Chrp Technologies

AI-powered home inspection platform that helps P&C carriers reduce losses before claims occur.

Underwriting & Risk Startup Seed

Overview

Chrp Technologies is an AI-driven home risk inspection platform for P&C home insurance carriers. Founded in 2020 and headquartered in Orlando, Florida, the company helps insurers identify residential hazards before they result in claims, targeting a reduction in loss ratios of up to 8%.

The platform delivers a mobile-first, web-based self-assessment tool that guides homeowners through a virtual inspection covering 400+ known failure points across interior and exterior areas. Inspection reports are generated in under 60 seconds and can be triggered by underwriting workflows via direct API integration. The platform is configurable to carrier-specific underwriting guidelines and connects with Guidewire PolicyCenter through a validated marketplace accelerator.

Chrp raised a USD 2.31M seed round in August 2022 and has built a customer base that includes Nationwide, First Mutual Insurance Company, Farmers Fire, and several regional carriers. In 2026, the company announced expanded agreements with Nationwide and First Mutual, with the latter extending its program to farmhouse renewals.

Products & Services

Healthy Homes(R) Assessment

A mobile-first, browser-based self-inspection tool that homeowners complete in under 30 minutes. No app installation is required. The assessment covers both interior and exterior areas against 400+ known residential failure points.

Key Features

Web-based, no app download required
Interior and exterior coverage
AI-generated hazard report with 99.9% stated accuracy
Carrier-branded and configurable

Target Users: Homeowners (initiated by carrier underwriting or renewal workflows)

Chrp(R) AI

A suite of proprietary AI and machine learning models trained on insurance and construction expertise to automate hazard analysis and produce underwriting insights.

Key Features

Analyzes 400+ residential failure points
Generates assessment reports in under 60 seconds
Configurable to carrier-specific underwriting guidelines
Library of 200+ use case scenarios

Target Users: P&C underwriting and operations teams

Loss Prevention Platform

An integrated inspection and workflow platform serving underwriting, operations, and claims teams. Enables direct API integration into carrier policy and claims systems.

Key Features

Rule-based policy workflow automation
Customizable inspection reporting
API integration with carrier systems
Guidewire PolicyCenter integration via marketplace accelerator

Target Users: P&C carrier underwriting, operations, and claims teams

At a Glance

Founded: 2020
Headquarters: Orlando, Florida
Employees: 11-50
Funding: Seed

Category & Focus

Category: Underwriting & Risk
Subcategories: Risk Scoring Home Inspection Loss Prevention Underwriting Automation
Insurance Verticals: P&C Personal
Target Customers: Carriers