terminal plat LEO
• 09Champ solaire

Radio et liaisons

LoRaWAN

Depth sensors across streets reach gateways over a low-power link that keeps working in floods.

Radio et liaisons

Satellite

A satellite path carries data when terrestrial networks fail.

Radio et liaisons

Réseau mobile public

The node and drone uploads use cellular where it works.

Edge compute The node records depth and duration at every sensor, builds the event footprint, links it to insured properties and prioritises claims for adjusters, with every record signed.

Power Sensors run on batteries; gateways and nodes on solar with batteries that outlast power cuts.

04Comment ça marche

De l’instrument au produit.

Le parcours d’une observation, niveau par niveau, avec l’interface de chaque liaison et une nomenclature en dessous ; puis comment ce nœud devient un site, une flotte et des réseaux fédérés.

05De la commande à l’exploitation

Chaque étape, du premier appel à un site en service.

La même équipe et le même dossier portent le travail, du cadrage à la maintenance.

1. 01 Order

   Scope the portfolio

   The scope reads the insured areas, flood and storm exposure, claims history and adjusting process. Nexus Observatory Inc. returns the sensor and drone plan, event footprint design, claims integration and a price per area and per year. Every assumption in the scope is written down and priced. 2

2. 02 Survey

   Survey insured areas

   Crews survey streets and properties for depth sensor positions, weather station sites, gateway coverage and drone flight areas. Findings are mapped; every finding is kept with the site record for the crews who follow. Findings shape the kit for each site before anything is built. 1

3. 03 Permits

   Consents and flights

   Property owners and cities approve sensors, drone flights follow aviation and privacy rules, and data sharing with policyholders is agreed. Every consent is kept with the area record; approvals are tracked site by site, so nothing waits unseen. No crew goes to site before its approvals are in place.

4. 04 Build

   Build and test

   Depth sensors are calibrated, radios paired, gateways, nodes and the drone kit configured and enrolled with their identities, and the event footprint tested with past events. Test results travel with the kit to the site. Nothing ships until the whole kit has passed its tests together.

5. 05 Install

   Install across the area

   Crews install depth sensors at properties and streets, weather stations and gateways, and set up the node. Every sensor is surveyed to ground level and photographed; the site record is updated before the crew leaves. Crews follow the site safety plan throughout the work.

6. 06 Commission

   Commission with a past event

   Chaque nœud prouve son identité. Depth readings are checked against manual measures, and the footprint and claims prioritisation are tested by replaying a past event. Results are signed and kept with the site record ; acceptance is recorded with the owner before handover. 1

7. 07 Operate

   Verify and settle

   During and after events, claims teams see depth and duration by property, prioritise visits, settle clear cases from the verified record and send adjusters where judgement is needed. Reports for owners and funders come from the same record. Every alert and action is kept on the record. 2

8. 08 Maintain

   Check before each season

   Sensors are checked and batteries replaced before each flood season, depth references resurveyed, software updated in rings, and every event record kept for review. Spares and procedures travel with the crews. Maintenance history stays with each site for its whole life.

06Produits de données et intégration

Ce qu’il fournit, à qui, et dans quels systèmes.

Produits de données

• Event footprintsClaims and catastrophe teams
• Depth and duration by propertyLoss adjusters
• Verified event recordsPolicyholders
• Drone imageryAdjusters and engineers

Intégration

• Claims systemsVerified records attach to claims.
• Catastrophe modelsFootprints calibrate event models.
• Policyholder channelsPolicyholders see verified records for their property.

Exchanged through OGC SensorThings API, GeoJSON, ACORD.

07Questions des acheteurs

Avant de cadrer votre projet.

Can claims settle without a visit?

Clear cases can, from the verified record, where policies allow.

Does it help against fraud?

Measured depth and duration make claims verifiable.

What if networks fail?

Low-power radio and satellite keep data flowing.

Can policyholders see their data?

Yes, for their own property.

08Ressources

Les sources de cette page.

Normes, réglementations et lignes directrices publiques, citées là où elles s’appliquent. Chacune ne s’applique que dans sa juridiction ou son champ.

1. 1WMO-No. 168: Guide to Hydrological PracticesWorld Meteorological Organization
2. 2Insurance Core PrinciplesInternational Association of Insurance Supervisors
3. 3WMO-No. 8: Guide to Instruments and Methods of ObservationWorld Meteorological Organization
4. 4ISO/IEC 27001: Information security management systemsInternational Organization for Standardization

09Voir aussi

Cas d’usage et solutions.

10Assurance et finance : domaines spécialisés

Les autres domaines de cette industrie.

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