Natural risk expresses a natural disaster (drought, frost, hail) or other origin (fires) whose effect is characterized by the fact that damage can be localized in time and space can quantify and recover through insurance. Hail is a climatic risk, although rarely occurs, can produce in a short time large-scale natural disasters, local or regional depending on the trajectory of Cumulonimbus cloud that caused it. Hail can cause great damage. Damage is defined as any decrease in value or performance of the asset, caused by the action (fraudulent or unintentional), or a disaster.