All in all, a nice paper on the development of a hail risk model (open source) for buildings and cars in Switzerland; interesting to read, well structured, definitely an added value for the scientific community; even if I did not fully understand the development of the risk model. However, I have one major fundamental critical point (see major comment (1) in the attached pdf) that needs to be clarified before final publication.

Schmid et al. describe the development of a new open-source hail damage model. All aspects are clearly and thoroughly presented: the building of the hail hazard from radar data, its conversion to damages using insurance company claims and exposure, and evaluation of model performance at smaller (1 km²) and aggregate spatial scales. Further, the discussion of model limitations is detailed and objective, providing the reader with some understanding of its weaknesses. The information in this article will be of great benefit to researchers and practitioners in this area.

This reviewer thanks the authors for a well-written article containing lots of new and interesting information, and asks that they consider the points below before finalising their manuscript for publication.