Drone Technology | Shelter Insurance®

How Drone Technology Assists Claims Adjusters

Image: Drone flying with house in background.

Claims adjusters have a difficult job, particularly when adjusting claims that involve a roof. In the not-so-distant past, an adjuster might have had to climb a ladder to get up on a roof while carrying a camera, clipboard and pen. Once on the roof, they have to get an accurate record of the damage to make sure the customer’s claim is handled properly. Today the use of insurance inspection drones—also known as unmanned aerial vehicles (UAVs)—has helped lower the risk adjusters face when inspecting damage.

How Drones Help
Once seen as cutting-edge technology, the use of drones is becoming more popular. These aren’t your average run-of-the-mill drones—they are capable of using in-flight intelligence to report back to claims adjusters. Claims adjusters control the drones from the ground, and because of this, they receive special training on how to use them. When training is completed, they are drone pilots.

Using drones, adjusters can look at a single roof or an entire neighborhood to assess widespread damage, capturing large amounts of data in a matter of minutes. They fly around the entire property and measure the roof, providing a full 3-dimensional measurement of the roof, and use in-flight intelligence to send the information they find. The information tells the adjuster if hail damage was found and the extent of the damage so the adjuster can determine whether to replace the shingles or recommend other repair options. The adjuster will write the damage estimate—without the need to climb onto the roof.

It’s important to note that drones are not meant to be a replacement for human adjusters. Human knowledge and judgement is still required, and that’s something that can’t be replaced by artificial intelligence. Drones just help them work in a safer, more efficient manner.

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