Sifting Through Weather-Related Damage Claims
With all of the killer tornadoes, damaging hail storms, crippling bliz- zards, and record heat waves that we have experienced so far in 2011, the number of claims citing weather-related damages has skyrocket- ed. As insurance adjusters, CAT teams, engineers, and others scramble to investigate these claims and determine whether a payout is due, it is a good time to
think about the role that forensic meteorologists can play in cases where weather could
be a major factor. Because these weather events directly affect the insurance industry by
increasing the number of P&C claims
and policy payouts, forensic meteorologists can be of tremendous value
in mitigating unnecessary losses or
Using a variety of official weather
records, forensic meteorologists can
verify the climate conditions surrounding a loss by using tools to pinpoint exactly what had been going
on at a specified time and location.
Forensic meteorology has been around for more than a decade, but many attorneys,
insurance professionals, and engineers may be unaware of the services that these experts can provide.
Whether it is for a slip and fall on snow and ice, a hail claim, or a lightning strike,
In each case, a forensic
different types of weather
records from various
stations close to the
location of the incident.
having accurate weather information
from the incident location is often crucial in deciding whether to pay out a
Meterologists have experience working
for plaintiffs, defendants, insurance companies, the government, and private citizens. Their job is to give an honest, accurate, and detailed account of the weather
conditions at the times of the alleged loss
and how the weather may have contributed (or perhaps did not contribute) to
the incident. It is always better to know
the exact weather conditions so a claims
adjuster can proceed accordingly.
Doppler Radar: Superior Data
The type of cases that different forensic
meteorologists work on varies tremendously. One of the most common cases
they see is of the slip-and-fall variety on
snow and ice. In these cases, someone