WILDFIRE CLAIM INSPECTIONS
Drone Maps Provide Richer Data and Unparalleled Analysis
Drones Offer Safety and Accessibility at Damaged Sites
Drone-generated Maps and Models Shave Weeks Off Damage Assessments
Insurance inspectors: Use drone data as a way to streamline inspection claims by quickly and comprehensively assessing damage to property, homes, and commercial real estate.
Agriculture insurance: In the case of agricultural insurance, gather a complete picture of an entire field so that you can make the most accurate damage assessment.
Roof Damage Inspections. One of the most common uses for drones by insurers is rooftop inspections. Roofs are notoriously difficult and hazardous to inspect. An inspection is particularly dangerous if a roof is steep or has suffered fire damage. Rather than climb onto the roof to take pictures, an adjuster can use a drone equipped with a camera. Cameras used on drones can capture very detailed images. Moreover, a drone can photograph the entire roof, including parts of the structure that aren't accessible to a human.
Other Damage Inspections. Drones are useful for inspecting damage to large structures, such as warehouses.
Boiler Inspections. States laws require periodic inspections of boilers and pressure vessels. Some insurers that write equipment breakdown insurance will conduct these inspections for policyholders and other businesses. Commercial boilers can be several stories high. They are difficult to inspect because of their size and dark interior. Drones make the inspection process easier, faster, and safer. They eliminate the need for both scaffolding and humans inside the boiler.
Post Disaster Claims Inspections. Drones are valuable for inspecting areas affected by a major disaster, such as a flood or earthquake. Access to a disaster area may be restricted by civil authorities for several days. Even if access isn't restricted, the area may be too dangerous for adjusters to enter. Adjusters can use camera-equipped drones to capture still photos or videos of damaged property. These photos may be used to process claims.
Insurance Inspections. One use for drones is to conduct property insurance inspections. Drones are particularly useful if the insured property is extensive or difficult to reach. For example, a crop insurer might use a drone to inspect a farmer's crops. Certain issues may be easier to spot from the air than from the ground. A drone's camera can be equipped with special lenses to detect problems that aren't visible to the human eye.
Fraud Monitoring. Drones may also be used to deter insurance fraud. When a hurricane or other event occurs, some policyholders file claims for damage that existed before the event took place. Insurers can disprove some claims by comparing drone camera images taken before the event with those taken after it has occurred.