OIB Solutions
SonarFor underwriters

Sonar, everything you need to know about an address before you underwrite

Sonar is the tool for property and specialty risk underwriters. Dangerous building and safety orders, police measures, natural catastrophes, hazards and building data, all in a single search.

Sonar map of addresses under orders around an address
High vigilance level triggered by a dangerous building order in force
The problem

The information exists, but it is scattered

To underwrite a building or a specialty risk, underwriters have to cross-check sources that do not talk to each other.

  • Dangerous building and safety orders are published town by town, often as PDFs
  • Natural catastrophe decrees, hazards and land registry data sit in separate databases
  • A building under an order can be underwritten, or stay in the portfolio, without anyone knowing
Our edge

Dangerous building and safety orders, and police measures

This is the hardest data to get, and the most decisive. We have done the work of covering the whole of France: Sonar collects the orders published by French towns, reads them, structures them and links them to the address concerned. Thanks to that coverage, the data is easy to refresh.

  • Dangerous building (péril), safety and unfit housing orders
  • Police measures: occupancy bans, evacuations, required works
  • Up-to-date status: order in force or lifted
  • Dangerous building orders, safety orders and police measures refreshed easily, across all of France
  • The source PDF of every order, one click away in the tool
Lifecycle of dangerous building orders and police measures at the address
All the data

One address, all the data that matters

Hazard profile of the address
Summary of the town's natural catastrophe recognitions
Timeline of CatNat recognitions since 1982

Natural catastrophe decrees

The town's history of CatNat recognitions: floods, droughts, ground movements.

Natural and technological hazards

Exposure to flooding, clay shrink-swell, earthquakes and industrial sites.

Land registry and plot

Plot, surface area and building footprint to check what was declared.

Building characteristics

Year of construction, height, use and visible features of the building.

Property transactions

Recent sales around the address to gauge the property's value.

Orders and police measures

Dangerous building, safety orders and bans, linked to the exact address.

Two uses

One address or a whole portfolio

Address lookup

On the Sonar portal, underwriters enter an address and get a risk summary in seconds, before accepting or pricing.

  • Clear summary with alerts first
  • Detail by source, with the original PDFs one click away
  • Built for property and specialty risk underwriting
12 rue des Écoles, 13001 Marseille

Risk summary

Safety order in force

Urgent procedure · upper floors closed to occupants

  • 4 CatNat decrees

    Flood, drought

  • Clay shrink-swell

    Medium exposure

  • Built 1890 · 5 storeys

    Plot 201 A 0045

Portfolio scan

Sonar analyses a whole portfolio of addresses to surface what has changed since inception.

  • Claims in a town and period recognised as a natural catastrophe
  • Newly appeared risks, especially safety orders
  • Prioritised list of policies to review

Residential portfolio scan

2,418 addresses analysed

AddressSignal
8 bd National, MarseilleNew safety order
41 rue Garibaldi, LyonClaim during a CatNat period
3 quai de la Fosse, NantesDangerous building order lifted
17 rue Nationale, LilleNo change
Who it's for

A tool built for underwriters

Sonar is for underwriters at insurers, MGAs and brokers covering buildings, residential property or specialty risks, who want to decide on facts rather than declarations.

See what Sonar finds on your addresses.

Try an address on the portal, or book a demo to scan one of your portfolios.