Trinetra - Insurance Partner Guide
For: Insurance Companies, Underwriters, and Adjusters Version: 1.0.1 | Last Updated: February 17, 2026
Pilot Status: Trinetra is currently in a closed pilot with Berkeley District 6 residents. Insurance partner onboarding will open once the pilot validates the system. Interested partners can register early at admin@trinetra.app to be notified when access becomes available.
Welcome
Trinetra offers insurance partners a Verification-as-a-Service (VaaS) platform — real-time access to property compliance data powered by AI inspections and cryptographic audit trails. Instead of sending adjusters to manually inspect every property, Trinetra provides instant, auditable compliance verification at a significantly lower cost.
The Value Proposition
| Traditional Approach | With Trinetra |
|---|---|
| ~$50+ per manual property inspection* | ~$0.01 per AI-powered assessment* |
| Days to weeks for scheduling | Instant compliance verification |
| Paper-based records, no audit trail | Cryptographic Truth Ledger (immutable) |
| Spot-check coverage (limited sampling) | 100% coverage of participating properties |
| Adjuster travel and time costs | API-based verification from your desk |
| Subjective inspector scoring | Standardized AI scoring (NFPA 1144 / Berkeley EMBER) |
Cost figures are approximate estimates based on industry averages and projected AI processing costs. Actual savings may vary depending on property volume, region, inspection complexity, and partner agreements. These figures do not constitute a financial guarantee.
Getting Started
Access
| Platform | URL / Method |
|---|---|
| Web | https://app.trinetra.app |
| iOS | TestFlight invitation (sent to your email) |
| Android | APK download link (provided separately) |
Your Account
Your account is created by the Trinetra platform admin:
- Contact admin@trinetra.app to register your organization
- Provide: Organization name, your name, email, and role (PARTNER_ADMIN, UNDERWRITER, or ADJUSTER)
- You'll receive login credentials separately
- Log in and change your password immediately (Settings > Change Password)
Onboarding Flow
- Log in at https://app.trinetra.app
- Complete Insurance Credentials verification:
- Search for your insurance organization
- Select your sub-role (Adjuster, Underwriter, or Partner Admin)
- Submit professional identity documentation
- Provide supervisor contact for verification
- Once approved, you'll be routed to the Insurance Dashboard
Insurance Dashboard
Your primary interface after login. The dashboard provides a partner-scoped view of property compliance data.
Dashboard Summary
| Metric | What It Shows |
|---|---|
| Total Verifications | Number of property compliance checks completed |
| Compliance Rate | Percentage of verified properties meeting EMBER standards |
| Active Contracts | Number of active verification contracts |
| Team Size | Number of team members in your organization on the platform |
Navigation
| Section | Purpose |
|---|---|
| Dashboard | Summary metrics and quick actions |
| Verify | Run property compliance verification |
| Heatmap | Regional compliance visualization |
| History | Verification history with filtering |
| Team | Manage team members and permissions |
Property Verification (VaaS)
How to Verify a Property
- Navigate to Verify from the dashboard
- Enter the property owner's email or user ID
- Trinetra returns the property's compliance status:
| Field | Description |
|---|---|
| Compliance Score | 0-100% based on 15 EMBER audit categories |
| Zone 0 Status | Pass/Fail for the critical 0-5ft buffer zone |
| Last Inspection Date | When the property was last assessed |
| Inspection Method | AI self-inspection, AI + professional override, or manual inspector |
| Truth Ledger Hash | Cryptographic proof of the inspection record |
| Risk Factors | Specific non-compliant items (e.g., "Wood mulch in Zone 0") |
Compliance Categories (15 EMBER Items)
Trinetra assesses properties across 4 walk zones with 15 specific categories:
| Walk Zone | Categories |
|---|---|
| Zone 0 (0-5ft) | Debris clearance, Ground cover material, Attached structures, Deck/patio materials, Window framing |
| Zone 1 (5-30ft) | Vegetation spacing, Tree canopy height, Fence materials, Outbuilding separation |
| Zone 2 (30-100ft) | Fuel storage distance, Propane tank placement, Access road clearance, Wildland interface buffer |
| Hardened Home | Roof material class, Vent screening (1/8" mesh), Eave construction, Siding combustibility |
Verification Results
Each verification returns one of:
| Status | Meaning | Risk Implication |
|---|---|---|
| COMPLIANT | Property meets all 15 EMBER categories | Low risk — eligible for premium discount |
| PARTIALLY_COMPLIANT | Some categories pass, some fail | Medium risk — specific remediation needed |
| NON_COMPLIANT | Property fails critical categories | High risk — standard or elevated premium |
| UNVERIFIED | No inspection data available | Unknown risk — manual inspection recommended |
Compliance Heatmap
Dashboard > Heatmap
A regional visualization of property compliance:
- Green zones — High compliance concentration (hardened neighborhoods)
- Yellow zones — Mixed compliance
- Red zones — Low compliance concentration (vulnerable areas)
- Data granularity — Block-level aggregation (individual properties are not identified)
- Regions — Currently covers Berkeley District 6 (pilot zone), expanding to broader Bay Area
Use Cases for Underwriters
- Portfolio risk assessment — Identify concentration of compliant vs. non-compliant properties
- New policy pricing — Factor community-level resilience into risk models
- Renewal decisions — Track compliance trends over time for existing policies
- Catastrophe modeling — Overlay heatmap data with wildfire risk corridors
Verification History
Dashboard > History
A searchable log of all verification requests your organization has made:
| Column | Description |
|---|---|
| Date | When the verification was requested |
| Property | Anonymized property reference |
| Result | COMPLIANT / PARTIALLY_COMPLIANT / NON_COMPLIANT / UNVERIFIED |
| Score | Numerical compliance score (0-100%) |
| Verified By | Team member who ran the verification |
| Ledger Hash | Cryptographic proof for audit purposes |
Filter by date range, result status, or team member.
Team Management
Dashboard > Team
Partner Admins can manage their organization's team on Trinetra:
| Action | Permission Required |
|---|---|
| View team members | All roles |
| Verify properties | ADJUSTER, UNDERWRITER, PARTNER_ADMIN |
| View heatmap | UNDERWRITER, PARTNER_ADMIN |
| View verification history | ADJUSTER, UNDERWRITER, PARTNER_ADMIN |
| View financial metrics | PARTNER_ADMIN |
| Manage API keys | PARTNER_ADMIN |
| Manage team members | PARTNER_ADMIN |
Sub-Roles
| Role | Access Level |
|---|---|
| ADJUSTER | Property verification, own history |
| UNDERWRITER | Verification + heatmap + full history + analytics |
| PARTNER_ADMIN | All features + team management + API keys + financials |
API Access
Coming Q2 2026 — Programmatic API access is under development and will be available to onboarded partners after the District 6 pilot concludes. The endpoints below reflect the planned integration surface. Register interest at admin@trinetra.app.
For programmatic integration, Partner Admins will be able to generate API keys:
Planned API Endpoints
| Endpoint | Method | Purpose |
|---|---|---|
/api/v1/insurance/dashboard/summary | GET | Dashboard summary metrics |
/api/v1/insurance/dashboard/verifications | GET | Verification history (paginated) |
/api/v1/insurance/dashboard/team | GET | Team member list |
/api/v1/insurance/api-keys/rotate | POST | Rotate API key |
/api/v1/verification/verify-proof | POST | Verify a Truth Ledger proof (sub-5ms) |
API Key Management
- Navigate to Dashboard > Settings (or use the Team screen)
- As PARTNER_ADMIN, select Rotate API Key
- Your new key is displayed once — save it securely
- Use the key in the
Authorizationheader for API requests
Dividends & Fees
Trinetra's Lakshmi Protocol manages the financial relationship between insurance partners and the community:
| Component | Description |
|---|---|
| Risk Avoidance Dividend | When a property is 100% EMBER compliant, the partner may offer a premium discount to the resident |
| Partner Fee | Per-verification fee deposited to the community Abundance Reserve |
| Truth Ledger | All financial transactions are cryptographically recorded |
How Dividends Work
- You verify a property via VaaS
- Property is confirmed 100% COMPLIANT
- You decide to offer the resident a premium discount (at your discretion)
- The discount decision and amount are logged on the Truth Ledger
- The resident sees the benefit in their Prana dashboard
Privacy & Compliance
- No PII in heatmaps — Heatmaps show aggregate block-level data only. Individual property addresses are never exposed.
- Resident consent — Residents opt-in to insurance verification when they complete inspections.
- Truth Ledger — Every verification request, result, and financial transaction is cryptographically hashed and immutable.
- Data retention — Verification results are retained for the contract period. Historical data is available via the History screen.
- On-device AI — Property photos are processed on-device or on sovereign hardware. Photos are never shared with insurance partners — only compliance scores and category results.
Frequently Asked Questions
Q: Can I see photos of the property? A: No. Property photos remain with the resident (on-device) or on sovereign hardware. You receive compliance scores, category-level pass/fail results, and Truth Ledger verification — not raw images.
Q: How accurate is the AI assessment? A: Trinetra uses a multi-model AI pipeline (YOLO object detection + Liquid VLM + Coach Kai reasoning). For properties where AI confidence is low, a human field inspector conducts an override assessment. The inspection method is disclosed in every verification result.
Q: Can residents manipulate their compliance score? A: Every inspection is recorded on the Truth Ledger with cryptographic hashes. AI reviews photos for consistency. Repeated suspicious submissions trigger automatic escalation to a professional field inspector. The system is designed to be tamper-evident.
Q: How often are properties re-inspected? A: Residents can re-inspect anytime. The "Last Inspection Date" field in verification results shows how current the data is. We recommend treating inspections older than 90 days as stale for underwriting purposes.
Q: What standards does Trinetra use? A: NFPA 1144 (Standard for Reducing Structure Ignition Hazards from Wildland Fire) and Berkeley's Enhanced Mitigation for Building and Environmental Resilience (EMBER) program. The 15 audit categories map directly to these standards.
Q: How do I onboard my team? A: Contact admin@trinetra.app with team member names, emails, and desired sub-roles. We'll create their accounts. They'll complete the insurance credential verification flow on first login.
Q: Is the API rate-limited? A: Contact admin@trinetra.app to discuss API access tiers based on your verification volume needs.
Contact
- Partnership Inquiries: admin@trinetra.app
- Technical Integration: admin@trinetra.app
- In-App Support: Settings > Help & Support
- Web App: https://app.trinetra.app
Trinetra - Verification-as-a-Service for Insurance Innovation Copyright 2026 Trinetra. All rights reserved.