Coverage & Trigger FAQs

How exactly is rainfall assessed?

Rainfall triggers are based on three criteria, all of which must be met for a payout to occur:

flowchart TB
 A[Rainfall Assessment] --> B[Coverage Window]
 A --> C[Rainfall Amount]
 A --> D[Duration Requirement]
 B --> E{All Three<br/>Met?}
 C --> E
 D --> E
 E -->|Yes| F[Payout<br/>Triggered]
 E -->|No| G[No<br/>Payout]

 style A fill:#e1f5ff
 style B fill:#fff4e1
 style C fill:#fff4e1
 style D fill:#fff4e1
 style E fill:#f3e5f5
 style F fill:#e8f5e9
 style G fill:#ffebee

The Three Criteria

Criterion	Description
Coverage window	Defined start and end time for coverage
Rainfall amount	Total rainfall must exceed the threshold
Duration	Rainfall must occur over a defined duration within the window (consecutive or non-consecutive)

All Three Required
All three criteria must be met for a payout to occur. Meeting one or two criteria is not sufficient.

If it rained, why might the customer not be paid?

There are several reasons why rain may have occurred but a payout wasn't triggered:

flowchart TB
 subgraph Reasons["Possible Reasons"]
 direction TB
 A["Rain didn't meet<br/>amount threshold"]
 B["Rain didn't meet<br/>duration requirement"]
 C["Rain occurred<br/>outside coverage window"]
 D["Weather station data<br/>differs from location"]
 end

 style A fill:#ffebee
 style B fill:#ffebee
 style C fill:#ffebee
 style D fill:#ffebee

Common Scenarios

Scenario	Explanation
Light rain	Rain may have fallen but not reached the amount threshold
Brief shower	Rain may have been heavy but not for the required duration
Outside window	Rain may have occurred before or after the coverage period
Location difference	Rain at the event location may differ from the nearby weather station

Weather Station Data
WeatherIt uses data from official weather stations. It's technically possible for rain to fall at the customer's event location while the nominated nearby weather station records different conditions—or vice versa.

Does customer perception of "bad weather" affect outcomes?

No. Trigger assessment is based on objective, measured weather data—not customer perception.

Factor	Affects Outcome?
Measured rainfall data	Yes
Customer's observation	No
Whether customer got wet	No
Whether event felt ruined	No

Does it matter if the event or booking still went ahead?

No. Event operation decisions are completely separate from insurance triggers.

flowchart LR
 A[Trigger<br/>Conditions] --> B{Met?}
 B -->|Yes| C[Payout Occurs]
 B -->|No| D[No Payout]

 E[Event<br/>Proceeded?] -.->|Irrelevant| B

 style A fill:#e1f5ff
 style B fill:#fff4e1
 style C fill:#e8f5e9
 style D fill:#ffebee
 style E fill:#f0f0f0

Key Points

If trigger conditions are met, payout occurs regardless of whether the event proceeds
As long as the customer does not cancel the event, they can choose to stay home or attend
They will be paid for the coverage days where rainfall levels trigger a claim

Customer Choice
Customers don't need to "prove" the weather affected them. If trigger conditions are met, payout is automatic.

What data sources does WeatherIt use?

WeatherIt uses authoritative weather data from official sources:

Aspect	Source
Data provider	Official weather stations
Coverage	Comprehensive network
Accuracy	Industry-standard measurement
Independence	Third-party verified

Don't Speculate
Partners should not speculate about weather data or trigger outcomes with customers. If there's a question, escalate to WeatherIt.

Triggers are objective and rules-based. This ensures fair, consistent outcomes for all customers.