Mastering severe convective storm volatility
Tornadoes, hail, and straight-line winds drive billions in annual losses across the U.S.—yet their volatility makes them one of the hardest perils to model. As these events become more frequent and severe, insurers need precise, science-driven tools to keep pace with changing risk and protect exposed portfolios.
Quantify certainty in convective risk
Master the financial impact of hail, tornadoes, and wind with high-fidelity modelling. By integrating weather forensics and PhD-refined hazard data, we deliver precise AAL and PML metrics across entire portfolios. Align technical pricing with real-world storm behavior to protect solvency and drive technical profit.
110.50%
The net combined ratio for homeowners in 2023 driven by SCS—a threshold that signals structural unprofitability for carriers using legacy models
$50B
Annual insured losses from SCS events alone, transforming what was once a secondary peril into the primary driver of capital erosion
$17.8T
Total reconstruction cost value for U.S. properties exposed to moderate or greater hail risk, representing a staggering concentration of vulnerable capital.
Engineering resilience for an era of volatility
Sharper risk alignment
Eliminate the discrepancy between models and reality. Deploy granular modelling that captures the distinct physics of hail, tornadoes, and wind to anchor underwriting in actual loss potential rather than historical averages
Forensic data integration
Move beyond observation to interrogation. Leverage proprietary forensic hail and wind data to reconstruct past events and decode emerging volatility trends before they impact your solvency
High-performance execution at scale
Navigate massive portfolios without latency. Our engine delivers high-fidelity output at the speed of the market, enabling rapid risk selection and the efficient execution of complex risk transfer strategies
US Severe Convective Storm Model
Built for today’s storms. Calibrated for tomorrow’s risk.
The Cotality SCS Cat Model delivers real-world clarity—aligning to actual loss trends with forensic hail and wind data. It helps you pinpoint exposure, sharpen risk decisions, and build smarter, more efficient strategies for storm-driven loss.
How can we help you?
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