Most Property Data Is Wrong. Here’s What That Means for Insurers | Jon Francis of Chimnie

Episode notes

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. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we’ll unpack solutions from our experience at Cytora.