Exactly. This "God's Joystick" essentially just gives the insurance industry more data to build more accurate risk models. It's essentially pricing the market m

Exactly. This "God's Joystick" essentially just gives the insurance industry more data to build more accurate risk models. It's essentially pricing the market more perfectly without solving the actual problem itself which is hail. The article should have pointed out to the reader that this should bring premiums down in areas that have so little chance of hail that it is not worth building physical protection. Right now, the data is not granular enough so insurance companies spread the cost over areas that they shouldn't.