How a modern risk platform became the next step in the long evolution of residential insurance.
The story of residential insurance is a story of people trying to protect what matters most. Every improvement, every tool, every new approach has been driven by the same question: how do we understand risk better?
CHRP is the latest answer, and it is part of a very long conversation.
The Great Fire of London destroys 13,000 homes in four days.
Collective protection from catastrophic loss becomes a necessity.
Benjamin Franklin founds the Philadelphia Contributionship. For the first time, homeowners have formal protection against loss.
Protection grows beyond fire to weather, liability, and structural
risk. But risk identification tools stay largely reactive.
Smart systems, engineered materials, and stricter codes transform
homes. Risk tools fail to keep pace.
Smart systems, engineered materials, and stricter codes transform
homes. Risk tools fail to keep pace.
Micah Kalisch combines 20 years of construction experience with
insurance expertise to build the platform the industry was missing.
CHRP serves carriers and risk teams with AI-powered assessments, loss prevention, and repair workflows built on real
construction knowledge.
Construction Meets Insurance
CHRP was founded to close a long-standing gap between how homes are actually built and how residential risk is traditionally assessed.
One of CHRP’s founders brings over 20 years of hands-on residential construction experience. That perspective revealed a clear problem: underwriting and risk teams were being asked to make critical decisions without enough real-world visibility into how homes age, change, and fail over time.
CHRP was created to bring that construction context into insurance workflows. Not to replace people, but to support better assessment, clearer recommendations, and more consistent follow-through.
The natural next step in the long evolution of residential risk management.
