{"id":5579,"date":"2019-05-24T11:43:06","date_gmt":"2019-05-24T11:43:06","guid":{"rendered":"https:\/\/in4mo.com\/?p=2554"},"modified":"2024-11-24T16:30:54","modified_gmt":"2024-11-24T14:30:54","slug":"how-drones-are-reshaping-the-traditional-insurance-claims-process","status":"publish","type":"post","link":"https:\/\/www.in4mo.com\/support\/how-drones-are-reshaping-the-traditional-insurance-claims-process\/","title":{"rendered":"How drones are reshaping the traditional insurance claims process"},"content":{"rendered":"<p><strong>Samara Al-Tekreeti<\/strong><br \/>\nMarketing Operations @ in4mo<br \/>\nPublished on May 24, 2019 | 3 mins read<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-9643 alignright\" src=\"https:\/\/in4mo.com\/wp-content\/uploads\/sites\/2\/2023\/01\/photo-1504890001746-a9a68eda46e2.jpeg\" alt=\"Drone\" width=\"339\" height=\"250\" \/>These little unmanned flying objects are no longer restricted to only one segment, and use cases include:<\/p>\n<ul>\n<li>Delivery of goods to your home<\/li>\n<li>Filming in the movie industry<\/li>\n<li>Exploration of natural resources<\/li>\n<li>Industrial inspections<\/li>\n<li>Delivery of medical help in disaster areas<\/li>\n<\/ul>\n<p>Drones are also starting to play a major role in the insurance industry, especially for underwriting and property claims.<\/p>\n<p>For instance, insurance companies can use drones for:<\/p>\n<ul>\n<li>Roof damage inspection:<br \/>\nRoofs are considered one of the hardest places to do an inspection; the activity is risky for inspectors, especially if the roof has a steep slope.<br \/>\nNowadays, insurance inspectors can use drones to fly over a building and capture the smallest details of a damaged area, from the safety of the ground.<\/li>\n<li>Post-disaster assessments (flood, earthquake or wildfire):<br \/>\nThese places tend to be unreachable or may be restricted by civil authorities for a few days. A drone can fly without any need for an airport or special permission, and capture detailed pictures to assess any damage<\/li>\n<li>Fraud monitoring:<br \/>\nFor example, you can compare images before and after a hurricane to consider only those claims caused by that natural event.<\/li>\n<\/ul>\n<h2><strong>Insurance benefits in multiple ways<\/strong><\/h2>\n<p>Using drones can greatly impact insurance companies\u2019 business:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Reducing claims costs:<br \/>\nInstead of sending several inspectors to inspect the roofs in a damaged area, you can send a drone operator to make all the assessments in one visit<\/li>\n<li>Enabling faster interventions:<br \/>\nNo need to wait for inspectors to arrive at the site, you can have the drone in place whenever you need it<\/li>\n<li>Reducing injury risks:<br \/>\nReaching inaccessible places safely; for instance, after fire or storms.<\/li>\n<li>Providing more detailed data:<br \/>\nDrones provide a great amount of precise data to make insurers\u2019 and inspectors\u2019 work easier<\/li>\n<li>Improving customer satisfaction:<br \/>\nBy making the claims handling process easier and faster<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Those benefits are undeniable, but it doesn\u2019t mean that adding drone capabilities to an insurance operation is easy.<\/p>\n<h2><strong>Some challenges remain\u2026<\/strong><\/h2>\n<p>Capturing data is great, but it\u2019s not enough.<br \/>\nInsurance companies need tools to seamlessly integrate the images, videos, and related data captured by drones into their workflows.<br \/>\nThey also need new tools to analyse this rich data and, for instance, automatically estimate the damages<\/p>\n<p>Heavy regulation can be a stumbling block:<br \/>\nIn some countries drones are easy to get and use, while in others regulations are getting more and more restrictive.<br \/>\nAnother area of concern is finding qualified drone operators and integrating them into the insurance workflow.<\/p>\n<h2><strong>Conclusions<\/strong><\/h2>\n<p>There is no doubt that drones can greatly benefit insurance claims and underwriting operations.<br \/>\nThe technology is constantly improving and getting cheaper, the saving of cost and time is obvious, and the data captured could even feed new products driven by artificial intelligence technologies.<\/p>\n<p>How can we do it?<br \/>\nCreating own specialised drone teams is of course possible for the bigger insurance companies; cost and usage are the most likely issue in that scenario.<br \/>\nAdding drones into the loss adjuster toolbox would help deploy these capabilities faster, but would require clear process and training to do right.<br \/>\nIntegrating third party drone operators into an insurance partner network is the most flexible way to deliver the promised benefits, but at a cost.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-9653\" src=\"https:\/\/in4mo.com\/wp-content\/uploads\/sites\/2\/2023\/01\/photo-1489941277464-ab2c0791aaa7.jpg\" alt=\"Ariel picture\" width=\"563\" height=\"315\" \/><\/p>\n<p>Learn more:<\/p>\n<ul>\n<li><a href=\"https:\/\/blog.dronedeploy.com\/drones-are-becoming-an-essential-tool-for-insurance-claims-3f176bb70a0e\" target=\"_blank\" rel=\"noopener noreferrer\">Drones are Becoming an Essential Tool for Insurance Claims<\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Samara Al-Tekreeti Marketing Operations @ in4mo Published on May 24, 2019 | 3 mins read These little unmanned flying objects are no longer restricted to only one segment, and use cases include: Delivery of goods to your home Filming in the movie industry Exploration of natural resources Industrial inspections Delivery of medical help in disaster&#8230;<\/p>\n","protected":false},"author":9,"featured_media":5810,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[104,110,71],"class_list":["post-5579","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-claims-process","tag-drones","tag-insurance-industry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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