Eliminate hidden volatility in hurricane risk portfolios
Coastal underwriting is measured in feet, not miles. Relying on neighborhood averages leaves your portfolio exposed. Transform your strategy with high-fidelity risk data that identifies resilient properties and accurately prices risk for any coastal location.

Master the physics of wind for accurate pricing
Deploy granular wind hazard scores that go beyond territory averages. Cotality analyzes tornadic, straight-line, and hurricane-force wind events using proprietary verification technology. This probabilistic approach ensures every policy is priced with scientific precision.

Precision meteorological & geographic analytics for resilient coastal underwriting
Cotality’s specialized product modules transform complex climate and spatial data into actionable, property-level underwriting intelligence. By isolating discrete atmospheric and geographic risk vectors, these tools empower carriers to price exposure with absolute certainty.
Wind-Borne Debris
Wind Pool
Wind Risk Score
Wind Resiliency
Coastal Distance

FAQ
How can insurers protect capital from massive hurricane losses?
Yes. Cotality eliminates portfolio ambiguity by moving beyond broad regional averages. We deliver highly confident, asset-level risk resolution, calculating exact exposure for isolated properties and complex commercial assets nestled directly within dense, high-risk urban coastal concentrations.
Can the model calculate precise risk in dense coastal areas?
Yes. Cotality eliminates portfolio ambiguity by moving beyond broad regional averages. We deliver highly confident, asset-level risk resolution, calculating exact exposure for isolated properties and complex commercial assets nestled directly within dense, high-risk urban coastal concentrations.
How does Cotality accurately predict hurricane wind damage?
Our platform utilizes advanced, high-fidelity wind field modeling integrated with specialized boundary layer algorithms. This methodology generates continuous 10-meter sustained wind estimates, guaranteeing highly localized, accurate damage assessments across complex topographies and coastal terrains.
Does Cotality's hurricane data integrate into existing underwriting workflows?
Wind Field Modeling, Boundary Layer Algorithms, 10-Meter Sustained WindDoes Cotality's hurricane data integrate into existing underwriting workflows?Yes. The cloud-native Navigate™ platform guarantees seamless interoperability. By leveraging standardized data inputs and secure RESTful APIs, underwriting teams can deploy scalable, real-time catastrophe risk outputs directly into existing policy administration and quoting systems.
Does Cotality offer risk modeling for offshore energy platforms?
Yes. Cotality features a dedicated Gulf of Mexico offshore energy risk module. This utilizes advanced hydrodynamic wave modeling and vulnerability assessments tailored strictly to the unique physical hazards and complex financial contracts of the offshore energy sector.
How do insurers contact Cotality for sales or support?
Enterprise buyers can utilize our dedicated contact form or call our enterprise sales line during standard operating hours. Existing users can access deep-linked technical documentation and dedicated engineering assistance directly via our product support portal.
How can we help you?
Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.
Trying to reach us by phone?
Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.
Looking for support?
Visit our dedicated support page to find support for all our products.