[ For Insurers · Reinsurers · Lenders ]

You Underwrite Risk You Cannot See.

You price 25+ years of module risk — hail, fire, degradation — with almost no module-level data. Claims run slowly because the parties often lack a shared module-level record of what changed, when it changed — and how much electrical performance was lost.

SunSniffer is the missing evidence layer: a continuous, timestamped module-level performance history before and after an event — supporting faster scoping, targeted inspection, evidence-based claim review, and ongoing risk pricing.

See Module-Level Evidence in Action Book an Insurer Briefing

54.2%

of recorded PV loss costs: hail · IEA PVPS

25–30 yr

warranty terms you underwrite

Day 1

TrueSTC baseline on record

Claim evidence · hail event

Mar 12 · 14:32 CET · timestamped

▸ What the data seesWhat the eye sees — all identical

Modules flagged 0 / 60Mean deviation −18% · measurable, not visible

Module voltage · 24 h windowhealthypost-event change

14:32 · hail event

Deviation begins at the event timestamp — timestamped, decision-grade correlation.

Without data

Initial total-loss assumption · 100% of array

With evidence

Settle 11 modules · 18%

The insurance gap

From underwriting to claim — visibility is minimal at every step.

Conventional View

SunSniffer-Enabled View

Performance baseline

Conventional ViewNone on record

SunSniffer-Enabled ViewTrueSTC + 15-sec data from day 1

Hail damage assessment

Conventional ViewPeriodic visual or thermal inspection

SunSniffer-Enabled ViewModule-level before/after quantification

Claim settlement basis

Conventional ViewTotal-loss declarations

SunSniffer-Enabled ViewEvidence-based scope review

Degradation proof

Conventional ViewNameplate assumption

SunSniffer-Enabled ViewMeasured TrueSTC curve per module

Serial-defect detection

Conventional ViewAfter the loss event

SunSniffer-Enabled ViewFleet-wide, at batch level, early

Fire risk monitoring

Conventional ViewPeriodic inspections

SunSniffer-Enabled ViewContinuous DiodeVital data

Underwriting basis

Conventional ViewIndustry averages

SunSniffer-Enabled ViewPer-asset risk scoring

Claims evidence

Conventional ViewSlow, disputed adjustment

SunSniffer-Enabled ViewTimestamped, decision-grade evidence

Sources · 2025/26

IEA PVPS (2025) — hail: 1.4% of recorded incidents, 54.2% of recorded loss costs (2018–2023); the four largest events exceeded USD 224 m. Report T13-33:2025, p. 26
AXIS Capital (2026) — 1.3 m modules damaged by hail 2019–2025, $342 m gross claims.
Swiss Re (2026) — severe convective storms: $51 bn insured losses in 2025 alone.
kWh Analytics Solar Risk Assessment (2026).

Three claim types · one evidence layer

Every major loss type, covered by the same record.

SunSniffer creates a permanent, high-resolution performance record for every insured asset — before any claim event occurs.

Claims

Hail damage — evidence-based scope review

Hail can leave modules looking intact while their electrical performance changes. SunSniffer compares the module-level history before and after the event — which monitored modules changed, by how much, and whether the loss persists or grows. Targeted inspection is added when the physical cause must be confirmed. Instead of a total-loss declaration, the insurer receives a prioritized report of the modules showing a material post-event performance change.

Underwriting

Fire risk — continuous diode monitoring

DiodeVital monitors bypass diode switching behaviour continuously inside every junction box. A SunSniffer-monitored plant has a demonstrably lower fire risk profile — with the data to prove it.

Warranty

Warranty underperformance — objective review

25–30 year performance guarantees are priced against nameplate STC — and disputed against it. TrueSTC is measured from the agreed baseline and re-measured continuously: a claimed underperformance is screened per module from the existing record, in minutes — before any targeted site inspection required by the contract.

TrueSTC for warranty & reinsurance

You insure a 25-year promise nobody ever measures.

PV warranty and reinsurance products price long-tail degradation risk against the manufacturer's nameplate STC — a lab value from before shipping. TrueSTC creates a repeatable STC-equivalent comparison value and a continuous performance history for every monitored module, starting from the agreed baseline.

MODULE PERFORMANCE · % OF DAY-1 TRUESTC · 30 YEARSnameplate assumptionmeasured TrueSTC · fleetZone 1 batchwarranty threshold

Every point is a measured clear-sky TrueSTC value — not an extrapolation.Recourse documented · batch, serials, timestamps

Pricing

Price the risk, not the average

Degradation risk becomes measurable per plant, per climate, per module batch — replacing flat statistical assumptions across a 25–30 year term.

Claims

Screen the claim in minutes

An underperformance claim is screened per module against the measured baseline and the continuous record — before any targeted site inspection required by the contract.

Portfolio

Catch serial defects early

Batch-level deviation is visible fleet-wide long before it accumulates into a reinsurance-scale event — and documented for recourse against the manufacturer.

Ray for insurers

Turn raw data into instant answers.

Ray is your claims analyst — a conversation connected to every module's performance history. It compares the history, event timing, configured thresholds and available contract rules, and prepares the claim review; the insurer or responsible expert decides.

You ask in plain language

No data requests, no waiting for loss adjusters’ site visits.

Ray reads the performance history

Every module, before and after the event — the full record.

You get a grounded answer

Quantified performance change, prioritized scope, prepared claim-review documents.

TRY A QUESTION

RAY · PLANT ANALYSTlive plant data

How much do the modules in this plant degrade per year?

R

Field-measured degradation against the TrueSTC baseline:

·Fleet average — within warranty curve−0.42% /yr

!38 modules · Zone 1 — degrading faster−0.9% /yr

·Measured over 4 years of module-level data

Field-validated — not a datasheet assumption.

Strategic value

Lower loss ratios. Better pricing. More capacity.

Claims severity reduction

Scope claims to the modules showing a material change. Major impact on the hail-driven majority of solar losses.

Underwriting differentiation

Supports differentiated underwriting — monitored plants come with demonstrably better data for pricing decisions.

Reinsurance advantages

Data-rich portfolios support reinsurance discussions — monitored, data-sharing plants can be assessed on evidence instead of averages.

Long-term performance risk

Field-validated degradation curves reduce uncertainty on long-term guarantees.

Future potential

Continuous module-level data opens the door to index-based settlement approaches as the industry matures.

Result

Lower loss ratios, more accurate pricing, reduced capital requirements, and the ability to underwrite more solar capacity with confidence.

From invisible to measurable

Turn invisible risk into measurable opportunity.

SunSniffer gives you the objective, module-level evidence you have never had before.

See Real Module-Level Evidence Book an Insurer & Reinsurer Briefing