Natural disasters—such as major storms, hail, and tornadoes, cause immense damage not only to individuals but also to large areas of land involving hundreds or even thousands of properties. Large quantities of loss caused by weather-related perils are usually considered catastrophes by insurance companies.

When these catastrophes occur, insurance companies and their adjusters are spread thin between the hundreds or thousands of claims being filed simultaneously. Because adjusters are handling numerous claims at the same time, they often overlook specific details of each claim, and, inevitably, things fall through the cracks.