{
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 "createdAt": "2026-08-12T00:00:00Z",
 "description": "Append-only Evidence Passport records. Old revisions are immutable; corrections create a new revision and preserve the previous permalink.",
 "entity": {
  "type": "project",
  "id": "lagos-parametric-flood-insurance",
  "title": "Lagos State Parametric Flood Insurance Policy",
  "canonicalUrl": "https://1001smartcities.org/projects/lagos-parametric-flood-insurance/"
 },
 "currentRevisionId": "2026-08-21-source-dates",
 "revisions": [
  {
   "id": "2026-08-20-claim-baseline",
   "createdAt": "2026-08-21T10:55:00Z",
   "effectiveAt": "2026-07-26",
   "changeType": "baseline",
   "summary": "Created the first structured Evidence Passport with 11 claims and 10 source dossiers.",
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   },
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    "by": null,
    "date": null,
    "note": "Awaiting operator and domain-expert review; publication of this revision implies neither."
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     "operation": "add",
     "path": "/evidencePassport",
     "summary": "Added claim-level evidence mapping and source dossiers."
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    {
     "operation": "add",
     "path": "/revisionHistory",
     "summary": "Established a permanent, hash-addressed baseline revision."
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    "projectState": {
     "status": "live",
     "outcome": "ongoing",
     "evidenceGrade": "official",
     "timeline": {
      "started": 2026,
      "ended": null
     }
    },
    "governance": {
     "operator": "Lagos State Government (policyholder; Office of the Sustainable Development Goals with the Ministry of Finance, Ministry of Budget and Economic Planning and LASEMA), fronted by AXA Mansard",
     "actorTypes": [
      "regional-government",
      "private"
     ],
     "fundingModel": "mixed",
     "fundingDescription": "InsuResilience Solutions Fund (German Federal Ministry for Economic Cooperation and Development) financed 90 per cent of the first-year premium; Lagos State funded the remainder and is committed to a larger share in years two and three",
     "cost": null,
     "ownership": null,
     "decisionRights": null,
     "exitConditions": null
    },
    "claims": [
     {
      "id": "clm-ea34b7615574e338",
      "field": "snippet",
      "text": "Since 26 March 2026 Lagos State has held a parametric flood insurance policy: instead of assessing damage after a flood, the contract pays when satellite-observed flood extent crosses an agreed threshold, so money moves without a loss adjuster",
      "statementKind": "quantitative",
      "textMode": "verbatim-from-project-record",
      "mappingStatus": "mapped",
      "sourceRefs": [
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       "src-05c13afd9fd3db56"
      ],
      "supportNote": "The joint announcement dates the go-live to 26 March 2026 and describes a three-year term. The design milestone eight months earlier states that the trigger is 'pre-agreed flood triggers based on satellite flood footprint data'.",
      "caveat": null,
      "interpretation": {
       "added": false,
       "interpolation": false,
       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
      }
     },
     {
      "id": "clm-812cb695c62a0f3d",
      "field": "snippet",
      "text": "ICEYE radar satellites supply the flood footprints, JBA Risk Management built the model, AXA Mansard fronts the risk in Nigeria, and Swiss Re, African Risk Capacity Ltd and Africa Re carry it",
      "statementKind": "descriptive",
      "textMode": "verbatim-from-project-record",
      "mappingStatus": "mapped",
      "sourceRefs": [
       "src-7f014b949e93363e",
       "src-6fcecd03401dde3f",
       "src-aa0dba4115642e09"
      ],
      "supportNote": "The joint announcement carries the full partner list; the independent risk-transfer trade press corroborates AXA Mansard fronting with Swiss Re and African Risk Capacity Ltd carrying the risk; the launch-ceremony report adds Africa Re as lead technical reinsurance partner, which the March releases omit.",
      "caveat": null,
      "interpretation": {
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       "interpolation": false,
       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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     {
      "id": "clm-28fa9c60bda07c43",
      "field": "snippet",
      "text": "Cover runs to US$7.5 million per event across seven of the state's twenty local government areas",
      "statementKind": "quantitative",
      "textMode": "verbatim-from-project-record",
      "mappingStatus": "mapped",
      "sourceRefs": [
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       "src-7b2ca8ae30a4436e"
      ],
      "supportNote": "The joint announcement gives the US$7.5m limit across seven local government areas. The Nigerian daily is the only source naming them: Ajeromi-Ifelodun, Alimosho, Amuwo-Odofin, Apapa, Kosofe, Ojo and Somolu.",
      "caveat": "The fetched body of the Punch article stated 'seven' but listed only six, the seventh appearing in the indexed version; the list should be re-checked against a Lagos State document when one is published.",
      "interpretation": {
       "added": false,
       "interpolation": false,
       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
      }
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     {
      "id": "clm-94eaea7f101d542f",
      "field": "snippet",
      "text": "The trigger thresholds are undisclosed, so no resident can check whether a flood should have paid",
      "statementKind": "descriptive",
      "textMode": "verbatim-from-project-record",
      "mappingStatus": "mapped",
      "sourceRefs": [
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      ],
      "supportNote": "Neither the go-live announcement nor the design milestone discloses a numerical threshold. The one public document likely to contain the index definition, payout ladder and basis-risk analysis could not be read: the technical report's PDF returned an empty body over both http and https on 26 July 2026.",
      "caveat": "The technical report is listed precisely because it is the document that would settle this; every claim in the entry is sourced without it, and a future check should retry it.",
      "interpretation": {
       "added": false,
       "interpolation": false,
       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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     {
      "id": "clm-9b14d5a6a015b961",
      "field": "snippet",
      "text": "The premium is undisclosed, and Germany's InsuResilience Solutions Fund paid 90 per cent of the first year and keeps co-financing years two and three, so Lagos has never carried the full cost",
      "statementKind": "quantitative",
      "textMode": "verbatim-from-project-record",
      "mappingStatus": "mapped",
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      "supportNote": "The premium financier's own release states it covered 90 per cent of the first-year premium, with Lagos State committing to more than 10 per cent in years two and three while the fund continues to co-finance, and does not disclose the premium amount. The independent trade press explicitly notes that the premium is not disclosed.",
      "caveat": null,
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       "interpolation": false,
       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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     {
      "id": "clm-eb66514fc439966e",
      "field": "snippet",
      "text": "as of late July 2026, in the middle of the rainy season, no payout has been reported",
      "statementKind": "quantitative",
      "textMode": "verbatim-from-project-record",
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      "supportNote": "No payout appears in the joint announcement, in the risk-transfer trade coverage, or in any other source reached in this review as of 26 July 2026.",
      "caveat": "A dated negative finding with a built-in expiry: the entry should be re-checked after the rainy season, around November 2026.",
      "interpretation": {
       "added": false,
       "interpolation": false,
       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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     {
      "id": "clm-c61947377769b871",
      "field": "snippet",
      "text": "Money would go to the state, which has undertaken to spend it on relief and cash transfers under its Flood Contingency Plan, identifying recipients through the LASRRA resident register",
      "statementKind": "descriptive",
      "textMode": "verbatim-from-project-record",
      "mappingStatus": "mapped",
      "sourceRefs": [
       "src-7f014b949e93363e",
       "src-7b2ca8ae30a4436e"
      ],
      "supportNote": "The joint announcement confirms payouts go to the state for relief and cash transfers under the Lagos Flood Contingency Plan. The Nigerian daily is the source for the use of the LASRRA register to identify beneficiaries, who pay nothing.",
      "caveat": null,
      "interpretation": {
       "added": false,
       "interpolation": false,
       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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     {
      "id": "clm-f3c66bf62b8d3a7b",
      "field": "impact",
      "text": "UNDP's Insurance and Risk Finance Facility and the InsuResilience Solutions Fund state cover of up to US$7.5 million per flood event across seven local government areas, and a protected population of \"up to 4 million\" — a headcount of those areas rather than a register of insured people",
      "statementKind": "quantitative",
      "textMode": "verbatim-from-project-record",
      "mappingStatus": "mapped",
      "sourceRefs": [
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      ],
      "supportNote": "Both releases carry the US$7.5m per-event limit, the seven local government areas and the 'up to 4 million' figure. Neither describes a register of insured individuals; the contract pays the state.",
      "caveat": "Donor-insurer consortium announcements, not an independent review. The reading of the four million as a headcount rather than a policyholder list is the entry's own, drawn from the absence of any insured register in the sources.",
      "interpretation": {
       "added": false,
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       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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     {
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      "field": "impact",
      "text": "ICEYE's Mike Bennett told business a.m. that radar flood observations reduce basis risk compared with rain or river gauges and that payment should take under a month — a supplier statement about an untested policy, not a measured result",
      "statementKind": "descriptive",
      "textMode": "verbatim-from-project-record",
      "mappingStatus": "mapped",
      "sourceRefs": [
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      ],
      "supportNote": "The most technically specific source found: ICEYE's Mike Bennett describes synthetic aperture radar flood observation rather than proxy rain or river gauges, argues it lowers basis risk, and says the cover targets severe and catastrophic events rather than routine flooding.",
      "caveat": "A supplier account of a policy that has not yet paid out, used as such.",
      "interpretation": {
       "added": false,
       "interpolation": false,
       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
      }
     },
     {
      "id": "clm-d1bd28e98fa1d2a9",
      "field": "lesson",
      "text": "that only converts into accountability if the parameters are public and the money is traceable",
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      "supportNote": "Neither the threshold nor the premium is disclosed in any released document, the technical report that would carry the index definition could not be read, and the contract pays the state rather than the flooded household — so neither the trigger nor the destination of the money can be checked from outside.",
      "caveat": "This is the entry's argument, built on three documented absences rather than on a statement by any source.",
      "interpretation": {
       "added": false,
       "interpolation": false,
       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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     {
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      "field": "lesson",
      "text": "the contract pays the state rather than the flooded household, so the four million people in the headline are beneficiaries by policy intention, not by contract",
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      "supportNote": "The joint announcement states that payouts go to the state for relief and cash transfers under the Flood Contingency Plan; the Nigerian daily records that beneficiaries pay nothing and are identified through the resident register. No source describes an insured-person register or an individual entitlement.",
      "caveat": null,
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       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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     {
      "id": "src-7f014b949e93363e",
      "title": "UNDP Insurance and Risk Finance Facility — Lagos State goes live with parametric flood insurance policy",
      "url": "https://irff.undp.org/press-releases/lagos-state-goes-live-parametric-flood-insurance-policy-protecting-4-million-0",
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       "type": "descriptive-source-note",
       "value": "Primary joint announcement. Verifies the 26 March 2026 go-live, the US$7.5m limit, seven local government areas, up to 4 million people, the full partner list, and the three-year term. Confirms payouts go to the state for relief and cash transfers under the Lagos Flood Contingency Plan. States no trigger threshold.",
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      "title": "InsuResilience Solutions Fund — Lagos State goes live with parametric flood insurance policy",
      "url": "https://insuresilience-solutions-fund.org/2026/03/26/lagos-state-goes-live-with-parametric-flood-insurance-policy-protecting-up-to-4-million-people/",
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       "type": "descriptive-source-note",
       "value": "The premium financier's own release, and the source for the premium split: 90 per cent of year one from ISF, with Lagos State committing to more than 10 per cent in years two and three while ISF continues to co-finance. Names the Lagos agencies involved (SDG office, Finance, Budget and Economic Planning, LASEMA). Does not disclose the premium amount.",
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      "id": "src-05c13afd9fd3db56",
      "title": "UNDP IRFF — parametric flood insurance solution designed for Lagos State (21 July 2025)",
      "url": "https://irff.undp.org/news/tripartite-agreement-nigeria-milestone-parametric-flood-insurance-solution-designed-lagos",
      "publisher": {
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       "domain": "irff.undp.org",
       "classification": "not-classified"
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      "claimRefs": [
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       "publishedAt": "2025-07-21",
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       "type": "descriptive-source-note",
       "value": "Design milestone eight months before go-live. Verifies that the trigger is 'pre-agreed flood triggers based on satellite flood footprint data', that regulatory approval was obtained, and that premium financing was still outstanding at that point. Discloses no numerical threshold.",
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      "id": "src-af4b906cdd6a3de4",
      "title": "business a.m. — Flood insurance payouts can be delivered in weeks, not years (20 April 2026)",
      "url": "https://businessamlive.com/flood-insurance-payouts-can-be-delivered-in-weeks-not-years/",
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       "publishedAt": "2026-04-20",
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       "dossierCreatedAt": "2026-08-21",
       "retrievedAt": null,
       "status": "publication-and-record-dates-recorded"
      },
      "locator": {
       "type": "descriptive-source-note",
       "value": "The most technically specific source found. ICEYE's Mike Bennett describes synthetic aperture radar flood observation rather than proxy rain or river gauges, argues it lowers basis risk, and says the cover targets severe and catastrophic events, not routine flooding. A supplier account, used as such.",
       "exact": false
      },
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     {
      "id": "src-6fcecd03401dde3f",
      "title": "Artemis — Lagos State secures up to US$7.5m parametric flood insurance coverage",
      "url": "https://www.artemis.bm/news/lagos-state-secures-up-to-us7-5m-parametric-flood-insurance-coverage/",
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      "locator": {
       "type": "descriptive-source-note",
       "value": "Independent risk-transfer trade press, corroborates the limit, the 90 per cent first-year premium finance, the three-year structure and the risk carriers (AXA Mansard fronting, Swiss Re and African Risk Capacity Ltd). Explicitly notes the premium is not disclosed.",
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      "id": "src-7b2ca8ae30a4436e",
      "title": "Punch — Lagos targets four million residents with $7.5m flood insurance scheme",
      "url": "https://punchng.com/lagos-targets-four-million-residents-with-7-5m-flood-insurance-scheme/",
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       "recordLastVerifiedAt": "2026-07-26",
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       "retrievedAt": null,
       "status": "record-date-only"
      },
      "locator": {
       "type": "descriptive-source-note",
       "value": "Nigerian daily; the only source naming the covered areas — Ajeromi-Ifelodun, Alimosho, Amuwo-Odofin, Apapa, Kosofe, Ojo and Somolu — and the LASRRA register's use for identifying beneficiaries, who pay nothing. Caution: the fetched body stated 'seven' but listed only six, the seventh (Somolu) appearing in the indexed version; the list should be re-checked against a Lagos State document when one is published.",
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     },
     {
      "id": "src-aa0dba4115642e09",
      "title": "Nairametrics — Africa Re and insurance consortium power Lagos flood risk insurance initiative",
      "url": "https://nairametrics.com/2026/04/30/africa-re-and-insurance-consortium-power-landmark-lagos-flood-risk-insurance-initiative-in-partnership-with-lagos-state-government/",
      "publisher": {
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       "classification": "not-classified"
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      },
      "locator": {
       "type": "descriptive-source-note",
       "value": "Covers the public launch ceremony of 29 April 2026 — the same policy, not a second scheme — and adds Africa Re as lead technical reinsurance partner, which the March releases omit. This is also where the 'sub-Saharan Africa's first' framing originates; it is the outlet's and the consortium's wording, not an independently established fact.",
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     },
     {
      "id": "src-c691d8ba58ba6849",
      "title": "African Risk Capacity — first flood risk insurance product in Africa (Madagascar)",
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       "type": "descriptive-source-note",
       "value": "Used as a counterweight to the 'first in sub-Saharan Africa' claim: ARC Ltd wrote a sovereign parametric flood policy for Madagascar, signed January 2026, before Lagos. Lagos's defensible distinction is being sub-sovereign, at state rather than national level.",
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      "title": "UNDP Nigeria — launch of the Flood Risk Insurance project (18 May 2023)",
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       "value": "Establishes that the work began with a kick-off workshop in May 2023 and that both rainfall and flood indices were originally on the table, which is how the eventual satellite-footprint trigger can be dated as a design choice rather than a given. Covers pluvial, fluvial and coastal flooding.",
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       "value": "FETCH FAILED — the PDF returned an empty body over both http and https on 26 July 2026 and could not be read. Listed because it is the one public document likely to contain the index definition, payout ladder and basis-risk analysis; every claim in this entry is sourced without it, and a future check should retry it.",
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     {
      "id": "clm-ea34b7615574e338",
      "field": "snippet",
      "text": "Since 26 March 2026 Lagos State has held a parametric flood insurance policy: instead of assessing damage after a flood, the contract pays when satellite-observed flood extent crosses an agreed threshold, so money moves without a loss adjuster",
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      "text": "ICEYE radar satellites supply the flood footprints, JBA Risk Management built the model, AXA Mansard fronts the risk in Nigeria, and Swiss Re, African Risk Capacity Ltd and Africa Re carry it",
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     {
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      "text": "Cover runs to US$7.5 million per event across seven of the state's twenty local government areas",
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      "supportNote": "The joint announcement gives the US$7.5m limit across seven local government areas. The Nigerian daily is the only source naming them: Ajeromi-Ifelodun, Alimosho, Amuwo-Odofin, Apapa, Kosofe, Ojo and Somolu.",
      "caveat": "The fetched body of the Punch article stated 'seven' but listed only six, the seventh appearing in the indexed version; the list should be re-checked against a Lagos State document when one is published.",
      "interpretation": {
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       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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      "text": "The trigger thresholds are undisclosed, so no resident can check whether a flood should have paid",
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      "caveat": "The technical report is listed precisely because it is the document that would settle this; every claim in the entry is sourced without it, and a future check should retry it.",
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       "note": "The passport copies the published claim and its recorded source mapping without adding a conclusion."
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     {
      "id": "clm-9b14d5a6a015b961",
      "field": "snippet",
      "text": "The premium is undisclosed, and Germany's InsuResilience Solutions Fund paid 90 per cent of the first year and keeps co-financing years two and three, so Lagos has never carried the full cost",
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      "supportNote": "The premium financier's own release states it covered 90 per cent of the first-year premium, with Lagos State committing to more than 10 per cent in years two and three while the fund continues to co-finance, and does not disclose the premium amount. The independent trade press explicitly notes that the premium is not disclosed.",
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      "field": "snippet",
      "text": "as of late July 2026, in the middle of the rainy season, no payout has been reported",
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      "caveat": "A dated negative finding with a built-in expiry: the entry should be re-checked after the rainy season, around November 2026.",
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     {
      "id": "clm-c61947377769b871",
      "field": "snippet",
      "text": "Money would go to the state, which has undertaken to spend it on relief and cash transfers under its Flood Contingency Plan, identifying recipients through the LASRRA resident register",
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      "supportNote": "The joint announcement confirms payouts go to the state for relief and cash transfers under the Lagos Flood Contingency Plan. The Nigerian daily is the source for the use of the LASRRA register to identify beneficiaries, who pay nothing.",
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      "field": "impact",
      "text": "UNDP's Insurance and Risk Finance Facility and the InsuResilience Solutions Fund state cover of up to US$7.5 million per flood event across seven local government areas, and a protected population of \"up to 4 million\" — a headcount of those areas rather than a register of insured people",
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      "field": "impact",
      "text": "ICEYE's Mike Bennett told business a.m. that radar flood observations reduce basis risk compared with rain or river gauges and that payment should take under a month — a supplier statement about an untested policy, not a measured result",
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      "supportNote": "The most technically specific source found: ICEYE's Mike Bennett describes synthetic aperture radar flood observation rather than proxy rain or river gauges, argues it lowers basis risk, and says the cover targets severe and catastrophic events rather than routine flooding.",
      "caveat": "A supplier account of a policy that has not yet paid out, used as such.",
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      "field": "lesson",
      "text": "that only converts into accountability if the parameters are public and the money is traceable",
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      "supportNote": "Neither the threshold nor the premium is disclosed in any released document, the technical report that would carry the index definition could not be read, and the contract pays the state rather than the flooded household — so neither the trigger nor the destination of the money can be checked from outside.",
      "caveat": "This is the entry's argument, built on three documented absences rather than on a statement by any source.",
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      "text": "the contract pays the state rather than the flooded household, so the four million people in the headline are beneficiaries by policy intention, not by contract",
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      "title": "UNDP Insurance and Risk Finance Facility — Lagos State goes live with parametric flood insurance policy",
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       "value": "Primary joint announcement. Verifies the 26 March 2026 go-live, the US$7.5m limit, seven local government areas, up to 4 million people, the full partner list, and the three-year term. Confirms payouts go to the state for relief and cash transfers under the Lagos Flood Contingency Plan. States no trigger threshold.",
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      "title": "UNDP IRFF — parametric flood insurance solution designed for Lagos State (21 July 2025)",
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       "publishedAt": "2026-03-27",
       "updatedAt": null,
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       "dossierCreatedAt": "2026-08-22",
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       "status": "publication-and-record-dates-recorded"
      },
      "locator": {
       "type": "descriptive-source-note",
       "value": "Independent risk-transfer trade press, corroborates the limit, the 90 per cent first-year premium finance, the three-year structure and the risk carriers (AXA Mansard fronting, Swiss Re and African Risk Capacity Ltd). Explicitly notes the premium is not disclosed.",
       "exact": false
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     },
     {
      "id": "src-7b2ca8ae30a4436e",
      "title": "Punch — Lagos targets four million residents with $7.5m flood insurance scheme",
      "url": "https://punchng.com/lagos-targets-four-million-residents-with-7-5m-flood-insurance-scheme/",
      "publisher": {
       "name": null,
       "domain": "punchng.com",
       "classification": "not-classified"
      },
      "sourceType": "web-page",
      "language": "und",
      "role": "claim-evidence",
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       "retrievedAt": null,
       "status": "publication-and-record-dates-recorded"
      },
      "locator": {
       "type": "descriptive-source-note",
       "value": "Nigerian daily; the only source naming the covered areas — Ajeromi-Ifelodun, Alimosho, Amuwo-Odofin, Apapa, Kosofe, Ojo and Somolu — and the LASRRA register's use for identifying beneficiaries, who pay nothing. Caution: the fetched body stated 'seven' but listed only six, the seventh (Somolu) appearing in the indexed version; the list should be re-checked against a Lagos State document when one is published.",
       "exact": false
      },
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       "status": "not-captured"
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     },
     {
      "id": "src-aa0dba4115642e09",
      "title": "Nairametrics — Africa Re and insurance consortium power Lagos flood risk insurance initiative",
      "url": "https://nairametrics.com/2026/04/30/africa-re-and-insurance-consortium-power-landmark-lagos-flood-risk-insurance-initiative-in-partnership-with-lagos-state-government/",
      "publisher": {
       "name": null,
       "domain": "nairametrics.com",
       "classification": "not-classified"
      },
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       "retrievedAt": null,
       "status": "record-date-only"
      },
      "locator": {
       "type": "descriptive-source-note",
       "value": "Covers the public launch ceremony of 29 April 2026 — the same policy, not a second scheme — and adds Africa Re as lead technical reinsurance partner, which the March releases omit. This is also where the 'sub-Saharan Africa's first' framing originates; it is the outlet's and the consortium's wording, not an independently established fact.",
       "exact": false
      },
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     },
     {
      "id": "src-c691d8ba58ba6849",
      "title": "African Risk Capacity — first flood risk insurance product in Africa (Madagascar)",
      "url": "https://www.arc.int/news/african-risk-capacity-launches-first-flood-risk-insurance-product-africa",
      "publisher": {
       "name": null,
       "domain": "arc.int",
       "classification": "not-classified"
      },
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      "language": "und",
      "role": "background",
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       "dossierCreatedAt": "2026-08-22",
       "retrievedAt": null,
       "status": "record-date-only"
      },
      "locator": {
       "type": "descriptive-source-note",
       "value": "Used as a counterweight to the 'first in sub-Saharan Africa' claim: ARC Ltd wrote a sovereign parametric flood policy for Madagascar, signed January 2026, before Lagos. Lagos's defensible distinction is being sub-sovereign, at state rather than national level.",
       "exact": false
      },
      "preservation": {
       "archiveUrl": null,
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       "contentHash": null,
       "status": "not-captured"
      }
     },
     {
      "id": "src-70e5bdc452e96667",
      "title": "UNDP Nigeria — launch of the Flood Risk Insurance project (18 May 2023)",
      "url": "https://www.undp.org/nigeria/press-releases/lagos-state-government-undp-german-government-and-insurance-development-forum-launch-flood-risk-insurance-project-cover",
      "publisher": {
       "name": null,
       "domain": "undp.org",
       "classification": "not-classified"
      },
      "sourceType": "web-page",
      "language": "und",
      "role": "background",
      "claimRefs": [],
      "temporal": {
       "publishedAt": "2023-05-18",
       "updatedAt": null,
       "sourceCheckedAt": null,
       "recordLastVerifiedAt": "2026-07-26",
       "dossierCreatedAt": "2026-08-22",
       "retrievedAt": null,
       "status": "publication-and-record-dates-recorded"
      },
      "locator": {
       "type": "descriptive-source-note",
       "value": "Establishes that the work began with a kick-off workshop in May 2023 and that both rainfall and flood indices were originally on the table, which is how the eventual satellite-footprint trigger can be dated as a design choice rather than a given. Covers pluvial, fluvial and coastal flooding.",
       "exact": false
      },
      "preservation": {
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       "contentHash": null,
       "status": "not-captured"
      }
     },
     {
      "id": "src-0aaaea9dd72323e5",
      "title": "Insurance Development Forum — technical report on the Lagos State parametric flood scheme (public version)",
      "url": "https://www.insdevforum.org/wp-content/uploads/C5.25_TechnicalReport_ParametricFloodScheme_LagosState_PUBLIC_v2-1.pdf",
      "publisher": {
       "name": null,
       "domain": "insdevforum.org",
       "classification": "not-classified"
      },
      "sourceType": "pdf",
      "language": "und",
      "role": "claim-evidence",
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       "recordLastVerifiedAt": "2026-07-26",
       "dossierCreatedAt": "2026-08-22",
       "retrievedAt": null,
       "status": "record-date-only"
      },
      "locator": {
       "type": "descriptive-source-note",
       "value": "FETCH FAILED — the PDF returned an empty body over both http and https on 26 July 2026 and could not be read. Listed because it is the one public document likely to contain the index definition, payout ladder and basis-risk analysis; every claim in this entry is sourced without it, and a future check should retry it.",
       "exact": false
      },
      "preservation": {
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    "coverage": {
     "claimsTotal": 11,
     "claimsMapped": 11,
     "sourcesTotal": 10,
     "sourcesUsedByClaims": 8,
     "sourcesWithPublicationDate": 6,
     "sourcesWithArchive": 0,
     "sourcesWithExactLocator": 0,
     "sourcesWithContentHash": 0
    },
    "limits": [
     "Publisher names and source languages have not yet been classified; domains are recorded without guessing.",
     "Existing source notes are descriptive locators, not page- or paragraph-exact citations.",
     "A missing archive, publication date or content hash is shown as null rather than inferred.",
     "The project-level evidence grade ranks the strongest source in the entry; it is not a truth score for every claim."
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  }
 ]
}