Score Comparison
All Ideas
An insurance and risk management platform for HOAs that tracks community liability exposures, monitors policy renewals, models premium impacts of claims, and generates board-ready risk reports — the "risk register" that every HOA needs but nobody builds.
The Problem
HOA boards are personally liable for community risks — slip-and-fall at the pool, tree branch falls on a car, contractor without valid insurance causes damage, unmonitored common area leads to injury. Most boards don't know their total risk exposure. Insurance policies are renewed annually with minimal review. When a claim happens, boards scramble to find the relevant policy, determine coverage, and understand the premium impact. There's no tool that gives an HOA board a real-time view of their community's risk posture — it's all buried in filing cabinets and broker emails.
The Solution
HOARisk creates a comprehensive risk register for HOA communities. Upload all insurance policies (GL, D&O, property, umbrella, workers comp). The system extracts coverage details, tracks renewal dates, and sends alerts 90/60/30 days before expiry. Log incidents and claims with photos and witness statements. The risk model shows premium impact projections ("this slip-and-fall claim will likely increase your GL premium by $2,000-4,000 at renewal"). Board-ready risk reports rank the community's top exposures with mitigation recommendations. Compare your coverage and premiums against benchmark data from similar communities.
Portfolio Connection
Deep Sea Pines domain knowledge — insurance management and risk mitigation are constant board concerns. Complementary to VendorVault (vendor insurance tracking), GateKeeper (access control as risk mitigation), and PoolPass (capacity tracking as liability reduction). This is the insurance layer that connects them all.
Tech Stack
Next.js, Tailwind v4, shadcn/ui, Anthropic Claude API (policy document parsing + risk assessment), Supabase (auth + DB + storage), react-pdf for reports, Vercel
Monetization
SaaS — $39/mo (up to 3 policies, basic tracking), $99/mo (unlimited policies + AI document parsing + incident management + benchmarking), $199/mo (management company, multi-community + risk modeling + board reports). Target: 40 communities at $99/mo = $3,960/mo within 12 months.
Market Valuation
MVP Scope
- -Policy registry: upload insurance documents (PDF), manual entry for coverage details
- -AI document parsing: extract policy type, coverage limits, deductibles, renewal dates, named insured
- -Renewal tracking dashboard with 90/60/30 day alerts
- -Incident logging: date, location, description, photos, witness info, related policy
- -Claim tracking: incident → claim filed → adjuster assigned → settled, with timeline
- -Premium impact modeling: estimate renewal premium change based on claim history
- -Risk register: ranked list of community exposures with severity and mitigation suggestions
- -Board-ready quarterly risk report (PDF export)
Scoring Breakdown
| Dimension | Score | Rationale |
|---|---|---|
| Feasibility | 8 | Policy registry + AI parsing + CRUD, proven patterns |
| Monetization | 9 | Insurance risk management saves boards $10K+ per avoided incident. ROI is massive. |
| Market Value | 8 | No standalone HOA risk/insurance SaaS exists. Acquisition target for insurtech or HOA platforms. |
| Portfolio Synergy | 9 | Sea Pines insurance domain + GateKeeper/PoolPass/VendorVault ecosystem |
| Market Size | 8 | 370K HOAs, all carry insurance, all face liability. Universal need. |
| Differentiation | 9 | HOA-specific risk management platform doesn't exist. Brokers provide spreadsheets. |
| Build Time | 7 | ~5.5 hours — AI document parsing adds complexity |