Sustainability Solutions

The climate crisis has brought practically every home and commercial property into a growing number of companies’ Scope 3 responsibilities. Institutions who finance or underwrite assets now have a responsibility to assess and reduce the impact that these properties have on the environment. They also need to price the future physical and transitional risk associated with their portfolios. Gamma Risk can help.

Gamma Risk Work With Your Sustainability Teams To Assess, Report, Monitor And Affect Change In The Sustainability Of Your Property Assets.

We achieve this through:

Sustainability Data Enrichment

Physical Risk Data

Enrich your mortgage or insurance book data with our property level physical risk and emissions data based on current risk and projected climate change scenarios.

Emissions Rating

Application of our BER rating model and property data to estimate CO2 emissions from residential properties for financial reporting and tracking purposes.

APIs

Provision of APIs and location intelligent applications to assess both physical and transitional risk at application stage.

Climate Change Risk Reporting

Expert Support

Consulting on use of climate flood, emissions and subsidence models.

Time Series Data

Preparation of periodic statistics on physical and transitional risk progression for portfolios through address data and climate risk models

Compliance

Addition of other impact assessment requirements for data enrichment as needs arise under EU taxonomy and regulations.

User-defined Reporting

Support in creation of property level risk assessment dashboards and reporting templates for regulatory reports and internal sustainability tracking.

"Assessing and reporting on climate change risk and monitoring changes over time are essential elements of financial sustainability. With Gamma Risk’s property data and models, we can identify and calculate asset value under threat of physical risk from flooding and subsidence. We can also estimate the GHG emissions from property portfolios using our BER estimate models".

Chief Technology Officer – Peter Finch

Affecting Sustainable Behaviour Change in your Property Assets.

Sustainability Education Tools

The final requirement for an effective sustainability strategy are actions and solutions to promote and affect change. Change in your customers’ behaviour and improvement in your scope three performance.

Our clients seek to achieve this in a number of tangible ways:

Banks offering preferential financial rates for retrofit works and new-builds for greener more sustainable homes.

Insurers offering cheaper premiums for greener homes or for electric vehicles.

Educating customers as to the benefits of sustainable options such as more energy efficient homes and more sustainable motoring.

Declining or introducing adaption measures for mortgages and loans in locations with high risk of future physical climate change impacts such as flooding and subsidence.

Offsetting carbon impacts through investment in carbon sequestration projects etc.

Gamma Have Developed A Suite Of Tools To Support These Measures

BERWOW

Perilfinder™

Risk APIs

BERWOW

BERWOW is a retrofit project design tool for homeowners to calculate the real costs and benefits of home-retrofit options. As a white-labelled and fully customisable tool, BERWOW adds interest and interactivity for a Green Hub. It is a proven enabler of retrofit projects and an excellent educator of complex options.

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Perilfinder™ for Lending

Perilfinder™ for Lending provides details on the physical and transitional risk for any property from flood, subsidence and CO2 emissions at point of sale in sub-second time, supporting sustainable objectives and identifying potential future default risk.

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Risk APIs

Gamma’s Risk APIs offer property level data into your business processes to support your sustainability and climate change risk assessments. We offer Climate Change API bundles which include data on:
- Future flood and subsidence risk levels under different RCP scenarios.
- CO2 emission estimates for residential property from our energy rating model.
- BER labels for residential and commercial property from actual recorded data where it exists and modelled data where absent.

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