Most of the work happens
before the wind arrives.

A message sent to the contacts on your schedule when a forecast puts your cell on a path to cross a tier. It carries the cell, the forecast reading, your strike and a short list of what other operators usually do. In the demo storm, 214 policyholders were alerted 36 hours before landfall.

It never changes a payment. It can lower your next premium: two logged actions in a policy year take 8 % off the renewal, whether the storm hit or not. Ignoring an alert never raises a premium. The alert is included in every policy because a payment helps less than a loss that did not happen.

It depends on the peril. A named storm can be seen about 36 hours ahead, a river flood up to 72, a heat wave around seven days, a delayed flight a few hours, and an earthquake not at all. For earthquakes the notice follows the event within minutes and carries the checklist for the first hour.

We replay ten to thirty years of readings for your cell against the strike and exit you choose, count how often each tier would have paid, and add our costs and a margin for capital. A lower strike pays more often and costs more. The quote shows the tier frequencies, so you can see what you are paying for.