Hail Intelligence
Understand the past, present, and future of property-specific hail risk
Across the country, hail claims are increasing in both frequency and severity. Hail-related property losses result in over 500,000 home insurance claims each year and the industry surpassed $20 billion in losses. In an effort to combat this, current tools often rely on incomplete or inaccurate user-submitted information.
The enhanced CAPE® Hail Intelligence suite provides a 360-degree assessment of hail risk by combining forensic weather history and present imagery analytics to accurately determine future risk.
Hail Solutions
It’s Time to Get Granular on Hail
- 01 Harness a new, holistic view of hail risk with the industry’s first property-specific suite of hail ratings
- 02 Underwrite and price with greater confidence in hail-prone areas
- 03 Benchmark and right-size your regional exposure to hail
- 04 Predict future loss frequency and severity by understanding recent experience and current property characteristics
Benefits
Property-specific insights support better decision-making in hail-prone states. Drive refined rate segmentation by identifying roofs with an increased likelihood of severe hail claims.
Get a handle on roof elements that result in higher replacement costs, such as increased complexity.
Avoid paying for another carrier’s claims by capturing roof condition issues, susceptibility to hail, and likelihood of recent hail damage at the point of underwriting.
A Deeper Look
Leverage CAPE’s holistic suite of hail risk ratings or loss-predictive attributes
CAPE Hail: Overall Risk Rating
An overall assessment of a property’s risk to hail by combining vulnerability and forensic weather analytics
CAPE Hail: Vulnerability Rating
A view of a property’s susceptibility to hail damage that considers factors like structure footprint, roof condition, material, and more
CAPE Hail: Experience Rating
The likelihood that a property has experienced recent, unseen hail damage to its roof
CAPE Hail: Loss Severity Rating
The potential severity of a future claim based on property-level characteristics
Regional
Hazard
Condition
Material
Complexity
Footprint
Geometry
Carriers can now attain unprecedented segmentation in hail-prone geographies for better underwriting and pricing:
Home 01
Hail Hazard:
High Risk
Hail Vulnerability:
Medium Risk
Key Factors:
Roof Complexity
Structure Footprint
Roof Material
Roof Complexity: Simple
Roof Condition: Good
Structure Footprint: 2,410 SF
Roof Material: Shingle
Roof Geometry: Gable
Prior Hail Experience:
1 Storm, <1.25″ Max Hail Size
Expected Loss Severity:
$1 – $4,999
Home 02
Hail Hazard:
High Risk
Hail Vulnerability:
Very High Risk
Key Factors:
Roof Complexity
Structure Footprint
Roof Material
Roof Complexity: Complex
Roof Condition: Fair
Structure Footprint: 4,230 SF
Roof Material: Shingle
Roof Geometry: Hip
Prior Hail Experience:
1 Storm, <1.25″ Max Hail Size
Expected Loss Severity:
$15,000 – $24,999
CAPE Hail Roof Damage Rating helps optimize adjusting expense and improve customer experience by identifying high-probability hail claims for automated payout.
Co-created with Canopy Weather, CAPE’s pre-storm property vulnerability data and Canopy’s post-storm forensic damage data produce hail damage insights within hours of a storm.
Benefits
Carriers experience a surge of claims following storms that adjusting teams struggle to handle. Adjuster expenses increase and contractors often have undue influence on the homeowner. Hail Roof Damage Rating can help reduce expenses by identifying claims that are suitable for automated payout.
When adjusting teams get overwhelmed, delays can mount. Identifying high confidence claims suitable for immediate payout makes for happier policyholders and eliminates contractors being first to the kitchen table.
A Deeper Look
Hail Roof Damage Rating instantly validates claims for faster or even automatic payout, increasing policyholders’ satisfaction and reducing loss adjustment expenses. Our sophisticated AI model can differentiate between legitimate claims versus those needing adjuster inspection.
Hail Roof Damage Rating is a five-point score that indicates the likelihood of a roof having hail damage following a storm. The score is powered by CAPE’s machine-learning model that blends next-generation weather analytics with imagery-derived roof characteristics to produce faster, more accurate damage insights.
Home 01
Hail Roof Damage Rating:
4
Fast Track?
No
Key Factors:
Hail Size
Roof Complexity
Structure Footprint
Roof Condition
Hail Size: Large
Roof Complexity: Simple
Roof Condition: Good
Structure Footprint: 2,410 SF
Roof Material: Shingle
Roof Geometry: Gable
Home 02
Hail Roof Damage Rating:
1
Fast Track?
Yes
Key Factors:
Hail Size
Roof Complexity
Structure Footprint
Roof Condition
Hail Size: Large
Roof Complexity: Complex
Roof Condition: Fair
Structure Footprint: 4,230 SF
Roof Material: Shingle
Roof Geometry: Hip
Read Our Latest Hail Insights: