L’Application

Une solution pour les gestionnaires sinistres

Weather Claim Control

Piloter chaque sinistre météo avec rigueur et simplicité

The Weather Claim Control application is specifically designed for claims staff and General Agents. It fits seamlessly into the claims report process without altering it.

Based on expert models that incorporate parameters relating to local climatology, geography and building standards, Weather Claim Control provides guidance for :

Easy to integrate and use!

SAAS mode

An application immediately available, without IT impacts

Personalization

Easy to setup, adapted to your specific needs.

Optimal ergonomics

A clear decision in a few seconds: just 3 information and 1 click are needed

API Native

Our solution is an API that can be easily connected to any system (ERP, website, online claims, etc.)

Key benefits of our solution

Certification, monitoring and forecasting

Using the analyses provided, the insurance company assumes the burden of proof. If there was indeed a climatic event, the claims handler can immediately decide to compensate his client, otherwise he can serenely justify a refusal. A certificate signed by a meteorologist is issued in real time to support the decision.
A supervision tool is natively integrated into the solution: thanks to these statistics, the claims departments' managers are able to monitor how the application is used, to evaluate the breakdown of controlled guarantees, to analyze financial savings, etc.
An expert weather forecasting platform (5-day vision) and insurance-specific weather reports enable departments' managers to organize the better use of their human resources.

Frequently asked questions

How can we help you?

Should weather claims be systematically controlled?

Insurance companies open and settle claims of climatic origin every day of the year, even when there has been no exceptional or publicized event.

Our observations and studies show that 25% to 45% of these claims do not fulfill the terms of policy, as far as meteorological conditions are concerned.

We therefore recommend to systematically check weather conditions the very moment policyholders report their claims: as a consequence, the claims costs is significantly reduced, technical ratios are immediately improved and weather-related claims are under control, while the quality of customer relationship is maintained.

Sur quelles données Weather Claim Control s'appuie t'il ?

To give an accurate assessment of the atmospheric conditions at the time of a claim, Weather Claim Control uses several sources of data, including Météo France.

However, our meteorological engineers have developed a model that selects the weather stations eligible for Weather Claim Control.

Our model eliminates stations considered atypical, thus providing a very objective and accurate vision of the local intensity of weather phenomena!

Are the weather records sufficient to contribute to the claims handlers' decisions?

The weather stations’ network provides good information on weather conditions. However, between some stations, local phenomena can occur and not be recorded.

In order not to prejudice the policyholders’ interests and to avoid complaints, Weather Claim Control developed expert models to identify very localized phenomena. For example, these models can spot strong winds (convective gusts...) circulating between stations.

The recommendations issued to claims handlers therefore also include meteorological events (winds, lightning...) that would not be traced by meteorological stations.

La solution Weather Claim Control s'adapte t'elle aux conditions contractuelles des assureurs ?

We adapt the configuration of our application to the contractual specificities of each customer.

The Weather Claim Control application does not simply provide meteorological data: it is an expert and ergonomic decision support tool for claims handlers, which takes into account the contractual thresholds for events, the geographical characteristics of the policyholders, the local construction standards...

What IT investments are required to implement the solution?

No IT development is required to deploy the Weather Claim Control application: our tool functions in SAAS mode.

With most of our clients, claims staff access the application through their browser.

Some of them decided to integrate the FTP link into the company's intranet portal, which has no impact on the IT.

How can Weather Claim Control contribute to monitoring the activity of the weather claims' department?

The Weather Claim Control application provides many indicators: distribution of controls carried out for each type of event, number of “prima facie non-cases”, percentage of claims handlers using the application, etc.

The control panel also shows the savings made and the ROI (return on investment) obtained using the application.

The claims department can thus enhance the value of its control actions within the insurance company, and also compare itself to the other companies using the tool (average, base 100 indicator).

What is the real added value of the solution?

Weather Claim Control provides insurers with many benefits:

A decision support tool: based on weather data and its expert models, W2C provides technical advice to claims handlers. We take many factors into account, such as local construction standards or geographical particularities
Optimal coverage of climatic phenomena: thanks to its atmospheric models, W2C considers all climatic phenomena, even the very localized ones that are not spotted by the weather stations network. Thus, agents can make a fair and balanced decision based on thorough information
A Outstanding ROI: first-year fixed costs reimbursed in just 2 to 4 weeks!
A control of incidental costs: the W2C service’s cost is much lower than those charged by other meteorological organizations (production of meteorological certificates for example)
Transparency in the results monitoring: W2C provides transparent and daily monitoring of the use of the solution and the savings made
A certificate of control for reinsurers: a guarantee of claims’ management quality for an insurance company, especially when renewing treaties with its reinsurers

What is the level of privacy guaranteed by Weather Claim Control?

The data necessary for the application operation as well as the statistics do not contain any personal information and are in total compliance with the GDPR.

The application only monitors the results provided and calculates their value.

The terms of use and consultation are anonymized for companies, clients, and claims staff.

We're here to help you

Besoin d’aide ou d’informations ? Contactez-nous via notre formulaire ou par email, et nous vous répondrons rapidement. Simplifions la gestion des sinistres climatiques ensemble !