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Tenax. Latin for "Hold Fast."
Protecting Property And Its Insurability From Extreme Weather
Computer vision-powered risk intelligence for carriers, MGAs, and the communities they protect.
The underwriting verification layer that turns ground-truth property data into precise risk selection, mitigation compliance, and confident coverage decisions.
homeowner policies cancelled in 5 years
U.S. JEC, Dec 2024
weather-related insurance losses in 2024
2M+
of home policies now in E&S market
Gallagher Re, 2024
$137B
U.S. JEC, Dec 2024 (CA, FL & TX)
more efficient than traditional assessments
17%
Based on carrier feedback
80%
MARKET MOMENT
The insurance industry is undergoing a structural reset.
Carriers are exiting markets they can no longer price with confidence. Nearly two million homeowner policies were cancelled in the last five years. Homeowners in wildfire, hurricane, and flood-exposed regions are losing coverage they cannot replace.
In California, Florida, and Texas, the Excess and Surplus market now covers 17% of home insurance policies — up from less than 2% just two years ago.
The tools built for yesterday's risk environment are not adequate for what comes next. The carriers that win this decade will be the ones with verified, property-level intelligence. Tenax ai provides that intelligence.
Risk feels abstract. Guidance is generic. Action stalls.
Homeowners across the country face growing wildfire, flood, and storm exposure — but generic risk scores and static guidance don't translate into understanding or meaningful action. Even motivated homeowners don't know what actually matters for their specific property, or where to start.
At the same time, carriers and MGAs need scalable, verifiable ways to understand property-level risk. Without verified, property-specific data, underwriting in high-risk markets requires more assumptions than evidence.
The Gap Between What Carriers Know
and What They Need to Know
THE CHALLENGE
Actionable, property-specific intelligence. Verified at the source.
Tenax ai delivers last-mile, computer vision-based property assessments that turn ground-truth imagery into verifiable, property-level risk insights — designed to educate homeowners and drive mitigation behavior, while giving carriers and MGAs the defensible data they need to act.
Every assessment is built from imagery captured at the property — geo-tagged, time-stamped, and processed by our computer vision models. Not regional averages. Not modeled assumptions. Ground truth.
What We Do
Built for scale. Designed for underwriting reality.
Our platform turns real-world property conditions into verified, defensible wildfire risk intelligence — capturing ground-truth data at the source, analyzing it with computer vision, and delivering clear, property-level insights insurers can trust. Every assessment is traceable, auditable, and built to support confident underwriting, mitigation decisions, and regulatory scrutiny across portfolios of any size.
CAPTURE
ANALYZE
RECOMMEND
VERIFY
BACKED BY
"Tenax AI gave us a completely new lens on our wildfire exposure. The granularity of property-level insights is unlike anything else we've seen in the market."
Michael R.
Chief Underwriting Officer, Regional MGA
"I finally understand what risks my home faces and what I can actually do about it. The recommendations were specific, practical, and helped me stay insurable."
Sarah L.
Homeowner, Northern California
"Assessments that used to take half a day now take under an hour. The standardized data capture and instant reporting has transformed how we work with clients."
David K.
Licensed Property Inspector, Colorado