Weather Claim Control
Managing climate risks
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Start Up of the year 2023 !
Fantastic news and recognition: Weather Claim Control has been named Start-Up of the Year 2023 by Argus Factory, a structure of Argus Insurance. Thank you all for your votes and support ;)
For more information, clic here!
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"INSURTECH OF THE WEEK" by l'Argus
L'Argus de l'Assurance looked at the challenges of weather claims and the solutions put forward by Weather Claim Control to support insurers.
Find the article HERE -
Tribune de l'Assurance
A big thank you to La Tribune de l’Assurance for addressing a fundamental subject for insurers: weather claims and the means to manage it effectively, while respecting the customer relationship!
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Ecosystem development
Weather Claim Control is thrilled to join Insurtech France, a very talented association with more than 250 members !
We are eager to share our experiences and participate to the digital development of insurance world.
35% of compensated weather claims are not justified by the weather conditions!
To deal with increasing climatic events, the insurtech Weather Claim Control developed an expert application which optimizes claims’ compensation.
Weather Claim Control‘s team of meteorological engineers, data scientists and IRD claims handlers have been working for over 10 years on weather sensitivity for insurance companies.
While ensuring excellent customer relationship, Weather Claim Control assists claims handlers in the contractual application of weather insurance and makes a significant contribution to improving its clients’ combined ratio.
Weather Claim Control analyses a complex meteorology to optimise and simplify the management of weather claims
Weather Claim Control ecosystem
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Climate claims already analyzed
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%
Weather Claim Control ROI *
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%
Management time saved on weather related claims *
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/ 10
Claims handlers' satisfaction score *
* Based on surveys conducted by insurance companies
A solution for claims handlers
The Weather Claim Control application is specifically designed for claims staff and General Agents. It fits seamlessly into the claims report process, especially by phone, without altering it.
Based on expert models that incorporate parameters relating to local climatology, geography and building standards, Weather Claim Control provides guidance for:
- Storm claims (all wind types, even localized)
- Electrical damage from lightning strikes
- Water and property damage caused by cold waves
- Flooding by runoff and heavy rainfall
- Hail
Service As A Software
An application immediately available, without IT impacts
API Native
Our product is an API that can be easily connected to all systems (ERP, website ...)
Personnalisation
Easy to set up, adapted to your specificities
Optimal ergonomics
A clear decision in a few seconds: just 3 information and 1 click are needed
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 weather reports specifically designed for the insurance industry enable departments’ managers to organize the better use of their human resources.
What Weather Claim Control can do for your company
Get the weather insurance claims’ burden under control
Reduce the claims' burden
- Fulfill your contractual obligations better thanks to technical information
- Fight fraud
Speed up claims’ settlements
- Increase first call resolution ratio
- Protect the call response rate in case of a crisis
Improve operating results
- Immediately and drastically reduce the claims ratio
- Reduce claims department's costs
- Control the pure premium
Reduce the use of survey
- Avoid assigning adjusters for "prima facie non-case"
- Focus resources on key issues
Assuming the burden of proof
- Less administrative tasks for your policyholder
- Avoid certificates of convenience or systematically unfavorable certificates
Limit complaints
- Show your good faith by providing objective evidence
- Use a Third Party as a reference: authorized experts
Support claims handlers
- Bringing comfort to the processing of climatic claims
- Promote commercial gestures, whenever they are granted
Reassure Reinsurers
- Show Reinsurers that you control the claims costs
- Avoid any audit dispute
Enhance customer satisfaction
- Make an immediate settlement decision whenever the event is confirmed
- Avoid asking customers for documentary evidence
Immediate operational and financial results
"With Weather Claim Control, pay everything you owe, but nothing else"
Windstorm insurance
Average percentage of claims that are not in line with terms of policy (wind gusts below defined thresholds) *
Electrical damage insurance
Average percentage of claims in which no lightning strikes were recorded*
Annual distribution pattern of claims: without control and with control
* Risk Weather Tech / Weather Claim Control studies and analysis,
from historical claims analysis
How can we help you?
Frequently Asked Questions
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 relationships is maintained.
What kind of data are used?
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 has 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.
Is the Weather Claim Control solution in line with insurers’ terms of policy?
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 a number of indicators: distribution of controls carried out for each type of event, number of “prima facie non-cases”, percentage of claims examiners 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 unique ROI: for 1€ invested in the application, insurers save 16.5€ on claims
- 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.
How to manage the relationship with policyholders in case of coverage denial?
Surveys carried out by companies that use climate control show that clients appreciate:
- not having to provide any supporting documents (the insurer assumes the burden of proof)
- to get a certificate issued by a trusted third party. Providing this certificate demonstrates the company’s good faith, thus defusing potential disputes and avoiding complaints
Moreover, weather insurance control makes it possible to strongly enhance the commercial gestures granted by the claims handlers (a settlement even if the climatic conditions are not met) whereas without control they would be unnoticed (with no climatic information, the waiver can’t be pointed out to the customer).
Finally, weather insurance control is acclaimed by both claims staff and General Agents for its ease of use and the facilitation of the customer relationship.
Managing Team
Guillaume Burel
CEO
Guillaume Burel
Guillaume Burel
CEO of Weather Claim Control
06.62.83.63.80
gburel@weather2c.com
Isabelle Simelière
Partner
Isabelle Simelière
Isabelle Simelière
Partner of Weather Claim Control
06.88.21.87.79
isimeliere@weather2c.com
Yann Amice
Meteorologist and oceanographer
Yann Amice
Yann Amice
Meteorologist and oceanographer
Ecole Nationale de Météorologie
07.81.65.41.66
yann.amice@riskweathertech.com
Annie Dillard
Account Director
Annie Dillard
Annie Dillard
Account Director of Weather Claim Control
06.89.56.75.41
adillard@weather2c.com
Gilles André
PhD in Geography - Cat Analyst
Gilles André
Gilles André
PhD in Geography - Cat Analyst
07.69.42.19.01
gilles.andre@riskweathertech.com
Blandine L'Hévéder
PhD in Climatology
Blandine L'Hévéder
Blandine L'Hévéder
PhD in Climatology
Former IPSL
06.62.53.32.37
blandine.lheveder@riskweathertech.com
Thomas Cornette
IT Director
Thomas Cornette
Thomas Cornette
IT Director of Weather Claim Control
06.37.74.07.47
tcornette@weather2c.com
Dominique Lebeau
Building and insurance expert
Dominique Lebeau
Dominique Lebeau
Building and insurance expert
DLEC
06.49.51.63.60
Dlec.exp@gmail.com
Jean-Pierre Daniel
Spain Manager
Spain Manager
Jean-Pierre Daniel
Spain Manager
06.09.67.05.34
jpdaniel@vigie-int.fr
