Safety and liveability are important focal points in the coalition agreement and the vision documents of housing associations. However, providing sufficient, safe and future-proof housing for tenants is becoming increasingly challenging due to sustainability initiatives, an ageing population, people living independently for longer, lagging legislation, and major social tasks. Under this pressure, it is sometimes difficult to assess risks adequately and proactively.

In addition, structural choices from the past can lead to impactful damage or casualties. A fire in a combustible construction can have huge consequences for both the housing association and tenants, who are left without a home in an overcrowded market. These are scenarios everyone wants to prevent, but the question is: how?

Insight into risk management

Spotr and Barbon combine their expertise to help housing associations limit and anticipate risks. Using an algorithm developed by them and insurers, risks are mapped and classified into five risk categories, from low to high. This forms the basis for proactive risk management and can also serve as external validation for housing associations that already perform strongly in the area of safety.

How does it work?

With Spotr's technology and Barbon's risk expertise, housing associations can carry out a complete risk analysis of their real estate, using more than 100 data points. Physical inspections are not necessary at this stage. The housing association provides an Excel file with the addresses and complex numbers; the Spotr-Barbon application does the rest. Within a week, a report follows, which is personally explained.

What does it deliver?

With this approach, housing associations are able to quickly and effectively determine which buildings are high-risk and which measures are needed to guarantee the (fire) safety of the complex and thereby that of the tenants.

Upon request, Barbon can share these insights with insurers, allowing insurable risks to be assessed more accurately than ever. As a result, housing associations receive an insurance solution that aligns optimally with the actual risks within the insured portfolio.

Premium differentiation and comprehensive risk file

With the insights from the application, premium differentiation per object is possible, based on the risk level. In addition, this approach meets insurers' needs for obtaining a more complete risk file, such as when making real estate more sustainable, adding storeys to existing complexes, and developing new housing concepts.

Immediate result

The approach of Spotr and Barbon has already proven itself at a medium-sized housing association in the centre of the country. Within one week, this association received a comprehensive risk assessment of its buildings free of charge. These insights are then used to investigate the fire safety of certain complexes and to draw up a prevention plan. At the same time, Barbon is working together with insurers, based on these insights, to develop the most optimal insurance solution for this housing association, fitting the risk profile of the portfolio.

Insight into risks within one week – free of charge until 1 November
To support the mission for safer housing ownership, Spotr and Barbon are offering all housing associations a free risk scan. This promotion runs until 1 November 2024. Do not miss this unique opportunity!