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Insurance verified Verified Outcome TRL 9

Kinetic Hail Sensing for Auto Dealers

domain Client: Major Auto Dealerships handshake Provider: Understory schedule Deploy: 2019-Present
91 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Parametric insurance for auto dealer lots triggered by on-site weather stations that measure the precise kinetic energy of hailstones, covering the deductible gap left by traditional policies.

rate_review Analyst Verdict

"Perfect application of parametric triggers for a high-value, concentrated risk. Solves the specific pain point of 'aggregate deductibles' which can bankrupt dealerships during storm seasons."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Auto dealerships store millions of dollars of inventory outdoors. Hailstorms cause catastrophic damage, but traditional insurance has become expensive with massive deductibles (often per vehicle or high aggregate limits). Dealers faced the risk of paying hundreds of thousands in deductibles before insurance kicked in, threatening their working capital.

psychology The Solution

Deployed 'Dot' weather sensors on the dealership roof. These solid-state sensors measure hail size, impact force, and angle—capturing 125,000 measurements per second. The insurance policy is parametric: if the sensor detects hail above a certain size/force threshold, it triggers a payout within weeks to cover the deductible or non-insured costs. No need to count dents on every car manually to trigger the initial cash flow.

settings_suggest Technical & Deployment Specs

Integrations
Parametric Platform
Deployment Model
Hardware + Financial Product
Data Classification
Weather Data
Estimated TCO / ROI
Premium
POC Summary (2019 to 2020)

"Expanded from pilot to 5+ states."

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Basis Risk (Micro-climate) Low Sensor located directly on property.
Hardware Failure Low Solar powered, durable design.

trending_up Impact Trajectory

Audited value realization curve

Payouts in 1-2 weeks vs months Verified Outcome
Primary KPIGranular 'ground truth' weather data
Audit CycleElimination of disputes over hail size

policy Compliance & Gov

  • Standards: State Insurance Regs
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Weather Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Major Auto Dealerships without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-560
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-560

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