Conditions.Site
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For Insurance Claims & Date-of-Loss Verification

Verify the weather at the claim address on the date of loss

Tie reported damage to a real weather event, or show it doesn't line up. Get a minute-accurate, multi-source, cited record of wind, gusts, precipitation, cloud cover and pressure at the exact address, in local time.

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Free tier: 5 full reports a month, no credit card.

Conditions.Site produces a cited historical weather report for any property address and any past date and time, down to the minute, in the site's own local time. Every value for wind speed, gusts, precipitation, cloud cover, humidity, visibility and pressure is reconciled across independent public sources and traced back to where it came from. It is built for staff, independent, CAT and policyholder-side adjusters who need to line up a claimed date of loss against what the weather actually did.

The problem

Where the usual sources come up short when you need to establish what the conditions were.

The reported date of loss doesn't match the weather

A claim names a storm date, but you have no fast way to check whether wind and rain at that address actually support the reported damage. Pulling raw station data by hand is slow and easy to misread.

Single-source numbers get challenged

A figure from one nearby station is easy to dispute. When wind speed or rainfall comes from just one source, the other side questions the station distance, the timestamp, or the reading itself.

Nearest station is miles from the risk

The closest airport or NWS station can sit well away from the insured property, in different terrain. You need conditions tied to the address, not a generic regional summary.

No clean, traceable record to attach to the file

Screenshots of a weather website don't show where each number came from or what time zone it's in. Adjusters need a paginated report with every value cited, ready to sit in the claim file.

How it's used

Confirm a storm claim

A policyholder reports wind damage on a given date. Pull the gusts, sustained wind and precipitation at the address for that day and hour to see whether the event supports the reported loss.

Test a questionable date of loss

Run the reported date, then the days around it. If the damaging wind or hail-driving rain landed on a different day, the cited hourly record shows it and helps you place the loss correctly.

Support a subrogation or denial position

Assemble a multi-source, cited record of the conditions at the loss address and time to support a subrogation demand or to document a coverage question. The report documents the cited conditions; you apply the policy and peril analysis.

Give a policyholder-side adjuster the same footing

Independently document that a real weather event occurred at the address on the date claimed, with sources cross-checked, to answer a denial or a lowball on equal terms.

What you get

Every value is cross-checked across independent public sources and cited back to its origin.

Wind, gusts and rain reconciled across sources

Temperature, wind speed and direction, peak gusts, precipitation, cloud cover, humidity, visibility and pressure are pulled from ERA5 reanalysis, NOAA/NWS station records and personal weather stations, then cross-checked against each other so no single number stands alone.

Tied to the exact address, to the minute

Search an address or intersection or drop in GPS coordinates, then pick the date and time to the minute in the location's own local time. The record is anchored to the risk, not a distant regional station.

A cited PDF for the claim file

A clean, paginated report: a one-page visual summary, a per-source comparison table, an hourly table and per-station detail. Every value is traceable to the source it came from, ready to attach to the file.

Sun and moon position, terrain-aware

Altitude, azimuth, sunrise, sunset and phase for the same place and moment, with local terrain and nearby buildings factored into whether the sun or moon was above the visible horizon at the site.

How it works

  1. Enter the address and date of loss

    Search the property address or intersection, or paste GPS coordinates. Set the date and time to the minute in the site's local time.

  2. Sources are pulled and cross-checked

    Conditions.Site reconciles the weather across ERA5 reanalysis, NOAA/NWS station records and personal weather stations, and computes sun and moon position for that place and moment.

  3. Download the cited report

    Get a paginated PDF with a visual summary, a per-source comparison, an hourly table and per-station detail. Every value cites its origin. Saved to your report history.

Frequently asked questions

What was the wind speed at this address on the date of loss?
Enter the property address and the date and time, and Conditions.Site returns sustained wind speed, direction and peak gusts for that place and hour, reconciled across ERA5 reanalysis, NOAA/NWS station records and personal weather stations. Each figure cites the source it came from so you can see how the sources compare.
How do I verify the date of loss on a storm claim with weather data?
Run a report for the reported date, then for the days around it. The hourly tables show when the damaging wind, gusts or precipitation actually occurred at the address, which either supports the reported date or points to a different one. Values are cited to their sources so the timing is traceable.
Can I get a cited weather report for a specific property insurance claim?
Yes. Each report is generated for a single address and time and includes a per-source comparison table, an hourly table and per-station detail, with every number traceable to its origin. The paginated PDF is built to sit in the claim file.
How does it cross-check the reported storm date against multiple sources?
For each value it pulls from several independent public sources: ERA5 reanalysis, NOAA/NWS station records and nearby personal weather stations. It shows them side by side. When the sources agree, that strengthens the record; where they differ, you can see it and judge for yourself.
Can I use this to dispute an insurance denial or support a subrogation claim?
Adjusters on both sides use the reports to document the conditions at the loss address and time with cited, cross-checked sources. Note that reports are modeled estimates assembled from public data for informational use. They are well-sourced and defensible, but not a guarantee of actual conditions and not a legal opinion.
What does it cost?
The free tier gives you 5 full reports a month with no credit card. Unlimited reports are $19.99 per year. Every report, on either tier, is fully cited and saved to your account history.

Line up the claim against the weather

Generate a cited, multi-source record of the conditions at the loss address and time, ready for the file. Start free with 5 reports a month. No credit card.

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Related uses

Forensic Meteorologists → Storm-Damage Contractors → Delay Claims →

Conditions.Site reports are modeled estimates assembled from cited public data sources for informational use; they are not a guarantee of actual conditions.