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Reinsurance Portfolio Management 

Reinsurance Portfolio Management and Auditing Services

How do you know if the property portfolios you quote have coverage that reflects the true exposure in the event of a catastrophe? Studies show that coverage adequacy of cedent books can vary greatly due to market conditions, underwriting practices and many other factors. Accurately assessing risk for both pricing and exposure is vital to your profitability. Based on the speed and capabilities of your own systems, ReAlign can score portfolios of half a million records in as few as five minutes. Reinsurers that can predict the true exposure of cedent books will gain a competitive advantage in today’s market.

ReAlign Insurance-to-Value Benchmarking

Portfolio analysis with MSB’s ReAlign™ Benchmarking and Portfolio Management system is simple, quick and accurate. Within minutes, reinsurers can quickly and reliably score cedent submissions for coverage adequacy down to the 5-digit ZIP code, county or state level. Coverage adequacy is assessed by using cedent supplied data. Based on the speed and capabilities of your own systems, portfolios of half a million records can be scored in as few as five minutes.

The ReAlign tool resides within your internal network, ensuring the highest level of safety and confidentiality. It seamlessly integrates into your regular business workflow and provides an accurate coverage adequacy risk assessment snapshot within minutes.

Reinsurers can validate and assess risk using the insurance industry’s only complete, nation-wide database of more than 50 million U.S. residential component-based property valuation records. Each cedent property that is submitted to the ReAlign system is matched with comparable properties in MSB’s Industry Benchmark database. Powerful property matching algorithms in ReAlign ensure accurate, like-to-like comparisons based upon recorded property characteristics.                                               

Benchmarking via MSB’s Data and Research Methodology

Predictions of true exposure due to ITV adequacy can only be as good as the industry data they are validated against. In this critical area, MSB stands alone. As the leading worldwide provider of structural and contents property cost data, MSB is recognized as the leading provider of essential property information to the U.S. property and casualty insurance sector.

MSB originated “Total-Component” estimating, a component-based structural replacement cost methodology. Total component estimating calculates an estimate like a contractor builds a home: from the bottom up, taking into consideration every material, labor and time component involved. A team of dedicated researchers uses rigorous research methods to constantly update costs of labor, materials, and equipment at a 5-digit ZIP code level. MSB conducts powerful scrubbing and analysis routines to all validated data sources. These sources include total loss claims information, detailed home surveys, inspection reports and independent cost research. These scrubbing and analysis routines are the key features that put MSB’s benchmarking data at a quality level that sets us apart.

ReAlign™ Data Updates

The comprehensive data contained and continually updated in MSB’s databases enables ReAlign to accurately predict the trueexposure of insurable replacement cost contained in a cedent portfolio. The ReAlign™ Benchmark data is updated semiannually, so you’ll always have the most accurate and up-to-date industry information available to analyze portfolio performance for year end or mid-year renewals.