Weather verification for insurance claims
Claims turn on whether a covered weather event happened at the insured location, when it happened, and how severe it was there, not at an airport 20 miles away. Climaverse produces site-specific weather reports that combine station observations, Doppler radar, satellite, and storm reports to answer those questions for a single address or an entire portfolio.
Date of loss verification
Disputed or unknown dates of loss are common in hail and wind claims, especially when damage is discovered months later. Dr. Banks reviews the full weather history at the property for the policy period and identifies which dates, if any, produced hail or wind capable of causing the reported damage, along with the evidence for each.
Insurance weather services
- Hail verification. Whether hail fell at the property, likely hail size, and timing, using radar-derived hail products, storm reports, and observations.
- Wind verification. Estimated peak gusts and sustained winds at the site from thunderstorms, derechos, tornadoes, and tropical cyclones.
- Hurricane wind versus water. Sequencing of damaging winds, storm surge, and rainfall flooding to support causation and coverage analysis.
- Freeze and winter storm events. Temperature history, duration below freezing, and snow or ice loading for pipe-burst and roof-collapse claims.
- Lightning verification. Lightning strike data near the property for fire and electrical surge claims.
- Heavy rainfall and flooding. Rainfall totals and intensity at the site compared with historical return periods.
- Subrogation, appraisal, and litigation. Reports that hold up in appraisal, umpire proceedings, and court, with testimony when needed.
- Portfolio and catastrophe analysis. Event footprints and historical hazard analysis across many locations for carriers and risk managers.
Certified weather records
Government weather records can be certified by NOAA’s National Centers for Environmental Information for use as evidence. Climaverse obtains certified records where they help, and pairs them with expert interpretation, because raw observations from the nearest station rarely describe conditions at the loss location by themselves.
Frequently asked questions
Can you tell me the date of loss for a hail claim?
Often, yes. By reviewing radar-derived hail data, storm reports, and observations across the policy period, a forensic meteorologist can identify which dates produced hail at the property and estimate the size, and can also say when no damaging hail occurred.
How accurate are weather estimates at a specific address?
It depends on the event and the data available. Radar coverage, station distance, and storm structure all affect certainty. Every Climaverse report states the uncertainty and the basis for it rather than giving a single number without context.
Do you handle claims outside California?
Yes. Climaverse handles claims across the United States and internationally. All core data sources are national or global.
How quickly can you deliver a weather report?
Turnaround depends on scope. A single-location verification is typically much faster than a multi-event litigation report. Share your deadline when you call so the schedule can be planned around it.