Understory

Understory is an insurtech company headquartered in Madison, Wisconsin (founded 2012) that combines its own network of ground-truth Dot weather sensors with a proprietary weather risk model to underwrite parametric insurance against severe weather, including hail coverage for automotive dealership open lots and agricultural weather risk. Its UnderstoryOS platform covers broker management, pricing and quoting, and automated weather-triggered claims. Understory publishes no public API or developer portal; the platform is offered to insurance partners rather than as a self-service developer product.

Understory is profiled on the APIs.io network. Tagged areas include Company, Climate, Insurance, InsurTech, and Weather.

🌐 Visit website 📡 Source on GitHub
13.9/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyClimateInsuranceInsurTechWeatherParametric InsuranceSensors

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 13.9/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/understory: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Understory Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: understory
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/understory.png
name: Understory
description: Understory is an insurtech company headquartered in Madison, Wisconsin (founded 2012) that combines its own network
  of ground-truth Dot weather sensors with a proprietary weather risk model to underwrite parametric insurance against severe
  weather, including hail coverage for automotive dealership open lots and agricultural weather risk. Its UnderstoryOS platform
  covers broker management, pricing and quoting, and automated weather-triggered claims. Understory publishes no public API
  or developer portal; the platform is offered to insurance partners rather than as a self-service developer product.
url: https://raw.githubusercontent.com/api-evangelist/understory/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- true-ventures
x-tier: stub
x-tier-reason: no-public-api-surface
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Climate
- Insurance
- InsurTech
- Weather
- Parametric Insurance
- Sensors
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://understoryweather.com/
- type: TermsOfService
  url: https://understoryweather.com/terms
- type: PrivacyPolicy
  url: https://understoryweather.com/privacy
- type: LLMsTxt
  url: llms/understory-llms.txt
- type: DomainSecurity
  url: security/understory-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 3
  pass: local-v1