Delos Insurance Solutions Targets Wildfire ‘Insurance Desert’ With ROAR Partnership

According to a recent LinkedIn post from Delos Insurance Solutions, the company is highlighting a growing “insurance desert” following catastrophic wildfire losses in 2025, with an estimated $110B+ gap between economic losses and insured coverage. The post notes a new partnership with ROAR aimed at advancing a “Future Proofing America Framework.”

The post suggests that Delos intends to combine its granular wildfire science with ROAR’s investment and resilience expertise to make previously “uninsurable” risks more “investable.” It also references a three-pillar strategy designed to restore market stability and expand homeowners’ insurance coverage, particularly in wildfire-exposed regions such as California.

For investors, this partnership could indicate an effort to capture underserved premium pools in high-risk areas while leveraging analytics to better price and manage catastrophe exposure. If successful, such a framework may support topline growth for Delos and its partners while potentially attracting reinsurance capital seeking structured access to wildfire risk.

At the same time, the focus on resilience and investment-driven solutions underscores ongoing structural shifts in the U.S. homeowners and reinsurance markets. Execution risk remains material, as scaling in catastrophe-prone geographies depends on model accuracy, regulatory acceptance, and the availability of reinsurance capacity in a volatile climate risk environment.