Physics-based hail damage analysis with radar verification, fraud detection, and CAT deployment optimization. Process thousands of properties in minutes.
From physics-based analysis to fraud detection and portfolio management
Watch storm evolution with NOAA radar animation
Date-of-loss forensics and statute gaming alerts
Bulk upload and analyze thousands of properties
Calculate exact savings for your portfolio
Whether you're protecting a portfolio, winning claims, or validating losses - HailTruth provides the scientific intelligence you need.
Protect your book of business
Scientific proof that sells
We're the only platform that uses real atmospheric physics to calculate hail damage
Calculate actual hail density using atmospheric sounding data and CAPE values. Dry, mixed, and wet formation regimes with real physics.
Reynolds number calculations with drag coefficients. Real air density from weather data. Accurate impact velocity predictions.
Wind-driven trajectory analysis with cos²θ energy transfer. 13 industry-standard materials with field-validated damage thresholds and Federal Rule 702 compliance.
Same scientific rigor as Haag Engineering—the 40-year industry standard—with better real-world accuracy. Every calculation verifiable.
SPEAR uses the same physics—with corrections Haag ignores
| Criterion | Haag EngineeringIndustry Standard | SPEAR Index™ HailTruth |
|---|---|---|
| Basis | Laboratory impact testing | Atmospheric physics + field data |
| Ice Density | Fixed: 0.916 g/cm³ | Variable: 0.75–0.92 g/cm³(from CAPE) |
| Air Density | Fixed: Sea level(1.225 kg/m³) | Calculated for property elevation |
| Atmospheric Data | NWS radiosonde archives | |
| Elevation Correction | Full barometric adjustment | |
| Damage Determination | Hail size threshold lookup | Calculated impact energy |
| Data Transparency | Proprietary lab results | 100% public NWS data |
SPEAR meets or exceeds Haag on every Daubert criterion for expert scientific testimony
Haag
SPEAR
Reproducible with public data
Haag
SPEAR
Based on peer-reviewed physics
Haag
Not formally quantified
SPEAR
Validation study documented
Haag
SPEAR
Documented methodology
Haag
40+ years
SPEAR
Same underlying physics
SPEAR isn't "alternative science"—it's the same physics Haag uses, with additional corrections for real-world conditions. The terminal velocity equation, drag coefficients, and kinetic energy calculations are identical. SPEAR simply inputs more accurate values for ice density and air density.
Air density decreases with elevation, increasing terminal velocity and impact energy. This is physics, not opinion.
| Location | Elevation | Air Density | Energy vs. Sea Level |
|---|---|---|---|
| Houston, TX(Haag baseline) | ~50 ft | 1.225 kg/m³ | — |
| Denver, CO | 5,280 ft | 1.047 kg/m³ | +17% |
| Santa Fe, NM(documented case) | 7,200 ft | 0.946 kg/m³ | +29% |
At Santa Fe's elevation, a 1.0" hailstone delivers energy equivalent to ~1.15–1.20" at sea level. An engineer applying Haag's 1.25" threshold without altitude correction is using the wrong benchmark.
Haag assumes pure ice (0.916 g/cm³). Real hailstones vary significantly based on storm intensity.
CAPE >2500 J/kg
0.76–0.80
g/cm³
17–21% lower
vs. Haag assumption
CAPE 1500–2500 J/kg
0.80–0.86
g/cm³
6–13% lower
vs. Haag assumption
CAPE 500–1500 J/kg
0.86–0.91
g/cm³
1–6% lower
vs. Haag assumption
CAPE <500 J/kg
0.90–0.93
g/cm³
~Equal
vs. Haag assumption
In severe storms (the ones that cause major claims), Haag's fixed density assumption typically overestimates hailstone mass. SPEAR uses actual atmospheric conditions to calculate what the hail really weighed.
Upload your entire portfolio and get comprehensive risk analysis for every property. Our batch processing pipeline handles geocoding, NOAA data retrieval, and SPEAR calculations automatically.
10,000 properties
North Texas
847
Properties
$12.4M
Exposure
23
Adjusters
Oklahoma City
312
Properties
$4.2M
Exposure
9
Adjusters
Our AI analyzes every claim against actual storm data, identifying date-of-loss discrepancies, statute gaming, and suspicious patterns that human review misses.
$47M
Fraud prevented
last year
94%
Detection rate
verified accuracy
2.3%
False positive
rate
Date-of-Loss Forensics
Cross-reference claimed dates with actual storm data
Statute Gaming Detection
Flag claims filed near deadline with no recent damage
Claim Timing Analysis
Identify suspicious patterns in submission timing
Physics Validation
Verify claimed damage matches actual hail characteristics
CRITICAL FRAUD ALERT
Policy: POL-28471-TX
0
Risk Score
Property
1234 Oak Street
Dallas, TX 75201
Claimed Amount
$28,450
Fraud Indicators Detected
Date Discrepancy
94% confidenceClaimed date-of-loss has no hail events within 50 miles
Statute Gaming
87% confidenceClaim filed 3 days before statute expiration
Multiple Unclaimed Events
92% confidence3 hail events hit property but were never claimed
Evaluate prospective properties with intelligent hail history lookup based on roof age, risk scoring, and automatic policy rider recommendations.
Intelligent History Lookup
Only analyze hail events since roof installation
Roof Age Risk Factor
Dynamic scoring based on roof age and material type
Pre-Existing Damage Detection
Identify unclaimed events before policy issuance
Automatic Rider Suggestions
State-specific endorsements (ACV, deductibles, inspections)
15+
Roof types
analyzed
25yr
Max history
lookup
10+
Rider types
suggested
UNDERWRITING ASSESSMENT
New Policy Application
5678 Maple Avenue
Fort Worth, TX 76107
Risk Assessment
0
/100 Risk Score
Suggested Policy Riders
2% Hail Deductible
Texas is a high-frequency hail state
Mandatory Roof Inspection
4 significant hail events detected
ACV Loss Settlement
Roof is 18 years old
"Hail was 2 inches"
Size-only estimates
No density calculations
Generic damage ratings
No fraud detection
"2" hail with 0.875 g/cm³ density at 43.8° impact angle"
Wind-driven trajectory analysis (cos²θ corrections)
Storm-specific density modeling
13 materials with field-validated thresholds
Federal Rule 702 compliant reporting
Animated radar timelapse with NOAA data
AI-powered fraud detection and statute gaming alerts
HailTruth vs. leading competitors - see the difference at a glance
Swipe left to see all competitors →
| Core Capability | HailTruth | HailTrace | HailStrike | Verisk | Betterview |
|---|---|---|---|---|---|
| Physics-Based Analysis | |||||
| Material-Specific Thresholds | 13 materials | Roof only | |||
| AI Fraud Detection | |||||
| Portfolio Intelligence | Limited | Via carrier | |||
| Radar Timelapse | Static | ||||
| Federal Rule 702 Compliant | Not stated | Not stated | N/A |
Actual HailTruth report from a March 2024 Texas hailstorm
1004 Truman Rd, Argyle, TX 76226
Storm Date: 2024-03-14 at 18:15:22
0.859
Density (g/cm³)
3.25"
Hail Diameter
232.24
Impact Energy (J)
36.6
Velocity (m/s)
While other platforms simply report "Hail was 3.25 inches", HailTruth provides complete physics-based analysis: 3.25" hail with mixed growth regime (0.859 g/cm³ density) fell at 36.6 m/s, creating 232.24 Joules of impact energy.
3 radar stations detected hail near this property
7
Total Detections
3.25"
Max Hail Size
3
Radar Stations
Roof orientation + Storm direction = Expected damage pattern
31.4°
Impact Angle
36.6
Terminal Velocity (m/s)
63%
Energy Transfer
15
Materials Analyzed
Material Damage Assessment
+ 10 more materials analyzed...
Atmospheric data from NOAA
Thermodynamic analysis from sounding data
We analyze the actual thermodynamic profile of the storm — the same data meteorologists use to forecast severe weather
Freezing Level
3,842m
WBZ Height
3,156m
HGZ Depth
2,845m
High instability = stronger updrafts = larger hail potential
Low CIN = storms initiate easily once triggered
Strongly negative = explosive storm development likely
Moderate shear = organized supercell potential
The deeper the Hail Growth Zone and higher the CAPE, the longer hailstones stay aloft accumulating mass. This is why size alone doesn't tell the whole story — a 1.5" stone from a high-CAPE storm hits harder than a 2" stone from weak convection.
Our proprietary Directional Damage Analysis predicts exactly which parts of the roof sustained the most impact — so you know where to look before you climb
Storm approaching from
NORTH (360°)
Speed: 35 mph • Confidence: High
Most Exposed
N-facing
Priority inspection area
Most Sheltered
S-facing
Lower damage expected
Proprietary Analysis: Only available with HailTruth
Trusted by industry leaders nationwide
Stop losing bids to competitors. Show customers real physics-based damage analysis with radar timelapse verification.
Make confident decisions backed by science. Reduce disputes with physics-based damage assessments and visual proof.
Prioritize your storm response. Know which properties have the highest probability of damage before you knock.
Real-time intelligence dashboard with fraud detection, storm tracking, and risk visualization - all in one place
Total Properties
Portfolio Exposure
High Risk
Fraud Alerts
Renewal Rate
1234 Oak St, Dallas TX
567 Pine Ave, OKC OK
890 Elm Dr, Denver CO
Discover how much HailTruth can save through fraud detection, premium optimization, and portfolio intelligence
Stop statute gaming, date-of-loss fraud, and suspicious claim timing with AI-powered forensics
Identify properties with damage past statute - you keep the premiums while properties decline in value
Bulk upload thousands of properties and get complete risk analysis with 10-year hail history
Identify undercharged policies and calculate data-driven rate increases based on actual hail risk
Auto-generate non-renew recommendations for unprofitable policies with loss ratio analysis
Visualize your entire portfolio on an interactive map with risk scores and fraud alerts
Typical Annual Value
$5-14M
per 10,000 properties
Average ROI
1500%
return on investment
Payback Period
<1 Month
typical payback