Who it serves
Individual vehicle owners and property owners checking their own real recall/risk/catastrophe exposure before a purchase or claim. Secondary: Researchers and consumer advocates needing a public-data risk reference.
encoverai.com
Finance division
encoverai.com
Real, live NHTSA-backed vehicle recall search, a transparent vehicle risk-signal score, a FEMA-backed property catastrophe risk signal, and a claims-readiness triage check - reference tools only, not underwriting. (Reframed 2026-09-24: the original "AI-driven insurance underwriting platform" claimed real-time risk assessment and dynamic pricing that require state insurance licensing this venture doesn't have, per its own spec_draft's LICENSING flag; this describes the real, live product at encoverai.com.)
How it earns
Pro tier subscription ($4, 30-day pass via live Stripe checkout) unlocking more results per search. No platform fees, risk-assessment API licensing, or data-insights revenue exist - removed as unbuilt claims.
Why it compounds
Real, live, venture-exclusive risk-signal computations from public NHTSA and FEMA data (vehicle safety/recall risk score, property catastrophe risk tier, claims-readiness triage) - no underwriting, no dynamic pricing, and no carrier/reinsurer platform exist.
Availability without invention.
This endpoint is rendered from the authenticated venture ledger. It restores a durable public surface while richer product payloads are reconciled from canonical source. No customer, launch, or completion claim is implied. One thing below is not a placeholder: the tool in the next section is real and live right now - try it. Brand direction: Fair, Transparent, Instant, Protective.
Search real vehicle safety recalls
Live results from NHTSA - real recall campaigns by make/model/year, public record. Reference only, not a coverage or claims decision.
Pro: 40 recalls per search instead of 15, 30-day pass - $4.00, real Stripe checkout.
Real-time vehicle risk signal
Computed live from NHTSA safety-rating, complaint, investigation, and recall data - a real reference signal, not a quote, rate, or coverage decision.
Real-time property catastrophe risk signal
Computed live from FEMA's real federal disaster declaration history (10-year window, by county) - a real reference signal for property/home lines, not a quote, rate, or coverage decision.
Claims readiness check
Cross-references your incident against real NHTSA recall and FEMA disaster-declaration records to build a claims-readiness checklist - reference triage only, not a coverage determination or guarantee of payment.
Get notified about the full product
Ask about encoverai.com
A real, live AI answer grounded only in this venture's own facts on file - not a human support agent, and it will say so plainly if it doesn't know something rather than guessing.