About the project
What is Haven?
Each year, more and more Australians experience the devastating impact of extreme weather. To help people prepare and protect their homes, Suncorp created Haven – a data tool designed to educate people about their home’s resilience needs. A first for the Australian insurance industry, Haven is the latest in a string of initiatives from Suncorp delivering on our ambition to make homes in Queensland, and now Australia, more resilient.How does it work?
Haven uses a combination of data sources such as property, location, weather and natural hazard risk data to provide resilience tips and information, to help people make their home or property stronger to stand up to some perils in the future.How does Suncorp rate natural hazard risks?
Using a wide variety of data sources, Suncorp models the likelihood and severity of expected claims costs resulting from natural hazards (bushfire, cyclone, flood, storm) impacting Australian homes. These data sources include:
- Historical claims and losses to properties from past weather events;
- Historical and long-term trends in climate and weather data;
- Information about the local environment (e.g. surrounding vegetation, construction of mitigants such as levees); and
- Information about individual properties (e.g. building materials).
The combination of these models enables Suncorp to estimate a home or property’s risk rating for each natural hazard. These ratings, in turn, inform the resilience tips we provide in your video experience and report. You may want to consider actioning these tips to help make your home or property safer and stronger for the future.
What do the ratings mean?
The sourced data has been used by Suncorp to estimate a risk rating (High, Medium or Low) for a home or property in respect of each natural hazard (bushfire, cyclone, flood, storm). It essentially indicates how likely it is we consider, based on data we have used, your home is to be impacted by that peril. The ratings are assessed separately for each peril, which have varying thresholds for a High, Medium or Low rating. To use an example, this means that if we classify a home to be a Medium risk for Flood and a Medium risk for Bushfire, the level of Flood risk may not be the same as the level of Bushfire risk. So, when you’re looking at the ratings for a home or property, take note that it’s referring to the level of risk within the peril.
It’s important to note that even though we may classify a home or property as a Low risk for a given peril, that doesn’t mean it will not be impacted by that peril. Low risk doesn’t mean no risk.
You should also know, these ratings do not take into account all factors, which affect your home’s exposure or vulnerability for each peril, or factors that Suncorp is not aware of or outside Suncorp’s control (e.g. errors in sourced data).
Who provides the data?
Suncorp has utilised some of Australia’s leading data and expert sources to create this tool.
Suncorp Haven utilises Google Maps APls and users are bound by Google's Terms of Service and Privacy Policy.
Cotality's full terms are available here.
Geoscape G-NAF © Geoscape Australia 2024 Copyright Notice and Disclaimer.
Some data on this site is sourced from the Bureau of Meteorology.
While reasonable care has been taken to ensure that the information provided in your video experience and report is accurate and relevant, given the variability and complexity of the data and sources involved, Suncorp, its related bodies corporates, and its third-party data partners are unable to give any guarantees as to the accuracy, reliability, suitability, completeness or currency of this information. There may be errors in the sourced data or factors that Suncorp are not aware of which could impact the relevancy of the resilience tips provided or our assessment of peril risk ratings.
