What kind of disasters does Cotality track?

We cover all the big ones—hurricanes, wildfires, floods, earthquakes—as well as smaller but still costly events like hail, windstorms, and severe convective storms. If it can damage property, we're on it.

Who uses Cotality's data and why?

Our insights help insurers, lenders, restoration companies, and government organizations make faster, smarter decisions when disasters strike. They rely on us to spot risk early, plan responses, and understand impact.

Does Cotality forecast disasters?

We're not in the business of predicting the weather, but we do tap into weather forecasts to estimate potential losses. For events like hurricanes where there's some lead time, we can give an early read on what might happen.

What are insured losses? How is that different from total loss?

We estimate damage to property. Insured losses are those that Property & Casualty insurance industry are expected to pay, including damage above the deductibles and below limits. Uninsured losses is the rest.

What is Reconstruction Cost Value (RCV), in insurance, and is it the same as home's market value?

No, RCV is the estimated cost to rebuild (including material and labor) the home in the event of a total loss. A home's value include neighborhood characteristics, geography, and market forcings.

Hazard HQ Command Central™

Unexpected epicenter: Why New York tops the hurricane risk list

About Hazard HQ Command Central™

Welcome to Hazard HQ Command Central™, Cotality’s one-stop-shop for information, data, and insights on global natural disasters. Natural disasters play a pronounced role in the changing nature of the insurance, real estate, and mortgage lending markets. Catastrophes such as hurricanes, earthquakes, wildfires, floods, and severe thunderstorms ultimately affect all parties involved in property-related decisions, from the banks to individual homeowners.

Hazard HQ Command Central™ provides updates on the impacts of natural disasters across the globe, including detailed event summaries with insights from our team of meteorologists, seismologists, engineers, and industry professionals as well as the financial impacts to property.

For any for information, questions, or media inquiries, please email newsmedia@cotality.com

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