# Understory

**Canonical:** https://apis.io/providers/understory/  
**Website:** https://understoryweather.com/  
**APIs profiled:** 0

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.

## Kin Score — 9.1 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.1).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 21.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Understory Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Climate, Insurance, Insurtech, Weather, Parametric Insurance, Sensors

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/understory/). Scores are computed from the provider's own public artifacts under a published rubric.