Question 1

What is SPEAR Index v2.0?

Accepted Answer

SPEAR Index v2.0 is an advanced physics-based hail damage prediction system that uses wind-driven trajectory analysis, CAPE-based density calculations, and terminal velocity predictions to accurately assess hail damage probability across 13 different roofing materials. It's Federal Rule 702 compliant for use in legal proceedings.

Question 2

How does HailTruth detect insurance fraud?

Accepted Answer

HailTruth uses AI-powered date-of-loss forensics to detect suspicious claim patterns including statute gaming (filing claims close to 2-year deadlines), date-of-loss discrepancies (claims filed when no hail event occurred), and unclaimed damage accumulation. The system accounts for roof age to prevent false positives.

Question 3

What is the ROI for insurance carriers?

Accepted Answer

Insurance carriers typically see $5-14M in annual value per 10,000 properties through fraud prevention, premium optimization, unclaimed damage advantage, and renewal intelligence. Average ROI is 1500% with less than 1 month payback period.

Question 4

Can I see radar proof of the hail storm?

Accepted Answer

Yes! HailTruth includes animated NOAA radar timelapse that shows the exact storm evolution minute-by-minute with geographic context. This provides visual verification of when and how the hail storm impacted a specific property.

Question 5

Is HailTruth legally admissible in court?

Accepted Answer

Yes. HailTruth reports are Federal Rule 702 compliant, meaning they meet the legal standards for expert testimony in federal courts. The physics-based SPEAR Index methodology has been field-validated and uses peer-reviewed atmospheric science.

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