Everywhere you turn these days the talk is drones, drones, drones. They supposedly have a million and one uses, including, we’re told, by Amazon for the delivery of packages. I’m dubious that Amazon will ever be dropping books from the sky onto my front porch. The awesome guy who delivers my newspaper every morning virtually always misses the driveway. And he’s throwing the paper from ten feet away -- and while on Earth.
In any event, while Amazon’s use of drones may be a ways away, the insurance industry’s is not. In fact, the day has come. There have been lots of headlines lately about various insurers being granted permission by the FAA to use drones in the claims and underwriting processes. Of course, for those of us who do work for insurers -- as employees or outside providers; which is practically everyone reading this – these stories have generated some unfortunate headlines, such as this one:
Such headlines aside, drones seem to have some legitimate uses for insurers. Consider this lede paragraph from an April 9th story posted on engadget.com under the headline “FAA Allows AIG To Use Drones For Insurance Inspections:” “The Federal Aviation Administration has been rather stingy when it comes to giving companies the OK to test, let alone employ, drones. After getting permission this week, AIG joins State Farm and USAA as insurance providers with exemptions that allow them to use the UAVs [unmanned aerial vehicles, i.e., technical term for drones] to perform tasks that are risky to regular folks -- things like roof inspections after a major storm. In addition to keeping its inspectors safe, the company says drones will speed up the claims process, which means its customers will, in theory, get paid faster. ‘UAVs can help accelerate surveys of disaster areas with high resolution images for faster claims handling, risk assessment, and payments,’the news release explains. They can also quickly and safely reach areas that could be dangerous or inaccessible for manual inspection, and they provide richer information about properties, structures and claim events.” |
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