At FNOL or during claims investigation, capture the insured property's address and the reported date of loss; geocode the address to lat/lon coordinates.
Submit a weather verification request to a weather data vendor (e.g., CoreLogic Weather Verisk, Tomorrow.io, or The Weather Company — consult the vendor's developer portal for API endpoint and auth details) with the property coordinates and date of loss.
Receive the weather report for that location and date: key data points include peak wind gust, hail stone size and duration, tornado proximity, and overall storm severity rating.
Compare the weather data against the claimed damage type: hail-reported claims with no hail detected at the location on the claimed date are candidates for further investigation; wind claims with sub-threshold wind speeds warrant adjuster follow-up.
Attach the weather verification report to the claim record as supporting documentation; flag claims where the reported weather data is inconsistent with the claimed damage for SIU review or field inspection.
Document the weather verification step in the claim file with report date, data provider, and findings to satisfy regulatory and litigation requirements.
Known gotchas
Weather data from commercial vendors uses interpolation and radar analysis — coverage is not uniform at very granular scales, and a property a few blocks from a verified hail cell may show no hail in the data even if hail fell there; use weather data as an investigative tool, not a sole basis for denial.
Date-of-loss reporting by insureds is often approximate; an insured who reports a loss 'sometime last week' may have a valid claim even if the specific date entered in the system shows no weather event — always check a date range around the reported loss date.
Some weather verification vendor APIs return data in proprietary formats or require carrier-specific data agreements; do not assume a single vendor's data model is portable across providers.
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