Weather Discrepancy Alert API

The Weather Discrepancy Alert API is a licensable product that enables you to access weather detail by a programmatic interface. Given access to this API, you can submit the loss date and weather details for a claim and verify whether the details as stated match the events that were recorded near the loss location during a five-day span; specifically, on each of the two days preceding the loss date, on the loss date itself, and on each of the two days following the loss date.

You might use the returned data as input to your decision-making software, which in turn might fast-track a claim or make the claims available for special processing. A mismatch in weather detail might mean that the recorded claim data is inaccurate or even fraudulent, warranting closer investigation.

If you've licensed both Guidewire Canvas and Weather Discrepancy API, an adjuster or other user who receives a questionable claim on the basis of an API call can use Canvas to view interactively the loss location during the five-day span of interest. The adjuster might make immediate changes to parameters such as the radius of the area being inspected, might change from street view to satellite view, might zoom in or out, and might consider weather events that were not included in the API call.

In summary: Your organization can invoke the API once or repeatedly to get the information of interest and then use Canvas to see variations quickly.

Details on specific perils such as hail or lightning depend on your geographic region, as noted at the end of the following section: Layers.

Note: The Weather Discrepancy Alert API is at version 2.0. You can specify that version by adding the following text to the end of the URL: /2/0. However, Guidewire recommends that you specify only the major version (/2) so that you'll receive minor (non-breaking) updates automatically.

If you don't specify a version at all, your access defaults to the most recent version published.

Input

Wrapper Key Value Format Necessity Note
RecordId Row key Optional
Input address The location of the purported loss in standard street address form Text Required only if latitude and longitude are not provided.

However, to avoid an error, send at least a null.

In the absence of a valid latitude and longitude, the address is geocoded to specify the location's latitude and longitude.
Input claimNumber

A business-recognizable ID of the claim to be scored

 Text Optional Passed through for use downstream.
Input date The date of the purported loss Date, preferably in YYYY-MM-DD format. Required

Use YYYY-MM-DD if possible, though any recognizable date format is valid. Ambiguous notation is interpreted as representing an American date format. For example, 2/1/2024 is interpreted as 1 February and not 2 January. For 2 January, an unambiguous notation is 2024-01-02.
Input latitude The geocoded latitude of the purported loss Float Optional Valid latitude-longitude pairs are preferred in place of addresses. Valid latitudes range from -90 to 90. A value of 0 is prohibited.
Input longitude The geocoded longitude of the purported loss Float Optional Valid latitude/longitude pairs are preferred in place of addresses. Valid longitudes range from -180 to 180. A value of 0 is prohibited.
Input lossCause The cause of the purported loss Text Optional Valid inputs are Hail, Lightning, Smoke, Tornado, Wildfire, and Wind. For other inputs, data outputs are provided but no match of loss causes is feasible, so the value of lossCause is None. That restriction might effect the business outcome or rule being applied.
Input noticeDate The date of the first notice of loss; that is, the date that the claim was reported Date, preferably in YYYY-MM-DD format Optional Use YYYY-MM-DD if possible, though any recognizable date format is valid. Ambiguous notation is interpreted as representing an American date format. For example, 2/1/2024 is interpreted as 1 February and not 2 January. For 2 January, an unambiguous notation is 2024-01-02.
Input searchRadius The search radius for the historical weather assessment, in meters Integer Optional; but to avoid an error, send at least a null. A default radius of 1,000 meters is used unless searchRadius is an integer between 1 and 10,000. Consider whether a larger search radius has business value that outweighs the likely extra time needed to score the input.
Options IncludeTiming true or false, indicating whether to echo the request data in the response Boolean Optional; the value by default is false.
Options IncludeInput true or false, indicating whether to include, in the response, the amount of time that was taken to score the request Boolean Optional; the value by default is false.
Here's an example input: 
{
   "RecordId": "Example5025",
   "Input": {
      "address": "Malibu, California, USA",
      "claimNumber": "2025-0000614",
      "date": "2025-01-05T16:00:00+00:00",
      "latitude": "",
      "longitude": "",
      "lossCause": "Wildfire",
      "noticeDate": "2025-05-08T14:58:32.732+00:00",
      "searchRadius": 10000
   },
   "Options": {
      "IncludeTiming": true
      "IncludeInput": true
   }
}

Output

Wrapper Key Value Format Note
None TransactionId A unique identifier generated by the Scoring Service for this transaction. 36-digit text
None RecordId The value of RecordId from the request. Text Is returned only if RecordId was in the request
Output versionid Text The major version number of the solution, as described in the next row
Output revisionId Text The minor version number of the solution such that, if the version number is 2.​1.​3, the major is 2 and the minor is 1
Output solutionRisk The category of risk associated with the output. Text The following results refer to the riskiness of the match found between the details (cause, date, and location) of the purported loss and the observed historical weather within the search radius:
  • low means an exact match
  • medium indicates a fuzzy match; the relative riskiness might be because of a low geocoding confidence
  • high means no match
Output solutionMessage The textual description associated with solutionRisk. Text The defaults are as follows and can be altered upstream (by Guidewire Services) or downstream (by your organization):
  • for low:

    'Loss cause of ' + standardLossCause + ' matches observed weather at claimed location and date'

  • for medium 'Loss cause of ' + standardLossCause + ' does not match observed weather at claimed location and date, but severe weather occurred at nearby location and/or date' OR 'Claim location could not be geocoded with confidence'
  • for high: 'Loss cause of ' + standardLossCause + ' does not match observed weather at claimed location and date'
Output solutionAction The business recommendation associated with the value of solutionRisk. Text The defaults are as follows and can be altered upstream (by Guidewire Services) or downstream (by your organization):
  • for low:

    'Investigate in Guidewire Live Canvas and confirm loss details'

  • for medium 'Investigate in Guidewire Live Canvas and confirm loss details' OR 'Investigate in Guidewire Live Canvas and confirm loss location details'
  • for high: 'Proceed as usual (or fast track)'
Output radius The radius used for the historical weather assessment. Integer Uses searchRadius, which is between 1 and 10,000 meters. The default is 1,000 meters
Output latitudeUsed

The latitude used for the historical weather assessment

Float between -90 and 90

See geocodeSource
Output longitudeUsed

The longitude used for the historical weather assessment

Float between -180 and 180

See geocodeSource
Output determineMatch Result of comparing claimed loss date, location and cause to observed weather history Text geoCodeIssue if no valid geocode; else match if full match; else fuzzyMatch if severe weather occurred nearby in place or time; else misMatch
Output standardLossCause Loss cause standardized to perils in weather history Text Hail, Lightning, Smoke, Tornado, Wildfire, or Wind; else none
Output geocodeSource Source of latitudeUsed and longitudeUsed Text requestPayload if valid lat/long pair provided; else geocodeService if address successfully geocoded; else none
Output url_ (a prefix for multiple attributes) URL for a visual representation of the weather conditions, for dates that are at or near the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 Text
Output noticeDateString Date of first notice of claim Text (YYYY-MM-DD) Passed through (if provided) in standard format for downstream use
Output dateString_ (a prefix for multiple attributes) Dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 Text (YYYY-MM-DD)

Provided in standard format for downstream use
Output hailDistance_ (a prefix for multiple attributes) Distance from the nearest severe hail, in meters, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 String
Output hailValue_ (a prefix for multiple attributes) A status value, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 Float In half-inch or one-cm increments, depending on the value of hailUnits
Output lightningDistance_ (a prefix for multiple attributes) Distance from the nearest lightning strike, in meters, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 String
Output lightningValue_ (a prefix for multiple attributes)

UNIX time (UTC seconds since 1970-01-01)

, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 Text
Output tornadoDistance_ (a prefix for multiple attributes) Distance from the nearest tornado, in meters, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 String
Output tornadoValue_ (a prefix for multiple attributes) A value from

0 to 6 on the Enhanced Fujita scale

, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 Integer
Output wildfireDistance_ (a prefix for multiple attributes)

Distance in meters from nearest wildfire watch zone

, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 String
Output windDistance_ (a prefix for multiple attributes) Distance from nearest severe wind, in meters, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 String
Output windValue_ (a prefix for multiple attributes)

Speed of nearest severe wind

, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 Integer

In 5-mph or 10-kph increments, depending on

the value of windUnits.
Output hailUnits Units of hail measurement Text inches or cm depending on location; else, if no hail observed, none.
Output windUnits Units of wind measurement Text mph or kph depending on location; else, if no wind observed, none
Output smokeUnits Units of smoke measurement Float mg/m2
Output smokeDistance_ (a prefix for multiple attributes) Distance from the nearest smoke event, in meters, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 String
Output smokeValue_ (a prefix for multiple attributes)

A measure of smoke intensity in milligrams per square meter, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:

  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 Float
Output satelliteTornadoDistance_ (a prefix for multiple attributes) Distance from the nearest tornado seen by satellite, in meters, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 String
Output satelliteTornadoValue_ (a prefix for multiple attributes) A value from

0 to 6 on the Enhanced Fujita scale

, as presented for dates that are at or near to the claim's purported loss date. The attribute names end as follows:
  • LossDate
  • 1DayPrior
  • 2DaysPrior
  • 1DayAfter
  • 2DaysAfter
 Integer
Output locationType One of the following values, which indicate the precision and method of geocoding for a location:
  • ROOFTOP is the highest level of accuracy, indicating that the returned result reflects a geocode accurate down to a specific street address or building
  • RANGE_INTERPOLATED indicates that the returned result reflects an approximation, typically on a road, interpolated between two precise points such as intersections, as usually occurs when rooftop geocodes are unavailable for a street address
  • GEOMETRIC_CENTER indicates that the returned result is the feature's geometric center such as a polyline (for example, for a street) or a polygon (for example, for a region)
  • APPROXIMATE indicates that the returned result is approximate and less precise than the other types, as might occur when the geocoder cannot precisely match the input address
 Is null if the value of geocodeSource is requestPayload.
None

ExecutionDurationMicros

 The number of microseconds it took to execute the solution. Decimal number Is returned only if IncludeTiming was true in the request
None Errors An array of error objects, each containing the following eight text fields followed by a Meta object that might have further detail:
  • Code: the category of error.
  • Title: the human-readable title for this category of error.
  • Detail: description of the error.
  • Phase: the part of the solution lifecycle during which the error occurred.
  • Domain: the most specific characterization of when the error occurred, whether Field, Transformer, Solution, or Unknown
  • TransformerId: The unique identifier of the transformer in which the error occurred, if available.
  • FieldId: The unique identifier of the field in which the error occurred, if available.
  • FieldName: The name of the field in which the error occurred, if available.
Here's an example output, including the original RecordId field and Input object:
{
   "RecordId": "Example5025",
   "Input": {
      "address": "Malibu, California, USA",
      "claimNumber": "2025-0000614",
      "date": "2025-01-05T16:00:00+00:00",
      "latitude": "",
      "longitude": "",
      "lossCause": "Wildfire",
      "noticeDate": "2025-05-08T14:58:32.732+00:00",
      "searchRadius": 10000
   },
   "Output": {
      "versionID": 2,
      "revisionID": 2,
      "solutionRisk": "medium",
      "solutionMessage": "Claim location could not be geocoded with confidence",
      "solutionAction": "Investigate in Guidewire Live Canvas and confirm loss location details",
      "radius": "10000",
      "latitudeUsed": 34.0380585,
      "longitudeUsed": -118.6923438,
      "determineMatch": "geoCodeIssue",
      "standardLossCause": "Wildfire",
      "geocodeSource": "geocodeService",
      "url_1DayAfter": "https://peril-history-svc.live.guidewire.net/image",
      "url_1DayPrior": "https://peril-history-svc.live.guidewire.net/image",
      "url_2DaysPrior": "https://peril-history-svc.live.guidewire.net/image",
      "url_2DaysAfter": 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   "ExecutionDurationMicros": 2833414.7
   "Errors": []
}