Clients arrive with renewal shock.
The pack gives them photos, questions, and evidence to discuss without pretending to change underwriting.
Wide-net opportunity
Home Resilience Concierge
Turn premium shock and climate-risk worry into a practical action pack.
When premiums rise or risk questions get serious, homeowners need more than generic tips. Heyaro turns photos, policy pain, property notes, and upgrade questions into a clear evidence pack for broker, insurer, council, lender, grant, and trade conversations.
Why this can spread
The buyer may be the homeowner, but the channel is partners.
The strongest path is through people who already hear the pain: brokers, resilience trades, councils, and property advisers.
Better quote briefs.
Roofing, drainage, gutter, waterproofing, and bushfire-prep providers get clearer context before quoting.
Advice becomes action.
Local resilience information can turn into household checklists, quote categories, and evidence folders.
Pilot product
Resilience Evidence Pack
A$149/reportManual first version for validation. The pack helps homeowners prepare better conversations with insurers, brokers, councils, lenders, and trades.
Request sample packWhy now
The homeowner journey is fragmented.
- Insurance premiums and risk questions are becoming harder to ignore.
- Risk reports and insurer tools often stop at advice, not execution.
- Trades quote individual upgrades, but the homeowner needs a joined-up plan.
- Evidence for brokers, insurers, grants, lenders, or resale is scattered across emails and photos.
Use cases
Start with paperwork, not promises.
Heyaro does not rate engineering risk or guarantee insurance savings. It organises the evidence and next questions so the right experts can act faster.
Flood drainage and water entry notes
Bushfire preparation evidence
Storm, roof, gutter, and tree exposure
Cyclone or coastal upgrade questions
Input
What the homeowner shares.
- Suburb or risk area, not a public address on the first call.
- Insurance renewal pain, decline, excess concern, or coverage questions.
- Property photos: roof, gutters, trees, drainage, vents, doors, subfloor, yard fall, retaining walls.
- Existing reports, quotes, council notes, or repair history.
Output
What Heyaro returns.
- Plain-English resilience action summary.
- Missing-photo and missing-document checklist.
- Tradie quote brief by category.
- Broker/insurer question list.
- Evidence register for completed upgrades.
Best first scenarios
Where the pack should be tested.
- Homeowner receives a sharp renewal increase and does not know what evidence matters.
- Buyer is considering a home in a flood, bushfire, coastal, storm, or cyclone-risk area.
- Broker wants a clearer client fact pack before discussing options.
- Trade wants better photos and context before quoting resilience-related work.
Not for
Where it should not be sold.
- Urgent active claims where the insurer or emergency trades must lead.
- Homes needing engineering assessment before any advice is useful.
- Customers expecting a guaranteed premium reduction.
- Legal disputes, coverage disputes, or formal valuation decisions.
Distribution
Who can sell or refer this.
- Insurance brokers helping clients prepare better renewal conversations.
- Mortgage brokers dealing with buyers in higher-risk suburbs.
- Roofing, drainage, gutter, waterproofing, and bushfire-preparation trades.
- Councils or community programs trying to turn resilience advice into action.
Validation
What to test before building software.
- Create one sample evidence pack for a flood-prone home.
- Ask 20 brokers/trades whether it would help their customers.
- Offer 5 discounted reports to homeowners with renewal stress.
- Only build software once the repeatable report format is proven.
Guardrails
Clear boundaries make it sellable.
- No insurance, legal, engineering, or building-certification advice.
- No claim that the pack will reduce premiums.
- No final hazard rating.
- All recommendations framed as questions, evidence gaps, and quote categories for qualified experts.