What each hazard measures

Hail

The estimated largest hailstone at the property, from radar. Over a date range, the worst single day.

Precipitation

Total water. Snow counts as its melted equivalent, so 10 in of snow reads as roughly 1 in here.

Snowfall

Actual snow depth. Pick this one when the question is plowing or roof load.

Wind

The peak gust at the nearest airport weather station running that day. Its distance is always shown. An NWS storm report inside your radius with a higher gust replaces it.

Radar estimates show exposure, not proof of damage. A flagged roof still needs a physical inspection, and an unflagged one is not guaranteed undamaged.

How ranked exposure works

Each property is ranked by its worst selected hazard, so a calm reading on one hazard never buries a severe reading on another. Over a range, hail is the worst single day; precipitation and snowfall are totals.

Storm reports

NWS storm reports within the distance you set are listed with the property. A nearby wind report can raise the wind reading above the airport station's. The default is 1.25 miles.

Dates and coverage

Radar data starts on Oct 14, 2020, where NOAA's supported archive begins. Earlier dates are refused rather than shown as calm. Coverage is the lower 48 states. Each hazard you select is another radar grid per day, so a long range with several hazards takes longer the first time; repeat lookups are cached and fast.

Individual days

On an address lookup, "Show individual days" lists every day in the range with each hazard's value and that day's high and low temperature. Days that reached one of your thresholds are highlighted. The range can be up to 60 days with the option on; without it, a lookup can cover about three years, and its CSV download always has every day.

The high and low come from the nearest weather station running that day, for the calendar day from midnight to midnight local time, as official climate records count it. The other values use the storm day described below.

When a day starts

A storm day runs from early morning to early morning: 8 AM Eastern, 7 AM Central, 6 AM Mountain and 5 AM Pacific in summer, an hour earlier in winter; 4 AM in Alaska (3 AM in winter) and 2 AM in Hawaii. That is 12:00 to 12:00 UTC, the boundary of NOAA's daily radar products, so an evening storm falls within a single day wherever the property is.

Other times you see, such as the date printed on a report, use your company's time zone. An administrator can change it on the Account page.

Advanced radar window

A storm day runs 12:00 UTC to 12:00 UTC. The advanced options on the ranked exposure form change which hour the hail window is centered on and how many radar files are combined. Leave them alone unless you know you need them.

Addresses

Street, city and state are enough to locate most addresses; zip is optional. An address that can't be located, such as a new-construction site, can still be saved and pinpointed later. Changing an address locates it again.

Groups and who sees them

Each address belongs to one group. Deleting a group leaves its addresses ungrouped. Restricting a group hides it and its addresses from everyone except the people you pick. Admins always see every group.

Daily reports

A group's daily report runs at the hour you choose and emails only when a property crossed one of your thresholds; quiet days send nothing. Only people who can see the group can receive it. If nobody is ticked, it goes to whoever created the group.

Properties and billing

Each distinct location your account uses in a period counts once, whether it is a saved address or a one-off lookup. Looking the same place up again is free, and two addresses within about 30 feet of each other count as one. A period runs from your start date to the same date the next month. Deleting an address doesn't lower the count until the next period starts.

On the Billing page, administrators choose what happens past the limit: stop new properties until the limit is raised, or keep working and pay for the extra. Properties already counted, and their daily reports, always keep working. An administrator gets an email at 90% of the limit.