

The Adapt Interview Series #7: Tim Dudas (Plain Site)
A property owner may spend real money hardening a site against flood risk, with the hopes of impressing their insurer and seeing their premiums reduced. But then renewal season comes around, and nothing changes — the flood-proofing is genuine, but it's invisible to the underwriter deciding what gets insured. It's a mismatch that Plain Site and its founder, Tim Dudas, are determined to fix. Borrowing from the cyber insurance playbook — pricing verified flood defenses rather than relying on pure claims history — Plain Site designs interventions on land the owner controls, models their effect on the site's loss curve, monitors performance with sensors, then writes cover it can defend. Dudas, a former architect, traces the idea back to planning's "red line boundary" — the edge of an owner's responsibility, which flood waters ignore. The episode also covers the pivot that turned Plain Site into an MGA, and Dudas' read on insurance history: most surplus lines, from terrorism to now flood, started as afterthoughts until a catastrophe made them their own market.
- Transcript





