For HOAs, multi-family owners & residential insurers

One storm. Forty roofs. Forty different answers.

Hail damage verification for every address you’re responsible for: a community, a multi-family portfolio, or a book of insured homes. Add the addresses once and Hailios Fusion AI monitors every one. After each storm it answers address by address: what fell, how big, and on exactly what date, ground-trained and labeled so. That includes the homes that took no hail. Every roof takes the same storm; now every conversation starts from the same record.

ADD THE PORTFOLIO ONCE · MONITORED BY FUSION AIADDRESS BY ADDRESS · HAIL OR NO HAILANY US ADDRESS

The problem, plainly

The same sky, adjusted forty times.

A community association owns a weather event it has no way to describe. The roofs are identical, the storm was identical, and the outcomes will not be. One building is inspected in June and paid. The one behind it is inspected in October and questioned. A third is denied on the grounds that the damage looks older than the claim. Nothing about the hail changed between those three visits; only the memory of it did.

Radar cannot settle this. It is a beam sweeping thousands of feet above your roofline, resolved to a grid far larger than your property, published with no accuracy statement — which is exactly why two adjusters can read it two ways. Hailios Fusion AI, trained on years of Tessera measurements, answers each address on its own, closer than a radar pixel alone: whether it hailed, how big, and on what date, with its certainty stated. The board and the carrier stop arguing about the weather and start talking about the roofs.

What it looks like

One storm. Every address, its own answer.

Every address is answered on its own, and every answer lands in one record: the board’s, the manager’s, the carrier’s and the homeowner’s.

DETAIL N · COMMUNITYNO SENSOR ON ANY HOME · SCALE NTSRADAR ESTIMATE015014016CONDOS ACONDOS BADDRESS BY ADDRESSADDRESS 014HAIL · H4DOL SEP 14 · 18:42ADDRESS 015HAIL · H2DOL SEP 14 · 18:42CONDOS BHAIL · H3DOL SEP 14 · 18:44 · EVERY UNITADDRESS 016NO HAILTHE HOUSE NEXT DOORCONDOS ANO HAILINSIDE THE RADAR OUTLINENO HAIL IS DATA, TOO.GROUND-TRAINED · HAILIOS FUSION AIOPEN = NO HAILH1–H11 = HAIL SIZE CLASS · DOL = DATE OF LOSS
ONE STORM, ONE RECORD, AND EVERY ADDRESS WITH ITS OWN ANSWER AND DATE OF LOSS.
Three things it settles

What a board can do with ground truth

ONE RECORD

Every unit gets the same conversation

Forty separate claims currently become forty separate weather arguments, each one held months apart with a different adjuster reading a different interpretation of the same afternoon. One record for the community, answered address by address, is one document that arrives before the argument does, and says the same thing in every file it enters.

NO HAIL IS DATA, TOO

Proof that nothing happened here

A storm forty miles away is enough to start residents wondering about their roofs. A no-hail answer for the address on that date settles it in one sentence. Scored against the ground, Hailios Fusion AI reports 77% fewer false positives than radar models.

DATE OF LOSS

The spring storm found in November

Damage discovered at the winter inspection is a denial waiting to happen, because nobody can say which storm did it or whether the association reported it in time. A Hailios record pins the date of loss to the day it occurred, not the day someone finally climbed a ladder.

NO HAIL · SEP 14 · ALSO A RESULTTHE SAME ANSWER IN EVERY FILE

For residential insurers

The whole book, address by address.

Load the book once and Hailios Fusion AI monitors every address in it. After a storm you know which policies took hail, at what size class and on what date of loss, and which took none. Adjusters go to the homes that were hit, and the no-hail answers are evidence too. None of it waits on a sensor at the home.

BEFORE THE STORM

Alerts that reach policyholders

Up to 30 minutes of warning when hail above your threshold is heading for an insured address: time to put the car away and get people inside.

THE MORNING AFTER

Every affected policy, ranked by severity

The addresses that took hail, each with its size class and date of loss, and the ones that didn’t. Adjusters start at the top of the list.

THE CLAIM

One report per address

What fell, when, and how sure we are, stated on page one. The same record for the adjuster, the policyholder and the reinsurer.

Scored against the ground, Hailios Fusion AI reports 77% fewer false positives than radar models.

Talk to us about your book
The second beneficiary

The board buys it. The homeowner uses it.

Associations and owners make the decision, but the person it protects is the one in unit 14 who has never filed a hail claim before and has no idea what evidence looks like. The community record works for them without them having to understand it.

  • Their claim doesn’t rest on their memory of a night in September. The event is already documented, at their address, with a time on it.
  • They file whenever they discover it. The date of loss was fixed when the storm happened, not when they noticed the ceiling.
  • Before they sign anything, they have a number to call. The office can tell them what Hailios recorded for their address that day.
  • They get their own answer, from the same record as their neighbor’s. Address by address, no door-by-door lottery.
Mosaic · the platform

Three questions, whether you run the board or the book

  1. “Did hail hit this address, and when exactly?”

    Mosaic Reports · know the event

    One address, one community or one book of policies, one date, one report: every unit and every policy answered on its own, and the same document for every adjuster and every contractor bid. Each report states the hail size class, the most likely size and how sure we are, in plain language on page one.

  2. “Is this address priced for the hail it actually gets?”

    Mosaic Risk · know the risk

    Hail risk scored across the US: six years of measured hail set against 26+ years of reported record. When a master policy reprices or a book is rated, a board or an underwriter can hold the hazard view next to Hailios’s and see whether the property is really the outlier it’s being charged as.

  3. “Can we warn residents and policyholders in time?”

    Mosaic Alerts · know what’s coming

    Alerts fire for every address up to 30 minutes ahead, while there is still time to send a notice people can act on: move the cars off the street, get them under cover, bring the patio furniture in. For a board it’s a community service; for a carrier, it’s a claim that may never open.

DETAIL J · MOSAIC ALERTS · AT HOMEONE STORM · ONE CLOCK · SCALE NTSHAIL · H4HAIL · H2NO HAILCAR ON THE DRIVEWAYALERT ARMED · INTO THE GARAGEHAIL ON AN EMPTY DRIVEWAYTHE RECORD · ADDRESS BY ADDRESSGROUND-TRAINED BY HAILIOS FUSION AI20 MIN TO ACT17:38WATCHING17:48ABOVE YOUR H417:52PARKED18:08FIRST IMPACT18:20LAST IMPACT18:31ALL-CLEARTHE RECORD →MOSAIC REPORTS
THE ALERT BUYS TWENTY MINUTES: ENOUGH TO PUT THE CAR AWAY. AFTERWARD THE REPORT SAYS WHICH HOMES ON THE STREET TOOK HAIL, AND WHICH DID NOT.

POWERED BY HAILIOS FUSION AI · PATENT PENDING · MEASURED WHERE WE ARE, GROUND-TRAINED WHERE WE AREN’T — AND LABELED ACCORDINGLY.

Within reach

Every address, within reach.

Hail data used to be an enterprise line item. Hailios Fusion AI answers any US address without a sensor on the roof, which puts it within reach of a community association, a single building or a whole book of homes.

Talk to us

Know which addresses it hit, and when.

Tell us how many buildings you manage or homes you insure, and where they are. Or give us an address and a date you’re arguing about, and we’ll show you what Hailios has for it.

HOAS · MULTI-FAMILY OWNERS · RESIDENTIAL INSURERS · A FRIENDLY REPLY FROM A REAL PERSON, USUALLY THE SAME DAY.

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Know which addresses it hit, and when.