Kith Climate Advisory
We do the financial analysis and back you up through presentation and disclosure, so you and your team are the ones who champion it.
Gulf coast, as one example of a footprint · coastline from Natural Earth · schematic, not asset locations
Climate professionals from these firms have trained on our system — 130 trained · 500+ deliverables built in live consulting simulations · 11,000 registered for the open demos
The work
The flood itself is rarely the expensive part. The larger costs come afterwards, in what insurers, lenders and buyers decide to do next.
Plenty of tools will score your assets; the expensive question starts where the scoring stops. The first figure is exact, calculated from the policy terms you already hold. The other two come as ranges, because they depend on how buyers and carriers behave.
What your team already has
What the CFO is asking
Hazard exposure, site by site
What you'd end up paying yourselves
$6.3M
Your deductibles hold this steady, however bad the storm gets.
retained flood loss · calculated
A scenario set, and the assumptions behind it
What the buildings are worth afterwards
$13.0–34.1M
$13.0M · buyers barely react
$34.1M · price it in hard
Markdowns like these land in valuation long before you'd ever sell.
submarket value markdowns · inferred range
The renewal and maturity dates you already track
What cover costs you from here on
$12.8–51.1M
$12.8M · carriers hold their nerve
$51.1M · they retreat
Counted as a hit to the balance sheet today, and it lands in the same eighteen months as your renewal.
insurance-retreat premium shock, capitalized · inferred range
Harborview Real Assets — a fictional 18-asset portfolio · 23 July 2026 · every figure tagged calculated or inferred, and dated · bars share one dollar scale
Same method, other hazards
Wildfire, drought, heat, water availability, winter reliability — the work is the same for each: what does this hazard do to insurance, to credit, to asset value, and to the way the business earns.
Southern Rockies · headwaters, and the basins they feed
Where a season shortens, snowmaking runs longer, and a burn scar upstream changes what water costs downstream. None of it is coastal, and the analysis works the same way.
proxy · figures to follow
[ calculated figure ]
[ inferred range ]
Elsewhere, right now
Low water stops the barges. Chemical producers declare force majeure. The loss lands in supply contracts, not in a damaged building.
Drought and heat reach the business through water allocation and power prices, long before they reach an asset register.
Bushfire has made cover harder and costlier to buy, so for some assets the question is no longer the premium, it's whether anyone will write the policy at all.
Carriers withdraw county by county. The cost shows up at renewal and at refinancing, not on the day of the storm.
Four hazards, and four different routes into the accounts, which is why we start from your instruments and work back to the weather, not the other way around.
Disclosure
The scenario analysis your S2 reporting needs is the one your CFO is asking for, so you build it once, and it does both jobs.
S2 asks what climate risk means for the business: quantified, over stated time horizons. That's what this analysis produces directly — decision-useful in the ISSB sense — not an appendix added at the end.
Finance, operations and the board see the numbers while they're being built, so the disclosure isn't the first time anyone in the room has read them.
Provenance on the inputs, QA on the figures, and a QC hold before release, so your assurance provider picks the work up rather than reconstructs it. See the gates →
That means the risk work and the disclosure work stop being two separate projects competing for the same quarter. S2 here is IFRS S2, the ISSB standard, and the same analysis serves the regimes that reference it, including CSRD and California's SB 261.
Where this puts you
You'll be the one presenting it, and you shouldn't have to present anything you can't defend.
So before it goes anywhere, we walk you through the numbers: where they came from, how sure we are, and what to say when someone pushes back.
And because the method is repeatable, your team runs more of it each quarter, until the person the firm turns to on climate risk is you. What that looks like →
On the cover
[Your firm]
Physical Risk Coverage
prepared with Kith Climate Advisory · Q3 2026
The next thirty minutes
For firms that own the assets, insure them, or lend against them, wherever physical risk is material.
You send
A region, or the site list you already maintain.
You get back
That footprint ranked in dollars, down to facilities, in an hour on a call. It's the first pass of coverage, not a report that ends there.
It costs
Nothing. Public information only. No data of yours changes hands.
Who you'd be working with
Kith Climate is run by Diego Espinosa, an environmental engineer who spent his career in finance — Wharton, then BCG, then years as a top-ranked Wall Street analyst and research director. Most recently he has trained 130 climate professionals in AI-assisted climate risk analysis.
Years of being graded on published calls left a habit: the figures here are dated, and the inferred ones say so.
Kith builds its analysis on AI, and says so openly, and we've been teaching the field to do the same. Three cohorts so far: 130 climate professionals, 500+ deliverables built by them in live consulting simulations on our Claude Code-based system, and 11,000 registered for the open sessions where that work is built in public. On September 8 we launch the first AI training program dedicated to climate risk.
The AI is why bespoke, continuously updated analysis is affordable, and why you can read finished work before paying for anything. It isn't what makes the numbers trustworthy: nothing is released unchecked, and a named person answers for the numbers.
Every piece of work on this page was produced on fictional entities, in the open. See the record →
