Calls and drive-bysWith Windstorm Damage
Know where the damage is before you send the trucks.
Windstorm Damage grades every building in your storm footprint from very-high-resolution imagery, so the adjuster queue and the first reserves start from what the roofs look like.
- GSD
- ≤0.5 m (VHR)
- Cadence
- Event driven
- Platform
- VHR satellite / aerial
- Spectral
- RGB
When the queue follows the phone
The storm clears and the notices of loss start to come in. You have adjusters ready and no picture of the ground. The early queue follows who called first, plus drive-by reports and whatever photos policyholders send.
The streets with the worst roofs can be the ones that phone late. Trucks go where the calls are, and reserves get set from counts and an average.
The first deployment round, step by step
Who goes where first
Calls and drive-bysThe queue follows the order notices arrive, plus whatever the road reports say.
With Windstorm DamageAdjusters are sent to the severe-graded buildings first, with lighter grades queued behind them.
Knowing the extent of the footprint
Calls and drive-bysYou piece it together from the catastrophe bulletin, claim counts and drive-by reports.
With Windstorm DamageYou draw the footprint, and every building inside it gets a grade, whether or not the owner has called.
The first reserve
Calls and drive-bysA reserve comes from claim counts and an average, adjusted as adjusters report back.
With Windstorm DamageThe grades give you a spread of damage across the footprint to reserve against from day one.
Self-reported photos
Calls and drive-bysPolicyholders send phone photos of what they can reach, and the quality varies.
With Windstorm DamageEvery building is seen from above on the same imagery, before and after where pre-storm imagery exists.
Light and no-damage claims
Calls and drive-bysEach one waits its turn for a visit to confirm there is little to see.
With Windstorm DamageGrades of light or none let you queue those claims behind the severe ones.
The inspection and the decision
Calls and drive-bysThe adjuster inspects, scopes and decides the claim.
With Windstorm DamageThe adjuster does the same, with the grade as a starting point.
Still yours: The inspection, the scope, coverage, and every claim decision.
What arrives in your hands
- Five-tier scale
Per-building grade
One grade per structure, from no visible damage to severe. It answers "how bad does this roof look from above".
Ledger rowSelf-reported photos - Map layer
Storm footprint map
The graded buildings laid over the footprint you drew, so you can see where the severe grades cluster.
Ledger rowKnowing the extent of the footprint - CSV
Reserve-ready CSV
Grade and address per building, for loading into your claims system or joining to your policy list.
Ledger rowThe first reserve - Ranked list
Dispatch priority list
Severe grades first, for the people building the adjuster queue.
Ledger rowWho goes where first
How it works
You outline the footprint
Send the area the storm crossed, and the event date.
A clear pass is pulled or tasked
We take the nearest clear very-high-resolution pass over the footprint after the storm, satellite or aerial.
Each building is graded
Every building is classified on the five-tier scale and compared with pre-storm imagery where there is some.
You get the map and the file
A graded map and CSV come back within days of the storm.
Limits
- Clouds after the storm
- Optical imagery needs a clear pass. If the first one is cloudy we can task again, but we cannot promise same-day imagery.
- Resolution floor
- At 0.5 m a pixel is about 20 inches across. A missing section of roof cover, a tarp or a collapsed corner shows up. Individual shingles, cracked siding and broken windows do not.
- Exterior only
- Grades read the roof and the outline of the building. Interior loss, water damage and anything under the roof cannot be seen.
- A grade is triage
- It feeds reserving and dispatch. It is no final damage determination and no total-loss finding.
- Without pre-storm imagery
- Grading rests on the post-storm condition alone, and confidence is lower where a clear before image is missing.
Who it's for
Switch if
- You lead a catastrophe response team and set the adjuster queue after a windstorm
- You reserve early and want the spread of damage before the first adjuster reports back
- Your footprints are big enough that calls and drive-bys can't cover them fast
Stay with calls and drive-bys if
- You want a final damage determination or a total-loss finding
- You need interior or hidden damage assessed
- Your event is small enough to drive in a day
Questions before your first event
Is a grade a final damage determination?
No. It is a triage input for reserving and dispatch. The adjuster decides the claim.
What if the storm passes under cloud cover?
Optical imagery needs a clear pass. If the first one is cloudy we can task again, but we can't promise same-day imagery.
What resolution do you use?
0.5 m or finer. That is enough to grade roof-level damage and not enough to see cracked siding or loss inside.
Do you need pre-storm imagery?
It raises confidence when we have it. Without it, grading uses the post-storm condition alone.
How many tiers does the scale have?
Five, from no visible damage to severe.
How do we check the grades against our own adjusters?
Ask us about a storm you've already worked. Send the footprint and the date, and compare the grades with what your adjusters found.
Will it load into our claims system?
The CSV carries grade and address, and it joins to your policy list. We don't write into your claims system.
Who owns the imagery and the results?
Ownership and licence terms are agreed in writing when you get started. If your legal team needs them earlier, ask.
How is it bought and priced?
We don't publish a price. Tell us how you run events and we'll talk through scope and cost.
Have your storm footprint ready before the next event.
Ask us about a footprint from a storm you've worked, and compare the grades with what your adjusters found.