In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding speaks with Jon Francis, Chief Product Officer at Chimnie, about why the future of property insurance underwriting depends on transparent, high-quality data. Jon explains how flawed or overly averaged property data can distort rebuild cost models, misprice risk, and ultimately drive adverse selection across insurance portfolios. He outlines practical methods for validating external data providers at scale, including large-volume testing to uncover hidden discrepancies that vendor samples often miss. 

The conversation also introduces a structured approach for transitioning to more accurate data systems while maintaining internal trust and regulatory confidence. From uncovering edge-case property characteristics to enabling frictionless quote journeys, Jon shows how granular property intelligence can become a powerful competitive advantage for insurers willing to modernize their risk data infrastructure.

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Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.

Check out the three most downloaded episodes:

• The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo
• 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada
• Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's