CHRP TECHNOLOGIES

Build a better homeowner.

Underwriting & Risk Growth Seed

Overview

CHRP Technologies is an insurtech company providing an AI-enabled home insurance loss prevention platform designed to help carriers strengthen their relationships with policyholders through proactive risk management. Founded in 2020 and headquartered in the Orlando, Florida area, CHRP's mission -- "Build a better homeowner" -- reflects its focus on transforming reactive claims handling into proactive hazard prevention.

The company's platform guides homeowners through a smartphone-based virtual home inspection, then applies proprietary AI and machine learning models to evaluate 200+ interior and exterior inspection points. By surfacing risk indicators before they become claims, CHRP helps carriers improve underwriting accuracy, reduce loss ratios, and enhance customer satisfaction.

As of early 2026, CHRP serves 30+ insurers and has established notable partnerships with Nationwide Insurance and Guidewire Software, positioning it as a growing player in the personal lines loss prevention space.

Products & Services

CHRP AI -- Loss Prevention Platform

An AI-powered platform that automates the analysis of home inspection reports. Homeowners complete a smartphone-based virtual inspection (a "4-point inspection on steroids"), and CHRP's AI models process the results to detect interior and exterior hazards and surface risk indicators for underwriters.

Key Features

Virtual home inspection app requiring no technician visit
Automated analysis of 200+ inspection data points
Customized inspection workflows aligned to carrier underwriting guidelines
AI-powered hazard detection for water, fire, and other common risks
Integration with carrier workflows and core systems

Target Users: Home insurance carriers

Loss Prevention Accelerator for PolicyCenter

A validated accelerator available in the Guidewire Marketplace (since January 2024) enabling insurers using Guidewire PolicyCenter to order CHRP inspections directly from their core system, automatically pre-fill policy data for homeowners, and review and store completed inspection data in PolicyCenter.

Key Features

Direct inspection ordering from PolicyCenter
Automated data pre-fill for homeowners
Inspection data storage in PolicyCenter
Improved loss ratios and underwriting efficiency

Target Users: Guidewire PolicyCenter customers

At a Glance

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

Category & Focus

Category: Underwriting & Risk
Subcategories: Loss prevention AI inspection analysis underwriting automation
Insurance Verticals: P&C Personal
Target Customers: Carriers

Customers

Nationwide Insurance -- AI-powered virtual home inspection program (January 2026)
First Mutual Insurance Company (FMIC) -- expanded commercial agreement for water, fire, and farmhouse underwriting (March 2026)