Scheduled, read-only catastrophe-exposure monitor for insurers. Each run reads the in-force portfolio (policies and insured locations), current event footprints (hurricane, wildfire, earthquake, flood, severe-convective), and modeled-loss data, then computes zone accumulations, single-location and modeled-loss threshold breaches, source freshness, data gaps, and suggested response priorities — deduplicated against the prior run and packaged as an alert queue for a catastrophe-risk / portfolio manager. Use when a scheduled monitor should watch exposure against an active or forecast event, refresh accumulation and PML alerts, flag stale feeds, deduplicate ongoing alerts, or…