The best claim is the one that never happens.
Building science solved this. Homes built right can shrug off hail, stand up to hurricanes, resist leaks, refuse an ember. The materials are on the shelf. Most homes need a few specific things.
It isnt happening. Why? Insurance prices your home through the rearview mirror — what burned, what your ZIP code did last decade. Harden your home and you get a token discount. The math doesnt pencil, so the work doesnt happen. And the fallout hits people nowhere near a catastrophe: carriers exit, capacity dries up, homeowners who never filed a claim get non-renewed.
Bracely fixes the incentive. Our actuary quantified what the building science actually delivers, so we price the loss reduction and pass back the real number — not a token. Then we help the homeowner do the hard part: material selection, contractor qualification, project management, financing. White-glove, at scale, because AI makes that possible now.
Launching in California. Represented by Guy Carpenter (MarshRe). Accepted into the Bermuda Monetary Authoritys Innovation Hub. Backed by Kindergarten Ventures (Nat Manning of Kettle Re, David Rosenthal of Acquired podcast), and prominent angels including the head of Anthropic’s data science team, employees at Zurich, xAI and Google, the first angel check into Robinhood, and homeowners who lost it all in Pacific Palisades.
Bracely is a managing general agent (MGA). Insurance products, when available, will be underwritten by licensed carriers and offered through appropriately licensed producers, initially in the California surplus lines market. Coverage, terms, and eligibility are subject to underwriting review.
If you believe the best claim is the one that never happens — homeowner, agent, contractor, partner — we want to hear from you.
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Frequently asked questions
What industry is Bracely Insurance in?
Bracely Insurance operates in Insurance. Find similar Insurance investors on gritt.io.
Where is Bracely Insurance based?
Bracely Insurance is headquartered in Los Angeles, United States.
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