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Key suppliers:

Date suppliers: SanGIS, Home Inspectors, Local governments, field data collections team

Technology providers: ESRI – ARCGIS software, OpenAI GPT, Google Cloud Vision AI

Marketing partners: Collaborate with HOAs, insurance brokers, real estate agents.
Logistics partners: Server hosts (Microsoft Azure, AWS, Google)

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Key Activities

Value Proposition

Develop risk analysis model

Develop forward facing website

Develop backend user interface website

Hire web designer

Pitch product to HOA’s

Distribution Channel

Website

Payment processing

Customer Relationships

Physical newsletters

Email newsletters

Social Media

Website

Convention

Revenue Stream

Hire Sales manager to build sales team

Billing software

Hire CPA to manage financials

Build free trial period

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For HOAs: A direct private client relationship would be needed.

For Real Estate Agents: An online facing chat or email relationship would be sufficient. Availability via phone would also be available.

For Insurance companies: There would be an account manager.

For Government: There would be an account manager that interfaces with the program managers.

For individual homeowners: A FAQ and chatbot/email service would be available.

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Physical Resources: Servers, computer mapping software (ArcGIS), computers, AI model subscription, office building, drones with lidar and multi-spectral imaging capabilities.

Intellectual Resources: Building feature data, local mitigation factor data, up to date and granular satellite imagery data, weather data, infrared satellite data, lidar data (slope and 3d modeling).

Human Resources: Software Engineers (website), Field data collection agents, GIS specialist (mapping specialist), Accountant, Business Lawyer, CEO/COO/CTO, Sales person, liaison to insurance company, liaison to municipalities, liaison to Real estate Agents, Liaison to HOAs.

Financial Recourse: Start up capital, on going salary and subscription costs.

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For HOA's: Channels would be advertised to local HOA board meeting and online groups, Next door, and traditional mailing.

For Insurance Companies: Channels would be through Sales and email solicitation and Linkedin messages. Local conventions.

For Land Developers: Channels would be through email and phone solicitation. Local conventions.

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• Fixed Costs: Rent, utilities, salaries for staff, GIS software,

• Variable Costs: Server, AI token, Web Host, Crowdsource payoff, Key partner cost split

• Key Cost Drivers: Marketing, Government regulations

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Kenneth Kim

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October 2024

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Program Managers: Revenue streams would include access to natural disaster risk model for their jurisdiction. This would be a subscription model.

Real Estate Agents: Include natural disaster risk model and scores for individual houses. This would either be a subscription model or a pay per view model.

Insurance Companies: Include a natural disaster risk model and score for residential and commercial properties. This would be a subscription model.

HOA/Homeowners (HO): Like real estate agents, this includes a natural disaster risk model and scores for individual houses. This would either be a subscription model or a pay per view model.

Additional revenue streams for HOA/Home Owners would be working with underwriters for insurance companies and lowering premiums if the HOA/HO is actively maintaining mitigation.

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Program Managers: City and government employees with an interest in assessing wildfire and natural disaster risk.

Real Estate agents: Agents will use this service to assess risk for their clients.

Insurance companies: Can use this information to base their premiums and decision to insure clients.

Homeowners and HOAs: Can use this information to better prepare for any natural disasters.

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Kenneth Kim

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1. What problems are you solving for your customers? - Identify the specific issues or pain points your product or service addresses. This should align with the needs and problems you've identified in the Customer Segments section.

I will provide you with an accurate wildfire risk model that will take into consideration weather, topography, building construction, and mitigation efforts to provide a more accurate risk assessment on a property. Currently insurance companies are losing market share in the wildland urban interface. Homeowners are also without insurance. By providing an accurate risk assessment, this will give insurance companies the confidence to continue to provide insurance and retain business with homeowners whose structures are in the wildland urban interface but are at a low risk due to mitigation efforts not captured on current risk models.

2. What needs are you satisfying? - Consider the desires or requirements of your customers that your product or service fulfills.

I am satisfying the need for insurance companies to have an accurate risk model and for homeowners to have an accurate risk assessment score.

3. What unique value do you deliver? - Determine what makes your offering stand out. Is it better quality, more convenient, lower cost, or something else? Your value proposition should clearly articulate why your product or service is the best option for your target customers.

My risk model will differ from others by using data points that are not typically captured in risk models. Standard assessment points such as topography, weather, vegetation health, slope will all be included; however, my model will also include building construction, any mitigation and abatement efforts from the HOA, homeowners, and local governments, and homeowners wildfire prevention knowledge.

4. What bundles of products or services are you offering? - Think about whether you are providing a single product or a bundle that creates added value. For example, a tech company might offer a device along with software and customer support.

I will offer the wildfire mitigation risk model as well as customer service agents that will be liaison officers with insurance companies to solicitate business.

5. What is the primary benefit to the customer? - Define the most important benefit your customers receive from your product or service. This could be saving time, reducing costs, improving their lifestyle, etc.

The primary benefit to the customer is an accurate risk model. For insurance companies this means a better ability to choose their business for homeowners, this means retaining their insurance if there are wildfire mitigation efforts that traditional models cannot capture.

6. How do you differentiate from competitors? - Consider what makes your business different and better than the competition. This could involve innovation, better customer service, a unique brand identity, etc.

I will differ from the competition by offering a superior product in terms of assessing true risk taking into account mitigation efforts and building construction.

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My business is a web app risk assessment software that assess wildfire and other natural disaster risks.