The adults are getting in on all the fun when it comes to personal drones. It was only a matter of time before the insurance industry found them useful too when assessing property damage insurance claims. From surveying the damages caused by storms, to inspecting roofs, to taking an inventory on insured crops, the drone has found its place in the business.
Allstate Insurance Company is using drones in Texas to conduct home inspections in the hail swaths. This is an effort to quickly handle more claims. Their plan is to compare the photographs taken by the drones to those already taken by field adjusters on the ground. Their intent is to free up more time for the adjusters to take care of other aspects of the claim all the while staying safer by not climbing ladders and onto roofs. Farmers Insurance says “we’ll get a faster inspection.” They say “it could take an adjuster a few hours to inspect this roof where a drone could do it in 20 minutes.”

Is this truly what is best for the policyholder, a faster inspection? And will this savings in time for the insurance company result in lower premiums for the policyholders? I think we all know the answer to that question. Nothing can replace the human eye when it comes to a thorough inspection of storm caused damage, especially hail damage. A lot of times, it is difficult to depict the damage from photographs taken by an adjuster who is actually on the roof. I can’t imagine that photographs taken using a drone would make this anything but more difficult.

A spokesperson from the Insurance Council of Texas believes that “the ladder might soon be a thing of the past.” Just another reason the policyholder is going to require the services of a licensed public adjuster to get a thorough inspection and estimate of the damages. If your insurance adjuster isn’t going to get on the roof, your public adjuster definitely is.
http://fortune.com/2016/09/02/allstate-drone-home-inspection-insurance/
http://www.star-telegram.com/news/local/community/fort-worth/article142863789.html
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