Hail Risk Assessment
Hail Risk Score | Hail Damage Score
Hail could hit your bottom line in the future—or from the past
Managing hail risk encompasses the damage it can do, and hidden damage it may have already done. Get your arms around this peril with tools that help track its destructive path across time and location.
Hail claims has the wrong date of loss1
About half of such claims were made after the hailstorm passed1
U.S. properties were affected by one or more damaging hail events in 20212
Ice, Fire, Wind, and Water
This report examines recent activity, trends, and data-driven tools to help insurers and communities better measure and mitigate risk surrounding three especially destructive categories of hazards: Hail and severe thunderstorms, wildfires, and hurricanes.
Data-fueled underwriting
Data-fueled underwriting
Hail patterns are changing, and damage claims can be slow to emerge. But hail risk can be manageable for insurers using deep data resources—going beyond claims to incorporate hidden historical damage and evolving climatological trends.
Help identify past hail damage – and the risk of more to come:
Hail Damage Score®
Use granular hail size and intensity information to assess the potential for pre-existing hail damage to a property.
Hail Risk Score®
See the likelihood of future hail damage at a specific property over the short to medium term.
Informed decision-making, simplified
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Identify emerging hail exposures
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Help you prioritize ordering inspections, loss history, or follow-up with property owners at quote and renewal
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Strengthen automated decision-making for risk selection
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Use robust data to help flag potential pre-existing hail damage
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Gain insights into hail trends to develop forward-looking strategies as you grow your book
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Develop risk and exposure appetites based on scientifically grounded data
Key perils to watch
Natural hazards are increasing in frequency and severity. Insurers should ask themselves three key questions while managing peril risk across:
- Hail and severe thunderstorm
- Wildfire
- Hurricane, flooding, and storm surge
Complementary solutions
Additional insights
Severe thunderstorms and hail: Concentrated events that pack a punch
Severe thunderstorms are a common natural phenomenon in the US, causing more than half of annual reported insured losses since 1985.
Read the article
What’s going on with fire? Taking measure of a growing peril
Verisk works with fire protection, scientific, and insurance community to provide technology to manage and mitigate wildfire risk.
Read the article
Mastering the many aspects of roof condition with multisource data
Homeowners insurers may struggle to capture roof condition, but imagery analytics can help assess risk and opportunities for mitigation.
Read the article- Xactware, a Verisk business
- Verisk estimates