Maximizing Accuracy in Weather-Related Insurance Claims with Forensic Meteorology

In the realm of hail and wind insurance claims, the role of forensic meteorology is increasingly pivotal. Howard Altschule, a Certified Consulting Meteorologist, and Steven Badger, a partner at Zelle LLP, highlight the importance of detailed weather analysis over generic reports. While starting with a $39 hail report is common, these experts stress that such reports should not be the endpoint, especially when the weather is a point of dispute. Forensic meteorology delves into an in-depth examination of historical weather data, aiding adjusters in making informed coverage decisions in the claims phase, even before litigation arises. Altschule points out that reliance solely on these standard reports can lead to discrepancies, as they often vary in methodology and outcomes. Non-meteorologists using these reports to prove or disprove the occurrence of hail at a property can lead to issues, as storm intensities frequently change. This underscores the value of forensic meteorology in providing accurate, localized weather assessments, thereby influencing the accuracy and fairness of insurance claim resolutions.