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.

Feature	HailTruth	CoreLogic WVS	Betterview
Physics-Based Analysis
Material-Specific Damage Thresholds	13 materials		Roof type only
Terminal Velocity Calculations
CAPE-Based Density Modeling
Wind-Driven Trajectory Analysis	cos²θ corrections
Damage Probability Percentage		Risk score only	Vulnerability score

Feature	HailTruth	HailTrace	HailStrike	Verisk Benchmark	Cotality	Betterview
AI-Powered Fraud Detection					Limited
Statute Gaming Detection	Pattern recognition
Date-of-Loss Forensics
Roof Age Consideration	Prevents false flags
Federal Rule 702 Compliant	By design	Expert reports	Not stated	Not stated	Not stated	N/A
Court-Admissible Reports			Unknown	Not positioned	Unknown

Feature	HailTruth	HailTrace	HailStrike	Verisk Benchmark	CoreLogic WVS	Betterview
Bulk Portfolio Upload	Thousands at once		Limited	Rules-based	Custom alerts	Via carriers
Loss Ratio Analysis
Premium Optimization Recommendations	Data-driven rates
Renewal Intelligence	Auto recommendations
Risk Heatmap Visualization		Maps only
10-Year Historical Analysis			2011+
Unclaimed Damage Tracking	Past statute

Feature	HailTruth	HailTrace	HailStrike	Verisk Benchmark	CoreLogic WVS
NOAA Radar Data
Animated Radar Timelapse	Minute-by-minute	Static maps	AniSwaths
Meteorologist Review Available	Planned	Certified reports			QC only
Real-Time Updates		Live mapping	5 min intervals	Near real-time	Hourly
Geographic Reference Markers	Counties, cities

Why HailTruth Beats the Competition

Core Analysis Features

Fraud Detection & Legal Compliance

Enterprise & Portfolio Intelligence

Data Sources & Verification

HailTruth's Unique Advantages

Physics-Based

Fraud Prevention

Portfolio Intelligence

ROI Comparison for Insurance Carriers

Competitors (Verification Only)

HailTruth (Complete Platform)

Ready to See the Difference?