# OUR PLATFORM

## Hyperlocal Climate Risk Engine

The first unified digital insurance platform built for the era of climate risk.

## TRUSTED PARTNERS INCLUDE:

### Economic vs Insured Cost of Natural Catastrophes in 2020

### Understory’s Hyperlocal Climate Risk Engine makes even the most challenging climate risks profitable.

## Eliminate fraud and uncertainty with hyperlocal loss detection

Meet Dot, the ground-truth weather sensor at the core of our platform. It’s included with every policy we sell and captures 125,000 hyperlocal weather measurements per second, 24x7.

- Automates and streamlines loss notification and claims processing
- Solar-powered and maintenance-free
- Deployable anywhere within weeks
- Easily integrates with third-party sensors

[Learn More](https://understoryweather.com/platform/dot)

## Machine-learned experiences pair each weather event with resulting damage

Our state-of-the-art, lab-validated damage testing on insured assets allows us to accurately match each severe weather event Dot captures with its resulting damage.

- Capable of generating damage functions for any physical asset.
- Ongoing optimization via field studies and ongoing claims activity.

## THIRD-PARTY DATA AND MODELS INCLUDE:

## Best-in-class climate risk modeling enables profitable risk selection

Our global network of Dot weather sensors has amassed more than 5 years of ground-truth data. We use this unrivaled database to augment and correct more than 50 years of historical data with machine learning. The end result is an unparalleled, 1x1km global climate risk and catastrophe model.

- Validated by leading insurers and reinsurers
- Powered by advanced data science and machine learning, with losses integrated into real-time underwriting

# Modern customer experiences that exceed the expectations of today's client

Today’s broker and client demand a digital insurance experience that is personalized and painless. UnderstoryOS rebuilds the broker and customer journey from the ground up.

### Broker Management

- Recruiting
- Training
- Co-marketing
- Sales Enablement

### Pricing & Quoting

- Proprietary Modeling
- Quote Tracking
- Regulatory Compliance

### Claims Management

- Risk mitigation pre and post loss
- Automated weather FNOL
- TPA integration
- Customer Support

### Broker Management

- Endorsements
- Cancellations
- Renewals
- State-Level Reporting
- Real-time risk adjusted underwriting

## Sophisticated loss mitigation protects assets and makes programs sustainable

Today’s climate threat demands a new approach to loss mitigation. Every Understory client is empowered to shelter assets and take other measures to protect their property with real-time weather notifications, driving down balance sheet exposure and delighting customers.

- New mitigation strategies are continually tested for efficacy and implemented once proven.
- Notifications include:
  - Daily weather outlooks
  - Nearby storm alerts
  - Post-event summaries
  - Claim status alerts

## Get in touch to learn how Understory’s Hyperlocal Climate Risk Engine powers breakthrough property insurance programs

### Contact Us

###### Understory HQ

4916 E Broadway, Suite 200  
Madison, WI 53716

info@understoryweather.com

608-665-0032

###### General Inquiries

info@understoryweather.com

###### Press Inquiries

press@understoryweather.com