Fuse Launches Real Estate & Habitational Vertical

NEW YORK, N.Y., April 15, 2026 — Fuse, the AI-powered commercial insurance intelligence platform, today announced the launch of its Real Estate & Habitational vertical — the fourth industry hub on the platform, and the one arriving at a moment when the commercial property market is doing something more complex than simply hardening or softening.

The broad market narrative heading into 2026 is softening. Reinsurance capital has surged past $700 billion globally. Property catastrophe reinsurance rates fell at the January 2026 renewal, the steepest year-over-year decline in more than a decade. Capacity is returning. For well-managed, non-CAT commercial property accounts, that narrative is largely accurate: competition is back, and buyers with clean risk profiles are seeing flat to modestly lower renewals.

But that narrative does not describe every account. And for the accounts it does not describe — flood-exposed multifamily, repetitive-loss properties, CAT-adjacent portfolios, accounts where excess liability layers are compressing — the conditions are meaningfully different. Admitted markets are selectively avoiding specific geographies and property types. E&S capacity is filling gaps but at materially different terms. The market has not hardened uniformly. It has split.

The split is legible in federal data that most brokers have never seen assembled in one place. Fuse assembles it — continuously, in a single hub view — and then synthesizes it to make it actionable at the account level before a submission goes out.

THE INTELLIGENCE THE VERTICAL DELIVERS

One day before today’s launch, Fuse published live hub data that illustrated exactly what this intelligence looks like in practice. The numbers are not projections or modeled estimates. They are live records, synthesized by the platform in real time:

3,206  properties federally classified as repetitive loss — accounts the NFIP has paid more than their market value to insure, and that admitted markets are systematically deprioritizing

297  active FEMA disaster declarations, each a current peril event and a forward pricing signal given the documented lag between major declarations and carrier SERFF filing activity

1,573  NFIP flood claims in the database, mapping the actual claims footprint driving carrier posture in coastal, flood-adjacent, and high-CAT habitational submissions

60  active rate filings across commercial property and fire lines of business, monitored continuously for rate changes, appetite restrictions, and carrier withdrawal activity

These signals, read together against a specific account, produce intelligence that no single government database, carrier guideline, or research workflow has ever assembled in real time: which accounts are on the softening side of the market, which are not, and what the data says about each one before any carrier sees the submission.

“The commercial property market in 2026 is not one market. It is two. Most brokers are working from a general market narrative that is accurate in aggregate and much less so at the account level. Fuse makes the structure of the split visible — account by account, signal by signal — before the placement decision is made.”

— Sean Bourgeois, Founder & CEO, Fuse

WHAT THE HABITATIONAL HUB SYNTHESIZES

The Fuse Real Estate & Habitational vertical assembles dozens of categories of real-time intelligence into a unified carrier posture and market signal view, for example:

• FEMA Repetitive Loss Data — 1,573 NFIP flood claims and 3,206 repetitive loss property records mapped against active submissions and portfolio accounts, identifying the specific flood-exposed risks that admitted markets are quietly avoiding
• FEMA Disaster Declarations — 297 active declarations tracked in real time, surfaced as both current peril events and forward pricing signals, given the documented relationship between major declarations and subsequent carrier SERFF filing activity
• Filing Intelligence — 60 active rate filings across commercial property and fire lines of business, continuously monitored for rate changes, appetite restrictions, and withdrawal activity across all states
• Replacement Cost Signals — BLS Construction Cost Index, Steel PPI, CPI Shelter, and lumber pricing assembled into a replacement cost drift indicator, flagging accounts where stated TIV is likely underinsured relative to current rebuild cost regardless of where the broader market is pricing
• Economic Indicators — Nine FRED data series relevant to commercial property underwriting, including materials cost indices embedded in every replacement cost calculation written 18 months ago
• Admitted vs. E&S Market Posture — carrier appetite signals showing which markets are open, selective, or restricted for multifamily, commercial property, builder’s risk, and flood-exposed accounts — by geography and property type, not by line alone

HOW BROKERS AND CARRIERS USE IT

For commercial property brokers, the practical value is knowing before submission which side of the market each account sits on. A multifamily portfolio renewing in 60 days may contain accounts that benefit from today’s returning capacity and accounts that do not — and the difference between them is not always visible from the submission alone. The repetitive loss classification, the county’s FEMA declaration history, the replacement cost drift since the policy was written, and the current admitted versus E&S posture for that geography are all signals that change the placement strategy. Fuse surfaces them before the submission goes out, not after the first declination arrives.

For carriers, the vertical provides the account-level intelligence that market-wide rate narratives cannot. Knowing where your filed rate sits relative to current replacement cost benchmarks, where FEMA declaration activity is concentrated against your in-force book, and where your appetite is strong but submission flow is thin gives underwriting teams the context that supports both rate adequacy decisions and growth targeting — without touching their underwriting systems.

Neither audience requires system integration. The Habitational Hub is accessible from the Fuse platform at fuserisk.com, with no connection to underwriting systems, policy administration platforms, or agency management systems required.

PLATFORM MOMENTUM

The Real Estate & Habitational vertical completes Fuse’s initial three-hub deployment. Agriculture, Contractors & Construction, and now Habitational are all live — three verticals covering the primary commercial insurance segments the platform was designed to serve, all launched within a single quarter.

All hubs share the same underlying intelligence architecture: continuous signal synthesis across regulatory filings, federal loss and catastrophe data, commodity and cost indices, and carrier appetite signals, with vertical-specific signal sets assembled around the market conditions and broker decision points that define each segment.

“Every vertical we have launched this quarter was built on the same conviction: that commercial insurance brokers are making placement decisions without seeing the full structure of the market — not because the data doesn’t exist, but because no system has assembled it continuously and made it visible at the account level. In a market that is softening in aggregate and selective in practice, that distinction is exactly where intelligence matters most.”

— Sean Bourgeois, Founder & CEO, Fuse

AVAILABILITY AND ACCESS

The Fuse Real Estate & Habitational vertical is available today at fuserisk.com. The platform operates on a three-tier model:

• Free — 14 day trial with full access
• Professional — $299 per seat per month, full vertical hub access
• Enterprise — custom pricing, includes Prism programmable intelligence agents and full organizational deployment

Individual broker registration is available at fuserisk.com. Enterprise and carrier inquiries may be made on fuserisk.com as well.

ABOUT FUSE

Fuse is an AI-powered commercial insurance intelligence platform serving brokers and carriers across industry verticals. The platform continuously synthesizes regulatory filing data, federal loss and catastrophe data, commodity markets, cost indices, and carrier appetite signals into actionable intelligence — surfaced at the moment brokers are placing risk and carriers are evaluating submissions.

Fuse is built on the conviction that commercial insurance has an intelligence problem, not a software problem — and that the data needed to solve it has always existed, but has never been assembled continuously and made visible to the people who need it most.

Fuse International is headquartered in New York, New York. The platform is live at fuserisk.com.

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Media contact: [email protected]   |   fuserisk.com