For Insurance Carriers
Property-level storm-history records cited from public-record government feeds — NOAA Storm Events, NCEP MRMS, NEXRAD MESH, NWS warning polygons, SPC Local Storm Reports, and CoCoRaHS. Built for the claims VP, the SIU director, and the underwriting lead who need an answer the carrier can stand behind.
§I.1
Date-of-loss verification
Did meaningful hail (≥0.75″) occur within the loss window at this property's coordinates? HailScore answers in a single API call, cited from NOAA Storm Events records, NCEP MRMS magnitude estimates, and intersected NWS warning polygons. The response carries a ±45-day date-of-loss verification framing suited to early-stage triage and second-look review. Documented in §6.2 of the public methodology.
§I.2
Anomaly and cluster pattern detection
When claim frequency or estimated severity within a geography deviates from the underlying storm footprint, the gap is investigable. HailScore surfaces the radar-derived swath polygon against the claim cluster geometry on a single map, with NEXRAD MESH magnitudes per event. Useful for SIU triage and litigation-discovery dossier construction.
§I.3
Renewal exposure scoring
Address-by-address storm exposure across the eleven-year NEXRAD record. The score is contextual; the event-by-event records — date, size estimate, distance from coordinates, publisher source ID — are what go into the portfolio analytics file. Bulk-verify supported via API for in-force book sweeps.
The score is contextual. The cited records are what carries evidentiary weight. Four operating principles that govern every property report:
The full HailScore™ methodology white paper, version v6, is published at /methodology. Disclosable to opposing counsel, reinsurance partners, and academic reviewers without redaction.
Every event row in a property report carries the originating publisher identifier: NOAA Storm Events narrative number, NEXRAD radar station code, NWS warning polygon ID, MRMS product code, or SPC Local Storm Report identifier. Independently verifiable against the public-record source.
Scoring weights, distance-decay curves, recency half-lives, and roof-material multipliers are documented in §6 of the methodology. Calibration cohorts, decision dates, and validation samples are timestamped. The v6 calibration as documented has remained stable since February 24, 2026.
What HailScore does not model — and what the score is not intended to support — is published in §8 of the methodology. Honest scope statement, not a marketing one. The score is contextual; underlying cited records are the load-bearing evidence.
GET /v1/property/verify response
$ curl -H "Authorization: Bearer hsk_live_••••••••" \
"https://api.myhailscore.com/v1/property/verify" \
--data-urlencode "address=1847 Elmwood Drive, Aurora, CO 80012" \
--data-urlencode "date_of_loss=2024-06-19"
HTTP/1.1 200 OK
Content-Type: application/json
{
"property": {
"address": "1847 Elmwood Drive, Aurora, CO 80012",
"lat": 39.7392,
"lon": -104.7825,
"geocoded_by": "mapbox"
},
"date_of_loss": "2024-06-19",
"verification_window_days": 45,
"score": 71,
"tier": "high",
"events": [
{
"occurred_at": "2024-06-19T21:47:00Z",
"size_in": 2.25,
"distance_mi": 0.3,
"bearing": "NE",
"sources": [
{ "publisher": "NOAA_SED",
"record_id": "174532-1056981",
"url": "https://www.ncdc.noaa.gov/stormevents/eventdetails.jsp?id=1056981" },
{ "publisher": "MRMS_MESH",
"product": "MESH-MAX-1440min",
"timestamp": "2024-06-19T21:47:00Z" },
{ "publisher": "NWS_WARNING",
"vtec": "/O.NEW.KBOU.SV.W.0142.240619T2138Z-240619T2230Z/",
"polygon_id": "DEN.SV.W.0142" }
]
}
],
"methodology": "https://www.myhailscore.com/methodology",
"methodology_version": "v6",
"generated_at": "2026-05-21T15:33:42Z"
}Sample response. Each entry in sources is independently verifiable against the original publisher. Full OpenAPI specification published at /api/v1/openapi.json. Bulk-verify and portfolio-sweep endpoints available under the Production Claims and Enterprise tiers.
Tier 1 · 90-Day Pilot
Single line-of-business or single-region scope. Direct integration support from the methodology author. Fee waived if no measurable value is delivered by day 90, evaluated against carrier-defined metrics. Designed for organizations that need to see the data working against their own claims set before contracting at scale.
Tier 2 · Production Claims
Annual subscription. Scoped to claim volume and integration depth. Bulk-verify API, claims-system integration, audit log of every property pulled, SLA terms. Includes quarterly methodology consultation and priority routing on validation questions.
Tier 3 · Enterprise Multi-LOB
Claims operations, SIU, and underwriting across multiple lines of business or subsidiary carriers. Custom feed-level integrations, dedicated environment, on-call methodology consultation, joint validation against carrier-held historical cohorts.
All tiers include the public methodology, audit log of every property pulled, and direct access to the methodology author for validation questions. No SDR queue.
Direct line to the founder and methodology author.
No SDR queue, no enterprise sales theater.
─── Data integrity
NOAA Storm Events Database · NCEP MRMS · NEXRAD SWDI · SPC Local Storm Reports · NWS Active Alerts · CoCoRaHS
All data sources are public-record. No proprietary, unattributed, or unverifiable data is incorporated into the HailScore methodology. Source identifiers are surfaced on every event in every property report. Full methodology and source schemas at /methodology.