Respond Focus on the impact weather will have on future claims


Tracking Hurricane Isaias with Respond

Respond, part of the Verisk ecosystem, provides vital information to restoration professionals to improve preparation and rapid response to hurricane events by providing granular wind data for all active tropical storms or hurricanes in the Atlantic hurricane domain.

Wind variables include both the duration of winds above certain wind speed thresholds as well as maximum sustained wind speeds and maximum wind gusts. The data are both a reflection of what the tropical cyclone has produced as well as a five-day forecast of projected impacts. This forecast can provide critical intelligence for understanding potential exposure to the event, allowing for proper resource planning before the tropical cyclone event even makes landfall.

Case Example: Hurricane Isaias


On Sunday, August 2, 2020, Tropical Storm Isaias roiled off the east coast of Florida, bringing some tropical storm force winds to the east coast of the state. Despite continued impacts from wind shear, Isaias began to become better organized, with maximum sustained winds of up to 70 mph.

On Monday, August 3, Isaias moved up the Southeast coast and obtained hurricane strength, with sustained winds up to 85 mph at its peak intensity. Shortly after achieving this intensity, Isaias made landfall near Ocean Isle Beach, NC. Strong winds and heavy rains spread across portions of the Carolinas and into the Mid-Atlantic on Monday and into Monday night. In the early morning hours of Tuesday, Isaias weakened back to a tropical storm as it continued over eastern North Carolina.

During the day on Tuesday, Isaias continued to speed northward as a strong tropical storm. Heavy rain and high winds spread across the Mid-Atlantic and portions of the Northeast. By nightfall on Tuesday, Isaias had begun weakening more substantially, with the center located over northeast New England. Shortly before midnight, as the center of Isaias crossed over the US and Canada border, the system was downgraded to a post-tropical cyclone. However, the damages were done:

  • Heavy rains caused flooding, especially across the Mid-Atlantic and portions of the Carolinas.
  • Additional flooding from storm surge occurred, especially near the landfall location in the Carolinas.
  • Tornadoes impacted some areas, with multiple occurrences across portions of the Mid-Atlantic.
  • Based on the post-storm analysis max gust data, 60+ mph wind gusts occurred over portions of 15 states (Florida, South Carolina, North Carolina, Virginia, Maryland, Delaware, New Jersey, Pennsylvania, New York, Connecticut, Rhode Island, Massachusetts, Vermont, New Hampshire, and Maine).

Hurricane Isaias Maximum Wind Gusts Respond Hurricane Model

Preparing for weather-related impact using Respond

Respond provides a five-day forecast, precise post-storm mapping of wind swaths at 1 km resolution, 4x daily updates, and accurate modeling of storms through the lifecycle, including during extratropical transition.

Understanding a storm’s impact prior to FNOL allows carriers and independent adjusting firms to forecast claim volume, estimate and analyze losses, and reduce loss adjustment expenses. It also enables them to appropriate and mobilize resources quickly to areas where support is most needed.

Respond analysis overlaid on your Policies in Force (PIFs) visualizes policyholder locations and coverage values with a high probability of exposure to damaging perils. The Respond data can be used with internal GIS platforms or accessed through the Triage tool provided by Geomni, a leading geospatial data and aerial imagery firm. Triage automatically combines the Respond weather data with policy locations and aerial imagery, providing a complete picture of what occurred at a claim location.

Contact us at weathersolutions@verisk.com for a demonstration of Respond data relative to your book of business.

Gemoni Triage Isaias

Post-storm reports with Benchmark

Benchmark hurricane reports draw from Respond hurricane data to assist adjusters in determining impacts from a hurricane at a property-specific location. The report provides detailed information on wind speeds and gusts at and nearby the property, allowing an adjuster to quickly determine next steps for a particular claim. This can be especially important during what is likely a period of high claim volume following major hurricane events. And, with one third of all claims having an inaccurate date of loss, Benchmark becomes a vital tool to determine whether damage occurred on the particular date in question.

Post-storm activity can be reported on a property-specific basis using Benchmark’s hurricane reports to help you assess and process the claim. Download a sample Benchmark Hurricane report

Benchmark hurricane reports are available through the Verisk ecosystem in Xactimate, XactAnalysis, and DecisionNet.

Learn how Respond can help you prepare and proactively react to severe weather events.