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Predict & Prevent Hail Losses with

Hail Risk Insights

Hail damage is one of the main drivers for roof replacement. Researchers anticipate fewer hail days but significantly higher damage potential in the traditional hail alley states in the near future1.

Hail Risk Insights stats image_AdobeStock_447810710

Hail is one of the most common causes of roof damage

$14.2 billion

Hail insurance losses in 20202

667

Hail events in Texas yearly on average3

$12,000

Average homeowner hail claims in 20214


Insurance companies need comprehensive hail insights that include BOTH property-level vulnerability and regional/local hazard exposure to predict and prevent future roof claims.

With accurate claims predictions, insurers can confidently underwrite and price policies while minimizing disruption to families, businesses, and communities.

Hazard X Vulnerability:

Capturing the Full Picture of Hail Risk

Enhanced Hail Score

We partner with HazardHub, a Guidewire Analytics product, to provide regional/local hail hazard data. This score is designed to predict the probability of a hail event happening at a specific property, based on historical data and geospatial modeling, including the number of damaging events in the last 20 years within 25 miles, and the nearest event – the year, size, and distance from a property, etc.  

This score is one of the strongest and most precise indicators of hail hazard. 

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Hail Risk Insight_Betterview detections

Our computer vision detects a large area of stains on this property in Texas. Roof staining is a key vulnerability to hail damage.

Hail Vulnerability Score

Our industry-leading computer vision analyzes aerial imagery and detects property-level vulnerabilities. We then match these detections with historical hail claims to identify factors that led to hail losses, such as roof staining, roof material, and missing shingles.

The Betterview Hail Vulnerability Score is the most transparent and actionable indicator of hail vulnerability of residential and commercial properties.

All-inclusive Hail Claim Predictor

Combining the HazardHub Enhanced Hail Score and the Betterview Hail Vulnerability Score, the Hail Claim Predictor is a single, transparent, and actionable predictor of overall hail claims risk.

  • Optimize risk selection & rate segmentation - writing profitable business even in hail-prone areas
  • Automate your underwriting decisions and workflow - single, easy-to-understand predictor -  available in the Guidewire core system and Betterview
  • Build stronger customer relationships and minimize disruptions to their lives – proactively communicate with your customers about their property’s hail vulnerability and recommend mitigation steps

Our study shows that the all-inclusive Hail Claim Predictor is highly predictive of future hail claims. Properties we score as extremely high hail claim risk have 3.14X the incidence of hail claims when compared to the entire sample. 

Guidewire's HazardHub Enhanced Hail Score, the Betterview Hail Vulnerability Score, and the all-inclusive Hail Claim Predictor are available through API and in our Property Intelligence & Risk Management platform. 


Talk to us now to experience the power of Hail Claim Predictor,

and its advantages over traditional hail risk solutions

There are many traditional hail risk solutions out there

  • No property-specific vulnerability
    (Primarily on regional/local peril)
  • Limited transparent & actionable vulnerability data
  • No all-inclusive, easy-to-understand score
  • Do not simplify underwriting workflows
    (Focus primarily on claims but not underwriting)