Building the Future of Loss Prevention—From the Inside Out

At Rafter, we believe that safer homes start long before a claim is filed. We’re pioneering a new model for residential property protection—one that brings together in-home data, AI-driven insights, and real-world service to prevent losses before they happen.

Our belief is simple: the most powerful tool for reducing risk is an empowered and incentivized homeowner. We’ve spent years working directly with homeowners to understand what they need, what gets in their way, and what actually helps them take care of their homes. That work has shaped a platform built not just for detection, but for follow-through—and informed by proprietary, on-the-ground insights you won’t find anywhere else.

That’s why we’ve built Rafter as a closed-loop loss prevention solution: identifying vulnerabilities, supporting execution, validating completion, and surfacing real-time insights for insurance partners. We help insurers reduce claims, improve retention, and unlock better risk segmentation—while giving homeowners the tools and support they’ve always needed.

Our long-term vision? To establish a new industry standard: a “Responsible Homeowner Discount” powered by verified action—not just intent.

We’re not here to sell more sensors. We’re here to eliminate billions in preventable losses—and create a smarter, more sustainable model for home insurance.