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The Future of Insurance Claim Adjusting Lies in Drones
(Image:Kespry)

The Future of Insurance Claim Adjusting Lies in Drones

Technology continues to transform industries, and the insurance industry is one of them. An example of such transformation is using drones to assess the damages for insurance claims. The birds eye view of drones makes the process easier, safer and faster.

How Drones Can Be Used

Heres how drones can be used to assess property damages:

  1. Rooftop inspection

Manual inspection of rooftop can be difficult and dangerous, especially when steep or burnt. However, drones make rooftop inspections easier and safer. They can capture detailed images of the entire roof and sections that cant be manually inspected.

  1. Equipment and Infrastructure inspection

Inspecting large equipment like boilers and pressure vessels can be very challenging for humans. However, drones can easily inspect such equipment despite the dark interior. Moreover, drones can easily inspect damages in larger complex buildings like factories and warehouses.

  1. Large scale property inspections

Manually inspecting large properties can be very time consuming and tiring. However, drones can easily cover large scale areas like farms and manufacturing facilities. Drones may also easily spot damages not visible to humans or only visible from a higher perspective.

  1. Post disaster inspections

Inspecting property after a natural disaster can be very risky. However, inspectors can deploy drones from a safe distance to look for damages without putting themselves at risk.

Drones can also be used to prevent insurance fraud by comparing current images to those taken before a storm. AI techniques can also be used to analyze the images, assess the damages and estimate repair costs.

The Pros of Using Drones for Insurance Claims

  1. They reduce the cost of inspecting properties for claims as fewer workers are needed and the process becomes faster.

  2. It is safer, preventing workers from having to inspect damages in dangerous conditions.

  3. It saves time and money as adjusters can make claim calculations solely based on the detailed images.

  4. Workers are able to focus on the small scope inspections, leaving large and complex inspections to drones.

  5. Less time is needed to inspect properties, making it more convenient for policyholders and improving their overall satisfaction.

The Cons of Using Drones for Insurance Claims

  1. Insurers need to comply with FAA regulations, which places several restrictions. These include a combined weight limit of 55 pounds (including additional devices like camera), only flying during daylight hours, a height limit of 400 feet off the ground, and a speed limit of 100 miles per hour.

  1. The initial cost of setting up a drone can be costly. In addition to the initial cost of buying a drone, insurers also have to draft rules to govern their use, register their drones, train workers to use them and obtain FAA certifications.

  1. There is a risk of third-party lawsuits if the drone should inflict an injury or property damage, or for invasion of privacy. Invasion of privacy may occur if the data collected by the insurer through drones gets leaked, misused or stolen.

Nevertheless, the future for drones is bright and they will continue to be adopted by insurers to make damage assessment easier, faster, safer and more efficient.

Posted by:
March 10, 2020
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