19/02/2009

Insurers Can Ease Burden Of Weather-Related Claims

A new service from the Met Office, designed to help insurance companies improve their service regarding weather-related claims, has been launched.

Traditionally, insurers have had to rely on a limited number of weather observations and then estimate the weather in between.

ClaimCheck, backed by innovative use of computer modelling, builds a detailed picture of weather for any given hour right across the country at a resolution of 2km, mapped to individual postcode sectors.

Commenting on the developments, Met Office senior scientist, Simon Jackson said: "We use a wide variety of observing instruments such as satellites and rainfall radar, as well as physical models of these 'modelled weather analyses' are used each day to supplement the traditional observing network."

Impacts from severe weather are expected to increase as our climate changes with a coincidental increase in weather-related property damage and claims. ClaimCheck allows insurers to manage their claims, and is designed around a database requiring only a postcode and date to provide all the relevant weather information needed to assess a claim.

Cathy Durston, head of Met Office Consulting, says the scientific capability gives Met Office customers an edge, stating: "We have for some time recognised the problem caused by the limitations of traditional observing networks.

"The practice of interpolating conditions based on limited observations is unsound because of influences such as mountains and other geographic features on the weather.

"ClaimCheck plugs the gaps in weather reports providing insurers with the same quality information as used by our forecasters."

(JM/BMcC)

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