Underwriting and Rating

Hail Risk Assessment

Property-level hail risk score that translate localized hail behavior and structural susceptibility into clearer risk segmentation and pricing alignment.

Evolving hail patterns require smarter risk evaluation

Hail activity is becoming more geographically dynamic, extending beyond historically concentrated regions and challenging risk strategies built solely on past exposure patterns.

Hail exposure meets structural vulnerability

Hail risk is fundamentally event driven. Storm frequency and intensity determine how often properties are exposed to severe hail. But exposure alone doesn’t explain loss outcomes. Structural and surrounding property characteristics influence how hail impact translates into damage severity—shaping how individual properties respond to similar scenarios.

Hail exposure meets structural vulnerability

Informed decisions, simplified

LOCATION^® Hail helps insurers identify elevated hail risk earlier and manage volatility more precisely across underwriting, pricing, and portfolio strategy.

Differentiate hail risk at the property level

Segment properties that are merely exposed to hail from those more likely to translate hail activity into loss – reducing hidden vulnerability within the book.

Strengthen pricing alignment

Incorporate integrated property-level hail risk differentiation into rating strategies to better align rate with true hail risk.

Anticipate severity amplification

Identify properties where structural and surrounding characteristics may amplify hail impact into higher damage severity.

Distinguish long-term exposure from recent impact

Evaluate both historical frequency patterns and recent severe hail activity to understand accumulation and emerging risk shifts.

Improve portfolio stability in hail-prone regions

Translate storm patterns and property susceptibility into clearer risk differentiation, helping reduce unexpected performance swings in hail-exposed areas.

Features and capabilities

As part of Verisk’s LOCATION suite, LOCATION Hail translates complex hail exposure dynamics and structural susceptibility into a clear, property-level hail risk score to support underwriting, pricing, and portfolio management.

A single, integrated hail risk score

A property-level hail risk score from 1 (lowest relative risk) to 100 (highest relative risk) enables differentiation by capturing how hail exposure and structural susceptibility interact.

Event-based hail indices

A Hail Exposure Index identifies where damaging hail is most likely to occur, and a Hail Damage Index highlights areas that have recently experience severe hail events.

Explainable risk insights

Attribute-level visibility into the drivers of hail risk, supporting transparency, interpretation, and confident decisions.

LOCATION Hail is built on Verisk’s proprietary roof and property intelligence and informed by historical hail loss experience.

Related resources

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