The Madison startup began with a clever weather station and a consumer product nobody could use. Its second act turns ground-level storm data into insurance - and gives customers a reason to act before the hail arrives.
Most insurance waits for proof of loss. This Austin startup watches for the event itself - then turns a dark grid, a flooded home or a brutal deductible into a faster, prearranged path to cash.
Arbol turns rainfall, wind speed and temperature into financial triggers. Its wager is that climate insurance can move faster when the argument over damage is replaced by a line in the data.