Master SCS exposure with risk scores
Severe convective storm losses continue to surge. By replacing outdated regional averages with property-level hazard risk scores, underwriters can accurately quantify hail, wind, and lightning exposure to protect balance sheets.
Transform underwriting with risk scores
Property insurance underwriters face severe convective storms rivaling hurricane losses. Cotality provides granular, high-fidelity hazard risk scores to evaluate hail size, wind, and lightning frequency at specific property locations.
Precision risk scores for severe storm risk
Cotality Hail™
Accurate property-level hail risk assessments powered by actuariallycredible, Average Annual Loss (AAL) metrics for precise underwriting and riskmitigation.
Hail risk score
Delivers property-level annual event probabilities and includes a Supplemental Hail Claim Risk Score to forecast claim filing likelihood with high-fidelity precision.
Wind resiliency score
Predictive solution evaluating catastrophic hurricaneand convective wind impacts at the property level to generate precise frequencyand severity ratings.
Hail Insight®
Provides a precise three-year look back at historical hail activity, identifying exact event occurrences and stone size distributions using proprietary hail verification technology.
Wind risk score
Features distinct 1–100 scores for tornadic, straight-line, and hurricane-force winds using high-resolution historical windstorm observations and verification data.
Lightning risk score
Evaluates recorded lightning strike frequency and strike density to help insurers accurately assess sub-peril exposure and refine policy pricing.
Address-level severe storm risk scoring
Severe Convective Storms no longer represent localized events, they are primary drivers of portfolio loss. Cotality equips underwriters, actuaries, and risk managers with granular, location-level risk scores that eliminate guesswork and strengthen risk selection. By leveraging high-fidelity weather verification and property-specific hazard scores, carriers can confidently screen submission quality, price volatile perils accurately, and manage aggregate exposure across expanding geographic footprints.
FAQ
How do property-level SCS risk scores protect underwriting margins compared to regional averages?
How can exposure leaders leverage property-level risk scores to prevent catastrophic accumulation?
How do property-level risk scores support actuarial teams in building defensible rate structures?
What scientific data validates the accuracy and fidelity of these SCS risk scores?
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.